Casco (own-damage car insurance) — Hungary

[1] Own damage: Covered ↩

Covers any sudden external impact causing breakage or other damage to the insured vehicle; compensation is based on the vehicle's actual cash value (káridőponti érték) at the time of the claim, not a fixed sum insured, up to the current market value of a comparable used vehicle in Hungary.

A biztosított vagyontárgyakban bármilyen kívülről ható, hirtelen fellépő, a kárbejelentés szerinti eseménnyel műszakilag azonosítható, igazolt erőhatás által keletkezett törés, egyéb sérülés

[2] Total loss: Covered ↩

If repair cost reaches 70% or more of the vehicle's current value (or the vehicle's frame is unrepairable), the insurer pays the current value minus salvage value; the wreck remains the property of the insured and is not required to be surrendered.

A káridőponti érték alapján történő (c pont szerinti) teljes kár (totál kár) térítése csak akkor indokolt, ha a sérült jármű helyreállítása gazdaságtalan, azaz helyreállításának várható költsége eléri a káridőponti értékének a 70%-át.

[3] Partial loss: Covered ↩

If repair cost is below 70% of the vehicle's current value, the insurer covers repair costs up to authorized-service labor rates, or replacement value of non-repairable parts, minus the applicable deductible.

Ha a sérült alkatrész javítható, akkor a javítás költségeit, amennyiben nem javítható, akkor a csere költségeit téríti meg a Biztosító, a fentiekben meghatározott módon.

[4] Theft & robbery: Optional ↩

Sold as an additional (kiegészítő) cover, not part of the three mandatory base elements. Covers theft or robbery of the properly locked vehicle with active anti-theft devices, or theft of parts/accessories without theft of the whole vehicle. Compensation for external accessories theft is capped at HUF 250,000 per event; non-original electroacoustic equipment theft capped at HUF 150,000 per event; total theft is compensated at the vehicle's current value.

Ha a megfelelően lezárt, a Biztosító által előírt, a lopás időpontjában is működő vagyonvédelmi eszközzel ellátott gépjárművet ellopják, vagy jogtalan használat céljából ... elveszik.

[5] Glass damage: Covered ↩

One of the three mandatory base elements (törés, elemi/tűz, üveg). Covers breakage/cracking of the vehicle's window glass caused by a sudden external impact without other bodywork damage. Standard deductible is the policy's % deductible, minimum HUF 30,000 per claim on replacement; no deductible is applied if a non-OEM windscreen is used and the invoice does not exceed 65% of the OEM part/material cost. A separate optional add-on (2.14) removes the deductible entirely.

Csere esetén az önrészesedés az ajánlaton, illetve a kötvényen megjelölt önrészesedés %-os értéke, de káreseményenként minimum 30.000 Ft.

[6] Natural perils: Covered ↩

One of the three mandatory base elements. Covers lightning strike, earthquake, landslide, rockfall/ground collapse, natural cavity or underground structure collapse, storm, cloudburst, flood (except floodplain areas), other water inundation, hail, avalanche and snow pressure, as well as fire, self-ignition and explosion caused by electrical malfunction or external fire spread.

A biztosított járművet, alkatrészét, közvetlenül károsító villámcsapás, földrengés, földcsuszamlás, kő- és földomlás, természetes üreg, vagy talajszint alatti építmény beomlása, szélvihar, felhőszakadás, árvíz ... jégverés, lezúduló hótömeg és hónyomás

[7] Vandalism: Covered ↩

There is no separately named 'vandalism' peril, but the mandatory töréskár (collision/damage) element explicitly covers damage caused by unauthorized entry or attempted theft on a properly locked vehicle; damage from a lock forced during an attempted theft (without other bodywork damage) is compensated within the ordinary damage cover, and the lopáskár add-on expressly excludes theft-related vandalism/breakage since it is handled under this base element.

A Biztosító megtéríti a jogtalan behatolással vagy lopási kísérlettel okozot kárt a megfelelően lezárt gépjárműben, alkatrészeiben, vagy tartozékaiban.

[8] Roadside assistance: Optional ↩

Optional add-on with a 24/7 hotline (+36-1-249-0734). Per-event domestic (HUF) / foreign (EUR) limits: on-site repair HUF 20,000 / EUR 200; towing & storage HUF 50,000 / EUR 200; emergency onward transport by bus/train HUF 30,000 / EUR 200; hotel HUF 10,000 per night (max 3) / EUR 150 per night (max 3); replacement car HUF 14,500/day (max 3 days) / EUR 150/day (max 3 days); lock-out/key replacement HUF 20,000 / EUR 150. Territorial scope covers Hungary plus most of Europe including Turkey's European territory.

Helyszíni javító küldése 20.000,– 200,– Szállítás autómentővel, tárolás 50.000,– 200,– Kisegítő ellátás + továbbutaztatás szervezése busszal vagy vonattal* 30.000,– 200,–

[9] Replacement vehicle: HUF 100,000 ↩

Optional add-on. When a covered claim triggers the insurer's liability, a rental car of similar category may be used from the day after claim notification for the time optimally needed for repair, up to 7 days; maximum reimbursement per event is HUF 100,000 (Appendix 3.5); fuel and other incidental costs are excluded.

A kárbejelentést követő naptól a biztosított gépjárművel azonos árkategóriájú bérautót vehet igénybe a szakszerű javítás elvégzéséhez optimálisan szükséges időre, de maximum 7 nap, és maximum a Függelék 3.5 pontjában meghatározott összeghatárig.

[10] Driver accident: HUF 5,000 – HUF 1,500,000 ↩

Optional add-on covering the driver and all passengers. Fixed per-person benefits (Appendix 3.4): accidental death HUF 500,000; permanent total disability HUF 750,000 (graded by disability % per a fixed injury table); bone fracture or ≥28 days temporary incapacity HUF 5,000; hospitalization beyond 8 days due to accident HUF 10,000. All amounts may be increased up to double via endorsement, giving a maximum of HUF 1,500,000 for permanent total disability. No deductible applies to this benefit.

baleseti halál esetén 500.000,– Ft • állandó, teljes egészségkárosodás esetén 750.000,– Ft • csonttörés vagy csontrepedés, vagy orvosilag igazolt legalább 28 napig tartó múlékony munkaképtelenség esetén 5.000,– Ft • baleset miatti 8 napon túli kórházi ápolás esetén 10.000,– Ft

[11] Own damage: Conditional ↩

Covers accidental damage to the insured vehicle, its parts or accessories caused by a sudden external force (collision); for electric vehicles this extends to the battery, charging cable, wall box and adapter. Only available in the Max package, representing full comprehensive ("teljeskörű") casco cover; payout is based on the vehicle's actual cash value at the time of loss (Eurotax catalogue value, capped at 115% of catalogue value) rather than a fixed sum insured.

Akkor fizetünk, ha a jármű, annak alkatrésze vagy tartozéka balesetszerűen megsérül, tehát ha hirtelen fellépő, kívülről ható erő miatt keletkezik kár a járműben.

[12] Total loss: 30% of insured sum ↩

General total-loss settlement (triggered by any casco peril) pays the vehicle's actual cash value at the time of loss minus salvage value once repair costs exceed 80% of that value. In addition, the Max package includes a 'purchase price insurance' (vételár biztosítás) that, for new personal cars stolen or totalled within 12 months of first registration, tops up the payout to the difference between the original new price and the loss-date value, capped at 30% of the new price and a maximum of HUF 6,000,000.

