Alfa
Alfa is a motor casco insurance for the HU market with online purchase and limited assistance availability.
Direct payment
The insurer settles claims exclusively in Hungary; payment is made in Hungarian forint (HUF). Repairs, restoration and replacement are only reimbursed to the extent they take place in Hungary.
Geographic scope
Europe
Európa területe, ideértve Törökország teljes területét; nem terjed ki a volt Szovjetunió utódállamaira, kivéve Észtország, Lettország, Litvánia, Ukrajna területét
Unique selling points
- Comprehensive base protection includes three mandatory coverages in one contract: collision/breakage, natural perils and fire, and glass damage — cannot be broken up.
- Built-in bonus system with up to 10 discount classes (C0–C10); bonus earned can be transferred from another insurer if breakage coverage was included, within 1 year of previous contract end.
- Wide range of unique optional add-ons rarely offered by competitors: pothole damage, rodent damage, active claims handling (direct settlement against third-party insurer), pet accident cover, and data recovery insurance.
- No depreciation applied to bodywork elements for vehicles up to 8 years old, ensuring full market-value reimbursement for newer cars.
- 24-hour roadside assistance available as an add-on with dispatch within 45 minutes domestically, and includes loan vehicle, hotel accommodation or onward travel arrangement when same-day repair is not possible.
Coverage limits
Collision and breakage damage (Töréskár)
Covered
Covers any externally caused, sudden, technically identifiable force causing breakage or other damage to the insured vehicle and its accessories. In case of total loss, the insurer pays the vehicle's market value at the time of loss minus salvage value. Partial loss is reimbursed at authorized dealer labour rates if repaired at an authorised dealership. No depreciation applied for vehicles up to 8 years old.
Total loss (Totálkár)
Covered
Total loss is recognised when the cost of repair reaches 70% of the vehicle's value at the time of loss, or the frame is irreparably damaged. The insurer reimburses the vehicle's market value at time of loss minus salvage value. The salvage remains the insured's property.
Partial loss repair
Covered
Where repair costs are below 70% of the vehicle's value at time of loss, the insurer reimburses repair costs at authorised dealership labour rates (if repaired at an authorised dealership) or the market value of non-repairable parts. Towing and storage costs are covered up to 10% of vehicle value at time of loss, but maximum 300,000 HUF (max. 2 tows per event, up to 10 calendar days storage).
Theft and robbery (Lopáskár)
Optional
Optional add-on coverage for total theft of the properly locked vehicle equipped with the required anti-theft device, or robbery with threats. Also covers partial theft (stripping) of components. External accessories partial theft limit: 250,000 HUF per event. Aftermarket electroacoustic equipment partial theft limit: 150,000 HUF per event. Requires police report.
Glass damage (Üvegkár)
Covered
Mandatory base coverage for breakage or cracking of the vehicle's passenger compartment windows and roof windows caused by sudden external force without other bodywork damage. No deductible applies to repairs; for replacement, a percentage deductible applies (minimum 30,000 HUF per event). No deductible if replaced with aftermarket windscreen and cost does not exceed 65% of OEM price.
Natural perils and fire (Elemi és tűzkár)
Covered
Mandatory base coverage for direct damage to the insured vehicle caused by: lightning strike, earthquake, landslide, rock/earth collapse, collapse of natural cavities or underground structures, windstorm, heavy rain, flood (excluding flood in officially designated floodplains/riverbeds), other water flooding, hail, falling snow mass and snow pressure. Also covers fire, spontaneous combustion and explosion caused by the vehicle's electrical malfunction or external fire spread.
Vandalism / malicious damage
Conditional
Damage caused by unlawful forced entry or attempted theft to the properly locked vehicle (covered under breakage insurance, section 2.1.3). Standalone malicious damage by third parties without attempted theft is not explicitly listed as a separate covered peril. Lock replacement costs after theft attempt are covered under damage prevention provisions (section 1.17).
Roadside assistance (Gépjármű assistance)
Optional
Optional add-on. Provided via outsourced partner (SOS Hungary Assistance Kft) under 24-hour hotline (+36-1-249-0734). Covers on-site repair (dispatch within 45 min domestic, 1-2 hrs abroad), towing to nearest authorised dealer (domestic limit 50,000 HUF, abroad 200 EUR), storage up to 3 days, emergency transport to nearest transit hub, and choice of: loan vehicle (max 3 days, domestic 14,500 HUF/day, abroad 150 EUR/day), hotel (max 3 nights, 10,000 HUF/night domestic, 150 EUR/night abroad), or onward travel by train/bus. 15-day waiting period from policy start.
