Alfa Casco (own-damage car insurance) (Utitars Casco)

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.

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.

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.

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.

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.

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.

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.

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.

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.