Ha a járművet az első forgalomba helyezésétől számított egy éven belül ellopják, vagy totálkáros lesz, megfizetjük jármű vásárláskor fennálló újkori és kárkori értékének különbözetét, de legfeljebb a jármű vásárláskor fennálló újkori értékének 30%-át, és legfeljebb 6 000 000 forintot.

[13] Partial loss: Conditional ↩

If the insured vehicle is repairable (repair cost does not exceed 80% of its actual cash value), the insurer reimburses the material and labour cost of repair based on manufacturer parts prices and the standard local hourly labour rate, reduced by any applicable betterment deduction for new parts and the deductible. Available only in the Max package (Töréskár/collision peril).

Akkor fizetünk, ha balesetszerűen megsérül a járműve.

[14] Theft & robbery: Conditional ↩

Covers theft, robbery or attempted theft of the insured vehicle or its parts/accessories (including, for EVs, the battery unit, charging cable, wall box and adapter), provided the vehicle was locked and equipped with active anti-theft devices. Available in the Extra and Max packages; not included in Plusz or Komfort.

Akkor fizetünk, ha ellopják a járművét, vagy annak tartozékát, vagy... Lezártnak tekintjük a járművet, ha... a szerződéskötéskor bemutatott és az utólag bejelentett vagyonvédelmi berendezések ... üzemképesek voltak, és be voltak kapcsolva az eset idején.

[15] Glass damage: Conditional ↩

Covers cracking or breaking of the windscreen or other glass surfaces of the vehicle caused by a sudden external force. Available in the Extra and Max packages (in Max, if other parts are also damaged the claim is instead handled under the collision/Töréskár peril). Subject to a base deductible of HUF 75,000, reduced to HUF 20,000 (or 10%, minimum HUF 20,000, if a percentage deductible was also chosen) when technologically justified repair uses ≤60% of the factory material requirement.

Akkor fizetünk, ha elreped vagy betörik a szélvédő, vagy járműve más üvegfelülete.

[16] Natural perils: Conditional ↩

Covers damage to the vehicle from natural forces: lightning strike, earthquake (EMS scale V+), landslide/rockfall/collapse of natural or underground cavities, windstorm/cloudburst of at least 15 m/s, flood/inland water/other water inundation, hail and falling snow, and overvoltage reaching an EV through the charging cable during normal charging. Available in the Plusz, Extra and Max packages.

Akkor fizetünk, ha a következő természeti csapások bármelyike károsítja járművét, annak alkatrészét vagy tartozékát: villámcsapás... földrengés... földcsuszamlás... legalább 15 m/s sebességű szélvihar, felhőszakadás... árvíz, belvíz, egyéb vízelöntés... jégverés, lezúduló hótömeg és hónyomás.

[17] Vandalism: Conditional ↩

Covers intentional damage caused to the insured vehicle, its parts or accessories by a third party (idegen), provided a police report was filed. Available in the Extra and Max packages; not covered in Plusz or Komfort.

Akkor fizetünk, ha egy idegen szándékosan kárt okoz a járműben, annak alkatrészeiben vagy tartozékaiban.

[18] Roadside assistance: Covered ↩

Basic assistance (on-site repair attempt up to 1 hour, towing to nearest brand/authorised workshop, passenger transport up to 50 km, and 24/7 information service) is included in all four packages (Komfort, Plusz, Extra, Max). An extended ('bővített') assistance level, included in Plusz, Extra and Max, adds a replacement vehicle, accommodation or repatriation, tyre change, fuel delivery, transport up to 100 km, vehicle-recovery organisation and other services. Accommodation is capped at HUF 30,000/person/night for up to 3 nights, and vehicle-wreck removal at HUF 50,000.

Ha balesetet szenved vagy meghibásodik a járműve, megpróbáljuk a helyszínen megjavítani. Ha ez nem sikerül, akkor elvontatjuk a járművét... és elszállítjuk az utasokat.

[19] Replacement vehicle: Conditional ↩

Provided as part of the extended assistance level: a vehicle one category below the insured car (max lower-mid-size) is arranged, with rental cost paid directly to the rental company by Allianz. Duration depends on the cause: 4 days (up to twice a year) for breakdown/fuel or key problems, 6 days for theft, vandalism or vehicle damage/destruction. Available in the Plusz, Extra and Max packages only (not Komfort, and not with the basic assistance level).

Cseregépjármű, elszállásolás és hazautaztatás szolgáltatást akkor nyújtunk, ha... Az Ön járművéhez képest eggyel alacsonyabb kategóriájú, de legfeljebb alsó-középkategóriás cserejárművet biztosítunk.

[20] Driver accident: HUF 500,000 – HUF 2,000,000 ↩

Pays out if the driver, passengers or accompanying persons die or suffer permanent health damage (>30%) in a traffic accident involving the insured vehicle, anywhere in the world. The 'alap' (basic) level, included in all four packages (Komfort, Plusz, Extra, Max), pays HUF 500,000 for death and up to HUF 1,000,000 for 100% permanent health damage (proportional for 31-99%). The 'bővített' (extended) level, included in Plusz, Extra and Max, doubles these amounts to HUF 1,000,000 for death and up to HUF 2,000,000 for 100% permanent health damage.

Alap közlekedési baleset fedezet 500 000 Ft ... 1 000 000 forintnak az egészségkárosodás mértékével arányos része ... 1 000 000 Ft

[21] Own damage: Conditional ↩

Covers sudden external mechanical impact damage (töréskár) including damage caused by people, animals, vehicle malfunction, and vandalism by third parties. Only included under the Optimál (and Optimál Prémium/Extra) módozat; the Special módozat does not cover töréskár.

[22] Total loss: Covered ↩

Total loss occurs when the vehicle is destroyed, stolen/robbed and unrecovered, or suffers economic/technical total loss. For new vehicles within 3 months of first registration the invoice purchase value is paid; otherwise the market value at loss date (capped at purchase invoice value), less deductible and salvage value. Included under both Optimál and Special módozat.

[23] Partial loss: Conditional ↩

Reimburses actual repair costs from a covered event, capped by the Audatex calculation at the loss date, less depreciation. Full peril-driven partial-loss cover (including töréskár and üvegkár) is only available under Optimál (Prémium/Extra); Special covers partial damage only arising from elemi kár, lopás or rablás.

[24] Theft & robbery: Covered ↩

Covers unauthorized taking or theft of the vehicle (provided all security devices were operating correctly) and robbery (taking by force or threat). Included in both Optimál and Special módozat.

[25] Glass damage: Conditional ↩

Covers damage exclusively to the vehicle's window glass (including glass roof panels) from sudden mechanical impact or third-party vandalism. Replacement cost is paid unless repairable without replacement; a deductible applies only if replacement cost reaches/exceeds 65% of the Audatex value. Only available under Optimál (Prémium/Extra) - under Special, standalone glass breakage is explicitly not an insured event.

[26] Natural perils: Covered ↩

Covers fire (incl. uncontrolled vegetation fire), explosion, direct lightning, landslide, rockfall/soil collapse, collapse of natural cavities/underground structures, wind/sandstorm ≥15 m/s, cloudburst or hail, flood, inland inundation, snow avalanche/snow load, and earthquake reaching MSK-64 grade 5, plus damage from objects falling/striking the vehicle due to these forces. Included in both Optimál and Special módozat.