Loan / replacement vehicle (Kölcsöngépjármű)
Optional
Optional add-on. Available from the day after claim notification for the optimal repair time, maximum 7 days. For total loss or theft, the limit from the Appendix applies. Reimbursement is limited to the rental cost (invoice-based) up to 100,000 HUF per event. Fuel costs and other expenses are not covered.
Passenger and driver accident insurance (Balesetbiztosítás)
Optional
Optional add-on. Covers the driver and passengers of the insured vehicle for accidental death (500,000 HUF), permanent total disability (750,000 HUF), bone fracture or medically certified temporary incapacity of at least 28 days (5,000 HUF), and hospitalisation over 8 days due to accident (10,000 HUF). Amounts can be doubled. No deductible applies. Insurer is released from liability if the insured was not wearing a seatbelt.
Key conditions
driver_age_experience_limit
No minimum age for the policyholder. Double deductible applies if, at the time of the insured event, the vehicle was driven by a person under 25 years of age who is not the policyholder/insured (for corporate insured, the driver is under 25). The double deductible rule does not apply to theft, natural perils/fire, or glass damage. Additionally, double deductible applies if 30% speed limit excess is the cause of the breakage.
repair_network_requirements
For partial loss under breakage insurance, authorized dealer (márkaszerviz) labour rates are reimbursed only if the repair was demonstrably carried out at an authorized dealership. If a component is irreparable, the insurer reimburses its Hungarian market value (price, depreciated value) at time of loss. The insurer settles claims only for repairs performed in Hungary.
territorial_scope
The policy is valid throughout Europe, including the entire territory of Turkey. The policy does not cover losses occurring in the successor states of the former Soviet Union, with the exception of Estonia, Latvia, Lithuania and Ukraine.
anti_theft_requirements
For theft coverage, the vehicle must be properly locked and equipped with the anti-theft device specified in the contract (immobiliser, alarm, etc.) that was active and operational at the time of theft. A vehicle is not considered properly locked if any lock cylinder is missing or damaged so that the lock can be operated without the key, if windows are not closed, or if the required anti-theft device was not activated or inoperable.
claim_notification_deadline
Insured events must be reported to the insurer as soon as possible, but no later than 5 days from the date of becoming aware of the event. The notification must always be confirmed in writing. Fire/explosion damage must also be reported to the fire authority; theft/robbery to the police. The insured must preserve the damaged vehicle unchanged until inspection, but no longer than 5 days from notification (or 5 additional days after removal of the obstacle, if inspection was delayed due to circumstances within the insured's sphere).
deductible_rules
A deductible (önrészesedés) is applied per insured event as specified in the offer and policy. Deductibles below the minimum are not reimbursed. The double deductible rule applies: (1) if at least two prior claims have been paid in the same policy year, (2) if the vehicle was driven by a person under 25 who is not the insured, or (3) if the breakage occurred with a speed limit excess of at least 30%. The double deductible rule does not apply to theft, natural perils/fire, or glass damage. No deductible is applied to accident insurance benefits or roadside assistance.
Where to buy
Policy specifics
Vehicle theft and partial theft
Coverage for total theft of the vehicle or partial theft damage
Pothole damage (suspension and steering)
Coverage for suspension and steering damage when vehicle hits a pothole
Rodent damage
Coverage for damage to vehicle equipment and parts caused by rodents that render the vehicle inoperable
Unemployment relief
Insurance credit of 3 months premium if policyholder loses employment
Windscreen deductible waiver
Deductible waiver for windscreen replacement when the windscreen is irreparable due to breakage or stone impact and the replacement cost using an aftermarket windscreen does not exceed 65% of the OEM price.
Personal belongings coverage
Coverage for personal items damaged or stolen from locked vehicle or locked trunk within Hungary
License plate and registration document replacement cost
Coverage for registry office costs when license plate or registration document is stolen or lost
Abroad medical emergency and baggage theft
Coverage for emergency medical care during foreign travel and baggage theft coverage
Natural disaster coverage
Coverage for vehicle damage caused by lightning, earthquake, landslide, rock/earth collapse, wind, heavy rain, flood, waterlogging, hail, snow
Fire and explosion damage
Coverage for fire, spontaneous combustion, or explosion damage in vehicle and accessories due to electrical malfunction or external fire
Breakage and impact damage
Coverage for sudden external impact damage with technical identification and documented force
Contract termination
Casco contracts cannot be suspended; termination only possible on policy anniversary with 30 days notice
Bonus (discount) transfer between insurers
Earned bonus/discount level can be transferred if previous contract included breakage coverage; valid for 1 year; requires original certification from previous insurer
Vehicle assistance service provider
Roadside assistance service provided by SOS Hungary Assistance Kft since July 3, 2020; same phone number available
Available product variants
Alfa offers multiple Casco variants including: Útitárs Casco, All-In Casco, Motor Casco, Smart Casco