Loads entrusted to M&BM Express Ltd. for transportation and delivery on the territory of Bulgaria

Precious objects, banknotes, coins, precious metals and precious stones, treasury bills, policies, shares, notarial deeds, postage stamps, documents, manuscripts, plans, securities and checks, vouchers, works of art, paintings, sculptures, etc. items of unique value; Goods that are subject to smuggling or illicit trade, as well as confiscation, requisition, nationalization or other similar measures ordered by the competent authorities; Dangerous goods: explosive, explosive, radioactive, highly toxic and other dangerous goods.

When transporting new goods: All risks of loss of or damage to the insured object, except for the exceptions provided for in the above point.

When transporting used goods: total loss due to fire, explosion, damage due to collision of the vehicle transporting the consignment with another object and overturning of the vehicle; Coverage extends from the time of shipment to the time of delivery to the final consignee, including loading and unloading operations.

Declared value of the contents of the consignment, which represents the value of the cargo at the place and during its loading.

Mandatory condition: When accepting shipments containing used goods as well as fragile products made of glass, crystal, plexiglass, plastic, porcelain, faience, ceramics, or when the packaging is marked with the sign 'Fragile', the Insurer must ascertain the condition of the goods beyond doubt at the time of acceptance. Used goods are accepted only after preliminary coordination with the Insurer, when their value is over:

- 1,000 BGN for appliances and furniture

- 300 BGN for all other used goods

Upon occurrence of an insurance event, the insured is obliged to prove the value of the damaged and / or lost property by submitting invoices, customs declarations, contracts for purchase and sale of personal property, etc. In case the same is not done, the insurer may refuse to pay insurance compensation.

Mobile devices, laptops and other equipment are insured at a declared value only in cases where the customer has a list of mobile phone identification numbers (imei) or factory numbers of laptops and equipment. In the event of an insurance event and the inability of the client to provide the requested information, the insurer will refuse to pay insurance compensation.

The packaging must take into account the weight, shape and nature of the contents of the consignments, as well as the mode of transport and its duration. The packaging and the means for closing the consignments must protect their contents in such a way that not only cannot they be damaged, but it must also be impossible to reach them without leaving a clear trace of damage to the integrity of the consignments or their contents may not be made available to third parties.

Suitable packaging is considered to be a package or box made of cardboard, chipboard or wood or of such material as to provide protection against impact, dynamic impact, vibration, pressure, and the usual risks that may arise during transport or loading and unloading. The inside of the package must contain insulation or filling such as: bubble wrap, foam elements and profiles, inner packaging elements, bulk insulation, insulating wool, polystyrene (styrofoam), etc. Insulation must be placed between the article and / or articles and the outer packaging. Improperly packaged consignments (according to the above points) are not subject to insurance only if the packaging meets the requirements according to the above points.

Tariff:

- Group I - 0.50% of the value of the shipment declared by the sender. Fragile goods: all articles of glass, crystal, plexiglass, plastic, porcelain, faience, ceramics or packaging are marked with the sign 'Fragile': BGN 1.50.

- Group II - 0.35% Machinery, Electronics, white and black appliances, medical and dental appliances, appliances, tools and parts to them, electrical household appliances and appliances, office equipment, various other appliances, appliances and tools such as: cinema -, photo -, radio and television apparatus,, scientific, optical, precision instruments and apparatus for counting, recording and counting - computers, telephones, monitors, keyboards, etc. similar; aero devices and equipment; A minimum premium per shipment of BGN 1.00 applies.

In case of an insured event, the recipient of the shipment/cargo is obliged to notify the insurer immediately, but not later than 24 hours after occurrence of the event and to determine the amount of damages. Damages in the expected amount of up to BGN 200 do not require the involvement of an emergency commissioner.

After preliminary coordination with the insurer upon submission of complete information regarding the type of the insured event and its estimated amount, it is possible for damages up to BGN 200 to be established through photographic material and protocols of findings upon acceptance of the cargo.