[27] Vandalism: Conditional ↩

Damage caused by a third person or animal (rongálás) is covered within the töréskár definition, and vandalism to the vehicle's glass is covered under üvegkár. As both perils belong to the Optimál peril set, vandalism cover is only available under Optimál (Prémium/Extra).

[28] Roadside assistance: HUF 100,000 ↩

The base policy reimburses, without deductible, up to HUF 100,000 total for vehicle recovery, storage pending repair, and transport of an immobilised vehicle to the nearest suitable workshop. If the event occurs abroad, up to HUF 300,000 is paid for transport/storage back to Hungary and up to HUF 100,000 for passengers' return travel. The optional MHDKF2 rider extends cover to mechanical breakdown/tyre defects (towing up to 300 km domestically or HUF 300,000 abroad; on-site repair up to HUF 30,000).

[29] Replacement vehicle: Optional ↩

Not included in the base cover (rental-vehicle costs during repair are explicitly excluded). Available as the optional Kölcsöngépjármű kiegészítő szolgáltatás (KGSZKF4) rider, reimbursing invoiced rental of a same-category vehicle for total-loss and/or partial-loss events, without deductible, up to the policy sum insured.

[30] Driver accident: Optional ↩

Not part of the base cover. Available as the optional Járműben ülők balesetbiztosítása (JBF4) rider, providing a per-authorised-seat sum insured for accidental death and for permanent health impairment reaching at least 30%, prorated if more occupants are present than approved seats.

[31] Own damage: Covered ↩

Covers accidental, sudden external mechanical damage to the vehicle, including damage caused by third persons or animals; indemnity is based on the market value at the time of loss (káridőponti forgalmi érték), capped at the original purchase price.

[32] Total loss: Covered ↩

Total loss applies when the vehicle is destroyed, stolen or robbed and not recovered by settlement, or repair is uneconomical (repair cost exceeds 60% of the pre-loss market value) or technically unjustified; settlement is based on market value at time of loss, capped at the original purchase price, less salvage value.

[33] Partial loss: Covered ↩

Reimburses repair costs at market-standard parts and labour rates (based on Audatex calculation) when the loss does not qualify as total loss; wear-and-tear deductions apply to certain parts once the vehicle is older than 6 years from first registration.

[34] Theft & robbery: Covered ↩

Covers theft of the whole vehicle, theft of parts/accessories from a properly locked vehicle, and robbery, provided all locking and anti-theft devices were properly engaged; non-factory alloy wheels and audio equipment are covered only up to HUF 100,000 (new value) per item type if declared in the proposal.

[35] Glass damage: Covered ↩

Covers sudden mechanical damage to windows and glass roof panels caused externally or by vandalism; a deductible applies only when the glass must be replaced (not when it is merely repaired), and using an aftermarket windscreen priced at up to 60% of the manufacturer-recommended price preserves the bonus-malus class.

[36] Natural perils: Covered ↩

Covers fire, explosion, lightning, landslide, rockfall, collapse of underground structures, windstorm of at least 15 m/s, cloudburst, hail, flood, inland inundation, snow-slide, snow-load, and earthquake of at least MSK-64 grade 5, including damage from objects falling onto or striking the vehicle as a result of these forces.

[37] Vandalism: Covered ↩

Damage deliberately caused to the vehicle by a third person or an animal is covered as part of the töréskár (collision/impact damage) insured event.

[38] Roadside assistance: Optional ↩

Optional add-on providing 24/7 breakdown information service, a guaranteed 1-hour roadside repair/tow dispatch (or a HUF 10,000 fuel voucher if missed), vehicle towing to the nearest workshop, vehicle storage, and return-home/onward travel. Domestic sub-limits: up to HUF 20,000 for on-site repair, HUF 20,000 for towing, and HUF 140,000 (of which max HUF 10,000 taxi) for return travel; abroad the equivalents are EUR 70, EUR 100 and EUR 500 (max EUR 35 taxi).

Alapszolgáltatás Belföldön Külföldön Autós segélyvonal információ információ 1. helyszíni javítás vagy max. 20 000 Ft max. 70 € 2. szállítás autómentővel max. 20 000 Ft max. 100 € 3. lakóhelyre utazás vagy úti célhoz utazás vonat II.o/autóbusz/taxi összesen max. 140 000Ft max. 500 € ezen belül taxi max. max. 10 000 Ft max. 35 €

[39] Replacement vehicle: Optional ↩

Optional add-on reimbursing the invoiced rental cost of a same-category replacement vehicle: from the day of theft report or from total-loss determination (at the latest from day 30 after the first inspection) until settlement, or for the optimal repair period in partial-loss cases, up to the policy's insured sum; fuel and other running costs are excluded.

[40] Driver accident: Optional ↩

Optional accident cover, available only as a casco rider, for the driver and passengers of the insured vehicle; pays the policy sum shown on the certificate in case of accidental death within one year of the accident, and a percentage of the sum (per a fixed injury schedule) for permanent health impairment reaching at least 30%.

[41] Own damage: Conditional ↩

A sudden, external force causing permanent deformation or damage to the insured vehicle in an accident, and damage caused to the vehicle by an unknown third person or an animal, are insured events. The Komfort and Prémium packages pay for repair of this damage; under Bázis Casco this peril is covered only to the extent it results in total loss.

[42] Total loss: 100% of insured sum ↩

If repair cost exceeds 70% of the vehicle's value at the time of loss, or the stolen/robbed vehicle is not recovered within 60 days of the police report, the insurer pays the vehicle's replacement cost: the Hungarian market value at the time of loss, capped at the used-vehicle value under the Hungarian vehicle valuation system. For a vehicle purchased new and damaged within 90 days of its first registration, the original new purchase price is used instead. Salvage (wreck) value and any unpaid annual premium are deducted from the payout. Included in all three packages (Bázis, Komfort, Prémium).

[43] Partial loss: Conditional ↩

Covers physical damage that does not amount to total loss and can be economically repaired. The insurer pays the brand-typical average repair cost using new parts, with wear-based value deductions applied to the exhaust system, battery, running-gear/wear parts and tyres; if the vehicle is over 8 years old, value deductions also apply to all other repaired elements. Available only under Komfort and Prémium Casco; Bázis Casco does not cover partial damage.

[44] Theft & robbery: 100% of insured sum ↩

Covers theft or robbery of the vehicle or its parts/accessories and damage caused during a theft/robbery attempt. If the vehicle is not recovered within 60 days of the police report it is treated as total loss and the replacement cost is paid. The insurer is exempt if the vehicle was not properly locked, its anti-theft system was not engaged, the keys were not safeguarded, or the vehicle was embezzled after being lent/rented out. Included in all three packages.

[45] Glass damage: Conditional ↩

Glass damage falls under the töréskár peril (paid under the Komfort/Prémium repair service, or as total loss under Bázis if the total-loss threshold is reached). No deductible is charged if the glass is repaired without replacement. The standard contractual deductible applies if replacement cost is below 65% of the required parts/materials cost; a 20% deductible applies if replacement cost reaches or exceeds 65%. Sunroofs, glass roofs and panoramic roofs are not treated as 'ablaküveg'.

[46] Natural perils: 100% of insured sum ↩

Covers fire, lightning, explosion, earthquake of at least Mercalli-Sieberg grade 5, landslide, rock/earth collapse, storm, cloudburst, flood, inland inundation, pipe-burst water damage, hail, and snow-load/avalanche damage. Listed as a covered event in all three packages, but Bázis Casco only pays out if the event results in total loss, while Komfort and Prémium also pay for repairable (partial) natural-hazard damage.

[47] Vandalism: Conditional ↩

Damage to the vehicle caused by an unknown third person or by an animal (e.g. rodent damage, game/animal collision damage) is included within the töréskár peril definition, not as a separately named cover. It is repaired under the Komfort/Prémium service, or paid as total loss under Bázis if the total-loss threshold is reached.

[48] Roadside assistance: HUF 85,000 ↩

24/7 assistance (via Europ Assistance Magyarország), covering on-site repair, towing to a workshop, vehicle storage, return travel home or continued travel to destination, a rental vehicle, and overnight accommodation if the vehicle cannot be made roadworthy within 24 hours of the event. Automatically included in Prémium Casco; a Komfort Casco policyholder may add it as one of at most two paid extra services. Combined limit HUF 85,000 per insurance period across all assistance services; no deductible applies. Not available under Bázis Casco.

[49] Replacement vehicle: Conditional ↩

If the vehicle cannot be made roadworthy within 24 hours of the insured event, a self-drive rental car can be arranged as part of the Prémium Casco assistance service. Its cost is paid from the shared HUF 85,000/period assistance limit, not as a separate sum insured. Damage to, theft of, or late return of the rental car, and its running/toll costs, are excluded.

[50] Driver accident: HUF 4,000,000 ↩

If an insured person dies within 3 months of an accident connected to an insured casco event, a fixed HUF 2,000,000 is paid to the heirs. For permanent disability of 50% or more, a proportional share of a HUF 4,000,000 sum is paid (e.g. 80% disability = HUF 3,200,000); no benefit is paid below 50% disability. Benefits are per insured person and pro-rated if the vehicle carried more occupants than permitted. Included in Prémium Casco; a Komfort Casco policyholder may add it as one of at most two paid extra services; no deductible applies. Not available under Bázis Casco.

[51] Own damage: Covered ↩

The insurer's maximum liability equals the sum insured, which is determined by the vehicle's brand-new gross value; there is no fixed policy-wide limit as it is vehicle-specific and adjusts automatically after a claim without extra premium.

[52] Total loss: Covered ↩

A vehicle is classified as a total loss if the repair cost reaches or exceeds 80% of its domestic market value at the time of loss, or if the entire vehicle is stolen; settlement is based on the Autovista domestic market value minus salvage value. Within one year of first registration, the first owner is reimbursed up to the original purchase price shown on the invoice (capped at the Autovista new value).

[53] Partial loss: Covered ↩

Repairable damage is settled at the domestic average repair cost, typically calculated with the Audatex (or Autovista/DAT) system for cars and vans up to 3,500 kg; betterment is deducted only for exhaust system parts, batteries and tyres, and on full repainting.

[54] Theft & robbery: Optional ↩

Theft (including robbery and unauthorised use, plus theft of parts/accessories and attempted-theft vandalism damage) is a separately selectable event alongside the base collision and elemental damage cover; requires the vehicle to be properly locked at the time of the event. Not covered if selected only as collision+elemental damage.

[55] Glass damage: Covered ↩

Breakage of the vehicle's windscreen, side or rear windows falls under the base collision cover; replacement is only paid if the broken glass cannot legally be repaired. If damage is limited exclusively to glass (self-contained glass claim), only the chosen percentage deductible (not the minimum forint amount) is deducted, except for buses.

[56] Natural perils: Covered ↩

Base cover for fire, explosion, lightning, windstorm of at least 54 km/h, earthquake of at least EMS-5, landslide, rockfall/collapse of natural or artificial cavities, cloudburst, flood, inland inundation, hail and snow-load damage; no deductible is applied to elemental-damage claims.

[57] Vandalism: Covered ↩

The definition of collision damage explicitly includes intentional damage caused by a third party (vandalism) as well as damage caused by rodents or predators (e.g. wires gnawed by mice or martens) in the engine or passenger compartment.

[58] Roadside assistance: HUF 800,000 ↩

As part of the base cover, the insurer reimburses verified and justified costs of rescuing, transporting and storing the damaged vehicle after a Hungarian claim event (and up to a pre-agreed amount abroad), capped at HUF 800,000 per claim, without any deductible. The optional K&H cascoszerviz 24 rider adds a 24/7 organised roadside-assistance service (towing, temporary storage up to 3 days, interpreting, return/onward travel) on top of this base cover.

[59] Replacement vehicle: Excluded ↩

The K&H cascoszerviz 24 assistance service can only organise a rental car ('bérautó szervezés') on a cost-reimbursement basis, i.e. the full cost is borne by the policyholder; the T&C do not provide any insured benefit for a replacement/courtesy vehicle.

[60] Driver accident: HUF 7,000 – HUF 3,500,000 ↩

Optional K&H balesetbiztosítás add-on for the driver and occupants of the insured vehicle: HUF 700,000 for accidental death, HUF 1,400,000 for 100% permanent disability (proportionally reduced for lower disability grades, minimum HUF 7,000 for 1-10%), and HUF 7,000 for temporary injury — each amount can be multiplied by the policyholder up to 2.5x.

[61] Own damage: Covered ↩

Covers physical damage to the insured vehicle caused by any sudden external impact (breakage); the indemnity is based on the repair cost or the vehicle's market value (Eurotax/DAT) at the time of loss, not a fixed sum insured.

[62] Total loss: Covered ↩

Applies when repair is not economical or technically possible, or the vehicle is stolen/robbed and not recovered; indemnity equals the market value at the time of loss (Eurotax/DAT) minus the wreck value. New vehicles registered within the last 90 days are compensated at the invoice purchase price instead.

[63] Partial loss: Covered ↩

Reimburses repair costs for repairable physical damage at a domestic repair shop; original/new dealer-network parts reimbursed at full retail price, aftermarket/used parts at 50% of the new part price, plus paint materials and labour per standard calculation systems.

[64] Theft & robbery: Covered ↩

Covers theft or robbery of the locked vehicle or its parts/accessories and related physical damage; if the vehicle is not recovered, total-loss rules apply based on market value.

[65] Glass damage: Covered ↩

Covers breakage of the front/rear windscreen and door/window glass caused by sudden external impact; repair without replacement carries no deductible, while replacement always carries a 10% deductible.

[66] Natural perils: Covered ↩

Covers lightning, earthquake rated at least 5 on the Mercalli-Sieberg scale, landslide, rock/soil collapse, windstorm of at least 15 m/s, cloudburst, flood, inland inundation, hail, and falling snow mass/avalanche, plus fire and explosion damage.

[67] Vandalism: Covered ↩

Malicious damage caused by a sudden external act is covered under the general breakage (töréskár) peril; damage limited to advertisements or stickers on the bodywork is explicitly excluded.

[68] Roadside assistance: HUF 200,000 ↩

Not an active 24/7 roadside-assistance service; the insurer reimburses reasonable one-off transport, storage and guarding costs incurred after an insured event, up to HUF 200,000, subject to the applicable deductible.

[69] Replacement vehicle: Excluded ↩

Explicitly excluded: costs arising from loss of use of the vehicle or from obtaining a replacement vehicle (e.g. lost profit, rental car, costs of acquiring a new vehicle) are not covered.

[70] Driver accident: HUF 1,000,000 – HUF 3,000,000 ↩

Optional supplementary accident insurance for the driver and passengers, payable on accidental death, permanent disability or hospitalisation; the sum insured is selectable in 1–3 units (HUF 1,000,000–3,000,000 for death/disability; HUF 1,000–3,000 daily hospital benefit). It cannot exist independently and terminates automatically if the Casco contract ends.

[71] Own damage: Covered ↩

Casco is a voluntary property insurance covering restoration or replacement costs of the insured (own) vehicle; the insurer bears the larger part of the loss and the policyholder bears the deductible.

A CASCO egy vagyon típusú, önként választható biztosítás. A biztosított (saját) gépjármű helyreállítási vagy pótlási költségeire nyújt fedezetet. A kár jelentősebb részét a biztosító, a kisebb részét – az önrészesedést – a szerződő viseli.

[72] Total loss: Covered ↩

The insurer pays the replacement cost of the vehicle (its Hungarian market value immediately before the loss, capped at the Eurotax/DAT or equivalent database value) when repair cost exceeds the value threshold, or when the vehicle is stolen and not recovered within 60 days of the police report.

a jármű a biztosítási esemény következtében olyan mértékben károsodik, hogy a jármű helyreállítási költsége meghaladja a jármű káridőponti értékének és maradvány (roncs) értékének különbözetét, de minden esetben, ha a kár időpontjában 10 évnél nem idősebb jármű helyreállítási költsége meghaladja a káridőponti érték 80%-át

[73] Partial loss: Covered ↩

Invoiced, professionally performed repair costs at a Hungarian garage are reimbursed at average Hungarian market labour rates and manufacturer retail part prices, capped at Audatex/Eurotax/DAT calculation values; repair is deemed uneconomical (leading to total-loss settlement) once cost exceeds 80% (vehicles up to 10 years old) or 70% (older vehicles) of the vehicle's value.

A helyreállítás indokolt és számlával igazolt költségei alapján a Biztosító megfizeti a magyarországi átlagos árszínvonalnak, a műhely jellegének és felszereltségének megfelelő munkadíjáraknak, illetve a magyarországi márkaképviselet által ajánlott kiskereskedelmi alkatrészáraknak megfelelő költségeket

[74] Theft & robbery: Covered ↩

Theft, robbery or unauthorised taking of the properly locked vehicle, and theft of its parts/accessories (partial theft), are core insured events; cover is subject to the vehicle's anti-theft/security devices being used as intended and functioning at the time of the event.

A megfelelően lezárt jármű ellopása, önkényes elvétele, elrablása, valamint e cselekményekkel kapcsolatban keletkezett sérülése (kivéve az üvegezés sérülését). Nem minősül lopáskárnak a sikkasztás.

[75] Glass damage: Covered ↩

Damage to the front/rear windscreen and side windows caused by external, sudden force or vandalism (without other bodywork damage) is covered; genuine parts fitted via an authorised Hungarian dealer are reimbursed at 100% of retail price, aftermarket parts at 60%; no deductible applies if the glass is repaired without replacement, or replaced with aftermarket glass costing at most 50% of the genuine part price.

8.1.1. A Biztosító nem von le önrészesedést a szolgáltatás összegéből, 8.1.1.1. ha a jármű ablaküvegeiben keletkezett sérülést az üveg cseréje nélkül, javítással állítják helyre. 8.1.1.2. ha az ablaküveg cseréje indokolt, és az olyan utángyártott üveggel történik, melynek ára nem haladja meg a gyári alkatrész vezérképviseleti árának 50%-át.

[76] Natural perils: Covered ↩

Covers damage caused by fire, primary effect of lightning strike, explosion, landslide, rockfall, earthquake of at least MSK-64 grade 5, collapse of natural cavities or underground structures, windstorm of at least 15 m/s, cloudburst, flood, inland inundation, other water inundation, hail, and falling snow load/snow pressure.

A biztosított járműben és annak tartozékaiban, alkatrészeiben tűz, villámcsapás elsődleges hatása, robbanás, földcsuszamlás, kő- és földomlás, az MSK-64 skála 5. fokozatát elérő földrengés, ... legalább 15 m/sec erősségű szélvihar, felhőszakadás, árvíz, belvíz, egyéb vízelöntés, jégverés, lezúduló hótömeg, hónyomás által keletkezett kár.

[77] Vandalism: Covered ↩

Damage caused by malicious acts of third parties (vandalism) that is technically identifiable with the reported event is covered as part of the 'töréskár' (breakage/collision) insured event.

A biztosított járműben, annak tartozékaiban, alkatrészeiben bármilyen kívülről ható, hirtelen fellépő, baleseti jellegű erőhatás vagy harmadik személy által elkövetett rongálás miatt keletkezett sérülés, amely a kárbejelentés szerinti eseménnyel műszakilag azonosítható.

[78] Roadside assistance: Optional ↩

An optional add-on (selectable against extra premium) providing information services, on-site roadside repair, towing to the nearest garage (up to 150 km paid in full, excess distance not covered), vehicle storage, and travel/return-journey organisation, reachable day and night in Hungary and abroad via a dedicated phone line.

Jelen kiegészítő biztosítás alapján a Biztosító – megbízott partnere közreműködésével – segítségnyújtási szolgáltatásokat nyújt.

[79] Replacement vehicle: 3 days ↩

Under the optional Assistance rider, a lower-mid-category 5-seat rental car (unlimited km) is organised for up to 3 days while the insured vehicle is being repaired or recovered; this benefit is NOT available for events occurring within Hungary.

Magyarország területén bekövetkezett biztosítási esemény esetén, nem választható ez a szolgáltatás! A Biztosító megszervezi a Biztosított személyek részére egy alsó középkategóriás, 5 személyes bérautó igénybevételét...

[80] Driver accident: Optional ↩

An optional add-on paying a policyholder-selected lump sum on the accidental death of the driver or a passenger of the insured vehicle, or twice that sum for 100% permanent disability (proportionally for disability between 50-100%; no benefit below 50%).

Szolgáltatás a Biztosított halála esetén a Szerződő választása szerint az ajánlaton kerül rögzítésre (haláleseti biztosítási összeg). Szolgáltatás a Biztosított maradandó, 100%-os egészségkárosodása esetén a Szerződő által az ajánlaton választott haláleseti biztosítási összeg kétszerese.

[81] Own damage: Covered ↩

Covers sudden, accidental damage to the insured vehicle caused by an external force (töréskár). There is no fixed sum insured; indemnity is based on repair cost or, for total loss, the vehicle's market value at the time of loss determined via an internationally recognised valuation catalogue.

[82] Total loss: Covered ↩

A vehicle is treated as a total loss if repair is uneconomical (repair cost exceeds 70% of the pre-loss market value) or technically unjustified, or if the vehicle is stolen/robbed and not recovered before the claim is settled. The insurer pays the difference between the market value at the time of loss and the wreck (salvage) value.

[83] Partial loss: Covered ↩

If the vehicle is repairable, the insurer reimburses the repair cost based on an invoiced repair with new parts at an authorised brand workshop, or on an Audatex-based calculation, less the applicable deductible.

[84] Theft & robbery: Covered ↩

Covers theft of the whole vehicle, part-theft of insured accessories, and robbery, provided the vehicle was properly locked and the alarm/immobiliser was operational and activated. Robbery is covered only within Hungary; theft is covered within the general territorial scope.

[85] Glass damage: Covered ↩

Glass damage is not a separately named insured event but is settled as part of töréskár: if windscreen repair is possible, the insurer covers the full repair cost with no deductible; if replacement is necessary, the insurer reimburses the replacement cost less a 10% deductible.

[86] Natural perils: Covered ↩

Covers damage caused by lightning, explosion, landslide, rockfall, collapse of natural cavities or underground structures, windstorm of at least 19 m/s, cloudburst, earthquake, flood, inland inundation, hail, falling snow mass and snow pressure, as well as fire/explosion from electrical faults or external fire spreading to the vehicle.

[87] Vandalism: Conditional ↩

Vandalism is not listed as a separately named insured event. Damage from a sudden external force (e.g. deliberate scratching or denting by a third party) may be covered as töréskár, and damage during an attempted break-in/theft is covered as part-theft, but there is no standalone 'vandalism' peril in the conditions.

[88] Roadside assistance: HUF 300,000 ↩

The insurer reimburses the necessary one-off cost of towing the damaged vehicle to the nearest suitable workshop, or of temporary repair, up to a limit of HUF 300,000 per claim (Hungary or abroad). The töréskár deductible is deducted from this reimbursement.

[89] Replacement vehicle: Excluded ↩

The insurer's service explicitly does not extend to any cost of a substitute vehicle (temporary or permanent) for the damaged, stolen or robbed insured vehicle.

[90] Driver accident: Excluded ↩

PostaCasco is a property (vagyon) insurance for the vehicle and its accessories/personal items; it does not include personal accident cover for the driver or passengers.

[91] Own damage: Covered ↩

Covers physical damage to the insured vehicle, its parts and accessories caused by any external, sudden, accident-like force or third-party vandalism, technically identifiable with the reported event; repair costs are reimbursed based on invoiced repairs at Hungarian workshops, capped at Audatex/Eurotax/DAT calculated prices.

A biztosított járműben, annak tartozékaiban, alkatrészeiben bármilyen kívülről ható, hirtelen fellépő, baleseti jellegű erőhatás vagy harmadik személy által elkövetett rongálás miatt keletkezett sérülés, amely a kárbejelentés szerinti eseménnyel műszakilag azonosítható.

[92] Total loss: Covered ↩

Paid when repair cost exceeds the vehicle's current market value minus wreck value, and automatically when repair cost exceeds 80% of the current value for vehicles up to 10 years old or 70% for vehicles over 10 years old; also applies if a stolen/robbed vehicle is not recovered within 60 days of the police report. Payout is capped at the Eurotax/DAT market value immediately before the loss.

de minden esetben, ha a kár időpontjában 10 évnél nem idősebb jármű helyreállítási költsége meghaladja a káridőponti érték 80%-át, illetve a kár időpontjában 10 évesnél idősebb járművek esetén a káridőponti érték 70%-át.

[93] Partial loss: Covered ↩

Repairable collision, vandalism, or elemental damage is reimbursed on an invoiced-repair basis at Hungarian workshops; for the first 8 years from first registration no depreciation is deducted from repair costs (avultatásmentes térítés).

A Biztosító a helyreállítás költségeiből az első forgalomba helyezéstől számított 8 évig nem von le értékemelkedést (avultatásmentes térítés), a beépített új alkatrészek értéknövelő hatását figyelmen kívül hagyja.

[94] Theft & robbery: Covered ↩

Covers theft, unauthorised taking or robbery of the whole vehicle (properly locked) and part-theft (részlopás) of components/accessories, including resulting physical damage; requires a police report; vehicle treated as total loss if not recovered within 60 days.

A megfelelően lezárt jármű ellopása, önkényes elvétele, elrablása, valamint e cselekményekkel kapcsolatban keletkezett sérülése (kivéve az üvegezés sérülését).

[95] Glass damage: Covered ↩

Covers breakage or other damage to the front/rear windscreen and side windows caused by external force or vandalism, even without other bodywork damage. The insurer pays 100% of the genuine part retail price via an official dealer, or up to 60% of the genuine part price if aftermarket glass is used; no deductible applies when glass is repaired without replacement, or replaced with aftermarket glass costing up to 50% of the genuine part price.

A jármű ablaküvegek, illetve azok tartozékainak cseréje esetén a gyári alkatrész márkaképviseleti kiskereskedelmi árának 100%-át a Biztosító csak számla alapján és csak abban az esetben téríti meg az önrész levonása mellett, ha azok beszerzése igazoltan az adott járműtípusnak megfelelő hivatalos magyarországi márkaképviseleten keresztül történt.

[96] Natural perils: Covered ↩

Covers fire, primary lightning effect, explosion, landslide, rockfall, earthquake reaching MSK-64 grade 5, collapse of natural cavities or underground structures, windstorm of at least 15 m/sec, cloudburst, flood, inland inundation, other water inundation, hail, falling snow mass and snow load damage.

tűz, villámcsapás elsődleges hatása, robbanás, földcsuszamlás, kő- és földomlás, az MSK-64 skála 5. fokozatát elérő földrengés, természetes üreg vagy talajszint alatti építmény beomlása, legalább 15 m/sec erősségű szélvihar, felhőszakadás, árvíz, belvíz, egyéb vízelöntés, jégverés, lezúduló hótömeg, hónyomás által keletkezett kár.

[97] Vandalism: Covered ↩

Malicious damage caused by a third party is covered as part of the 'töréskár' (collision damage) peril definition, alongside external accidental force damage.

A biztosított járműben, annak tartozékaiban, alkatrészeiben bármilyen kívülről ható, hirtelen fellépő, baleseti jellegű erőhatás vagy harmadik személy által elkövetett rongálás miatt keletkezett sérülés

[98] Roadside assistance: Optional ↩

Optional add-on providing a 24/7 domestic and international helpline for on-site repair, towing to the nearest workshop (transport cost covered up to 150 km), guarded storage until workshop opening, organisation of travel to collect or transport home a repaired/recovered vehicle, and traveller services (continued/return travel, temporary accommodation up to 2 nights abroad or 1 night in Hungary, or a rental car for events abroad only, limited to 3 days).

Jelen kiegészítő biztosítás alapján a Biztosító – megbízott partnere közreműködésével – segítségnyújtási szolgáltatásokat nyújt.

[99] Replacement vehicle: Optional ↩

Available only as part of the optional Assistance rider and only for insured events occurring outside Hungary; the insurer organises a lower-mid category, 5-seat rental car for up to 3 days until the vehicle is repaired or recovered; this service cannot be chosen for events within Hungary.

Magyarország területén bekövetkezett biztosítási esemény esetén, nem választható ez a szolgáltatás! A Biztosító megszervezi a Biztosított személyek részére egy alsó középkategóriás, 5 személyes bérautó igénybevételét

[100] Driver accident: Optional ↩

Optional rider paying a lump sum (chosen by the policyholder at inception) for accidental death within 3 months of the accident, double that sum for 100% permanent disability, and a proportional amount for permanent disability between 50-100%; no benefit is paid below 50% disability. Covers the driver and passenger(s) of the insured vehicle.

A Biztosító, a biztosítási díj megfizetése ellenében – a jelen kiegészítő feltételekben meghatározott esetekben és mértékben – a Biztosított személy baleseti eredetű elhalálozása, valamint baleseti eredetű maradandó egészségkárosodása esetén a szerződésben meghatározott összeget fizeti ki.

[101] Own damage: 100% of insured sum ↩

The insurer reimburses the invoiced repair cost of collision damage, using original manufacturer repair technology at Hungarian average price levels, up to the vehicle's replacement value.

A biztosító megtéríti a biztosított járműben a biztosítási esemény következtében keletkezett károsodások – magyarországi márkaszervizben, magyarországi átlagos árszínvonalnak megfelelő a gyári javítási technológia szerint elvégzett – helyreállításának számlával igazolt költségét.

[102] Total loss: 100% of insured sum ↩

In case of total loss (uneconomic repair) or theft where the vehicle is not recovered, the insurer pays the vehicle's replacement value (the price of an equivalent vehicle in Hungary at the time of loss), less salvage value, capped at the used-vehicle market value.

A biztosító a helyreállítás gazdaságtalansága esetén a jármű maradvány (roncs) értékével csökkentett pótlási értékét téríti meg. A maradvány (roncs) átvételére a biztosító nem köteles.

[103] Partial loss: Covered ↩

Repair costs for partial damage (short of total loss) are reimbursed per invoice, less the applicable deductible; the insurer applies value-increase deductions only after 3 or 6 years from first registration depending on part type.

A biztosító a helyreállítás költségeiből az első forgalomba helyezéstől számított 3 évig nem von le értékemelkedést, a beépített új alkatrészek értéknövelő hatását figyelmen kívül hagyja.

[104] Theft & robbery: 100% of insured sum ↩

Covers theft, unauthorized taking, and robbery of the properly locked vehicle. Cover for theft risk only applies while the vehicle has a factory-installed immobilizer, and does not apply until any additionally required anti-theft device is installed and all keys are shown to the insurer.

Lopáskár biztosítási eseménynek minősül a megfelelően lezárt jármű ellopása, önkényes elvétele, elrablása, valamint e cselekményekkel kapcsolatban keletkezett sérülése.

[105] Glass damage: Covered ↩

Covers breakage or other damage to vehicle glazing caused by external force or vandalism, without damage to other bodywork parts. No deductible applies if the windscreen/side windows are repaired; if replaced, a 20% deductible applies (10% if the replacement cost does not exceed 65% of the calculated repair cost).

Önálló üvegkár biztosítási eseménynek minősül a biztosított jármű ablaküvegeiben kívülről ható, hirtelen fellépő, baleseti jellegű erőhatás vagy rongálás által keletkezett törés, illetve egyéb sérülés, amennyiben egyéb karosszéria elem nem sérült.

[106] Natural perils: 100% of insured sum ↩

Covers damage caused by fire, lightning, explosion, landslide, rockfall, earthquake (magnitude 5+ MSK-64), collapse of underground cavities, windstorm of at least 15 m/sec, cloudburst, flood, inland water, hail, and falling snow/ice mass.

Elemi kár biztosítási eseménynek minősül a biztosított járműben és annak tartozékaiban, alkatrészeiben tűz, villámcsapás, robbanás, földcsuszamlás, kő- és földomlás, az MSK-64 skála 5. fokozatát elérő földrengés, természetes üreg vagy talajszint alatti építmény beomlása, legalább 15 m/sec erősségű szélvihar, felhőszakadás, árvíz, belvíz, egyéb vízelöntés, jégverés, lezúduló hótömeg, hónyomás által keletkezett kár.

[107] Vandalism: 100% of insured sum ↩

Damage to the vehicle caused by malicious acts of third parties is covered as part of the base 'töréskár' (collision damage) peril.

Töréskár biztosítási eseménynek minősül a biztosított járműben, annak tartozékaiban, alkatrészeiben bármilyen kívülről ható, hirtelen fellépő, baleseti jellegű erőhatás vagy harmadik személy által elkövetett rongálás miatt keletkezett sérülés.

[108] Roadside assistance: HUF 50,000 ↩

Optional add-on providing 0-24 roadside assistance organization and cost reimbursement for breakdown/immobilization: up to 50,000 HUF domestically or 200 EUR abroad for on-site repair, plus separate limits for towing, storage, return travel and rental car organization.

Közúti segélyszolgálat megszervezése és költségének térítése 50 000 Ft 200 EUR

[109] Replacement vehicle: HUF 100,000 ↩

Optional add-on reimbursing the invoiced rental cost of a same-or-lower category replacement vehicle while the insured car is being repaired following an insured event or is stolen, up to 100,000 HUF per claim and maximum 10 days.

A biztosító megtéríti a biztosított járművel azonos, vagy kisebb kategóriájú kölcsöngépjármű számlával igazolt bérleti költségét, amennyiben a bérbeadó a biztosító szerződéses partnere, vagy a bérbeadó árajánlatát a biztosító elfogadta.

[110] Driver accident: HUF 1,000,000 ↩

Optional add-on paying 1,000,000 HUF per insured person for accidental death (multipliable by chosen units), 110% of the death sum proportional to a permanent disability rating of at least 31%, and 100,000 HUF for injury resulting in disability of 1-30% or defined burns.

Az 1.3. pontban meghatározott baleseti halál esetén a biztosító biztosítottanként 1 000 000 Ft egységnyi összegnek a szerződésben rögzített egységszámmal szorzott összegét (biztosítási összeg) nyújtja a szolgáltatásra jogosultnak.

[111] Own damage: Covered ↩

Covers sudden, accidental, externally-caused breakage or damage to the insured vehicle, technically identifiable with the reported event; compensation is based on the vehicle's market value at the time of loss, not a fixed sum insured.

töréskár (A biztosított jármûben kívülről ható, hirtelen fellépő, baleseti jellegű, akaraton kívüli erőhatás miatt keletkezett törés, vagy sérülés, mely a kárbejelentés szerinti eseménnyel műszakilag azonosítható.)

[112] Total loss: Covered ↩

Applies when the vehicle is completely destroyed, disappears, or repair is no longer economically justified because repair and related costs plus remaining value loss exceed the vehicle's market value minus salvage value; the insurer pays the replacement value less salvage value.

Akkor állnak be a feltételei, ha a káresemény következtében károsult gépjármű megjavíttatása gazdaságilag nem indokolható, mivel annak javítási, valamint a kár elhárításával kapcsolatos egyéb költségei, illetve a javítást követően fennmaradó értékcsökkenés összege a gépjármű forgalmi értékének maradványértékkel (roncsértékkel) csökkentett összegét meghaladja.

[113] Partial loss: Covered ↩

Repairable damage is compensated based on the invoiced repair cost from an authorized workshop, after deduction of the contracted deductible; up to 8 years of vehicle age, no depreciation is deducted from new-part repair costs.

Az UNIQA Casco a jármű 8 éves koráig nem foglalkozik az autó amortizációjával, vagyis értékcsökkenésével. Ez azt jelenti, hogy eltekint az avulástól, és úgy téríti meg a javítási költségeket, mintha a gépkocsi új lenne.

[114] Theft & robbery: Covered ↩

Covers theft, unauthorized taking or robbery of the insured vehicle or its insured built-in parts and accessories, including damage caused during a theft attempt; does not apply if the insured voluntarily lent or rented out the vehicle and it was subsequently misappropriated.

lopáskár (A biztosított jármű, vagy biztosítási fedezet alá tartozó beépített alkatrészeinek, tartozékainak ellopása, önkényes elvétele, elrablása.) […] amelyek azért következnek be, mert a szerződő a biztosított járművet bármilyen jogcímen más birtokába adja (pl. bérlet, kölcsön stb.) és a gépjárművet a jogszerű birtokos elsikkasztja (ellopja), vagy más módon eltulajdonítja, elidegeníti.

[115] Glass damage: Covered ↩

Covers breakage or damage to the vehicle's front and rear windscreens, side windows and roof window caused by any sudden, accidental external force or vandalism; no depreciation is ever deducted for glass repair costs, regardless of vehicle age.

[116] Natural perils: Covered ↩

Covers damage from earthquake (Mercalli-Sieberg grade 5+), landslide, rockfall, subsidence, windstorm of at least 15 m/s, cloudburst, flood, inland water, hail, falling snow mass, fire and lightning strike.

elemi károk (Mercalli-Sieberg-skála alapján legalább 5-ös fokozatúnak regisztrált földrengés, földcsuszamlás, kő- és földomlás, természetes üreg vagy talajszint alatti építmény beomlása, legalább 15 m/s sebességű szélvihar, felhőszakadás, árvíz, belvíz, egyéb vízelöntés, jégverés, lezúduló hótömeg és hónyomás, tűz, villámcsapás)

[117] Vandalism: See details ↩

Vandalism by unknown persons is covered as one of the damage types the Casco policy addresses, alongside collision damage, natural perils, theft and glass damage.

Ismeretlen személyek által okozott károk Pl. rongálás

[118] Roadside assistance: Optional ↩

AutoHelp (vehicle roadside assistance plus foreign legal-protection assistance for passenger-car travelers) is available only as a paid add-on to E-Optimum Casco, unlike Multi Casco Plus where it is a built-in, no-extra-cost component.

Amint említettük, az AutoHelp kizárólag az E-Optimum casco esetén számít kiegészítő biztosításnak, de akkor is megéri beruházni rá.

[119] Replacement vehicle: See details ↩

Not covered; the E-Optimum Casco policy's benefits (own damage, total loss, theft, glass and elemental damage, plus optional AutoHelp, accident and luggage add-ons) do not include a replacement vehicle.

töréskár (...) lopáskár (...) elemi károk (...) üvegkár (...) Külön díjért választható kiegészítő biztosítások: ● AutoHelp, amely az alábbi elemekből áll: – Gépjármű segítségnyújtás és biztosítás, – Külföldi jogvédelmi segítségnyújtás és biztosítás személygépjárművel utazók részére. ● Balesetbiztosítás ● Kiegészítő belföldi poggyászbiztosítás

[120] Driver accident: Optional ↩

Accident insurance for vehicle occupants (Balesetbiztosítás) is offered as a separately-priced optional add-on to E-Optimum Casco, alongside optional supplementary domestic luggage insurance.

Külön díjért választható kiegészítő biztosítások: […] ● Balesetbiztosítás […] ● Kiegészítő belföldi poggyászbiztosítás

[121] Own damage: Covered ↩

Covers physical damage to the insured vehicle from a sudden, external, accidental mechanical impact (töréskár), including damage caused by third parties. The insurer reimburses invoice-documented repair costs performed at a Hungarian workshop at average Hungarian price levels. New parts are used until the vehicle is 6 years old; thereafter repairs are compensated at current (káridőponti) value. Wear items (tyres, battery, exhaust system, moving/rotating parts, suspension components, engine, gearbox, electro-acoustic equipment, alloy wheels and full repainting) are always compensated at current value regardless of vehicle age.

[122] Total loss: Covered ↩

For passenger cars and trucks up to 3.5t gross weight, if the vehicle is a total loss (including uneconomical repair, i.e. repair cost exceeds 80% of current market value) or is stolen/robbed within the first year after first registration, the insurer pays 100% of the purchase invoice value if 0-6 months have elapsed since first registration, or 90% if 7-12 months have elapsed, subject to conditions (first registered owner, vehicle first put into circulation in Hungary with ≤1000 km via an authorised dealer within 1 year of manufacture under warranty, average Eurotax condition/mileage, damage-free until the event). From month 13 onward, or if these conditions are not met, the insurer pays the current market value (káridőponti forgalmi érték), capped at 115% of the Eurotax catalogue value, less the wreck (salvage) value.

[123] Partial loss: Covered ↩

Covers partial damage repair costs, with a wear-and-tear (betterment) deduction applied to parts and full repainting costs; until 6 years from first registration this deduction is limited to the same wear-item categories as under total loss. Material-handling costs are not reimbursed, and replacement of a repairable part beyond what is necessary is not compensated.

[124] Theft & robbery: Conditional ↩

Covers theft or robbery of the insured vehicle or its parts, provided the vehicle was locked and the required anti-theft security device (meeting the AE-rated immobilizer/security specifications set out in the applicable clause) was functioning and properly used at the time of the event. Settlement follows the total-loss replacement-cost rules.

[125] Glass damage: Covered ↩

Covers standalone damage to the vehicle's window glass (excluding roof-mounted glass panels, which are treated as töréskár/collision damage) caused by sudden mechanical impact or third-party vandalism. No deductible applies to a glass repair (as opposed to replacement) if the repair cost does not exceed 50% of the calculated (Audatex) material cost; otherwise the policy's glass deductible applies to replacement.

[126] Natural perils: Covered ↩

Covers damage caused by fire, explosion, lightning strike, landslide, rockfall/earthfall, collapse of a natural or artificial cavity, windstorm of at least 15 m/s, cloudburst, flood, inland inundation, other water inundation, hailstorm, falling snow/avalanche, and earthquake of at least magnitude 5 on the Mercalli-Sieberg scale, including damage from objects thrown onto or colliding with the vehicle as a result of these forces.

[127] Vandalism: Covered ↩

Damage intentionally caused by a third party is covered within the töréskár and üvegkár (glass damage) events; it is not a separately priced peril.

[128] Roadside assistance: HUF 100,000 ↩

The insurer reimburses, without deduction of the deductible, reasonably incurred and invoice-documented transport, storage and guarding costs for the insured vehicle following a covered event, up to HUF 100,000 per claim event. Costs incurred outside Hungary are covered only if pre-approved by the insurer. This is a cost-reimbursement benefit handled during standard business hours, not a 24/7 roadside assistance service.

[129] Replacement vehicle: HUF 100,000 ↩

Optional add-on selectable at policy inception. For repairable damage, reimburses the rental cost of a same-or-lower category replacement vehicle for the manufacturer-technology repair time (per Audatex labour hours), up to 15 days; for total loss or theft, reimburses rental costs until the claim payment is made, up to 15 days. Requires a pre-approved rental quotation. Maximum HUF 100,000 per claim event and per insurance period.

[130] Driver accident: Optional ↩

Optional add-on selectable at inception, covering persons lawfully travelling in the insured vehicle (excluding fare-paying passengers) for death and permanent disability resulting from a casco-covered accident. Pays the policy-specified death benefit; 100% permanent impairment pays double the death benefit, with proportional payment for lower impairment percentages and no benefit below 50% impairment. No deductible applies.