Allianz Hungária Biztosító Zártkörűen Működő Részvénytársaság

Driver age and experience limit

The terms do not set a specific minimum driver age or licence-experience requirement for casco cover; however, if the driver had no valid driving licence at the time of the accident this can be treated as gross negligence, allowing the insurer to reduce or refuse the casco service.

Repair network requirements

Policyholders may freely choose between Allianz's extensive contracted repair-partner network (offering shorter repair times, guaranteed quality and direct settlement with the workshop so the customer does not have to pre-finance the repair) or an independent workshop of their choice.

Territorial scope

GFB liability cover applies across the EEA, Switzerland and Green Card countries (excluding Russia, Belarus and Iran). Casco and legal-assistance cover apply in the 40 countries listed in the T&Cs (EU/EEA states, UK, Balkan states, Turkey and others). Assistance excludes Northern Cyprus and Asian Turkey. Traffic-accident cover applies worldwide.

Anti-theft requirements

For theft claims the vehicle must have been 'locked': entry was only possible by forcing or bypassing protection, all anti-theft/security devices declared at contracting (e.g. immobiliser, gear lock, alarm, GPS tracker) were operational and switched on, and the policyholder must possess all keys/cards needed to open the vehicle. A motorcycle is considered locked if the steering lock functioned properly and was engaged.

Claim notification deadline

Casco claims must generally be reported within 24 hours of the loss (or, while the risk is still under underwriting review, via the online claims portal within 24 hours or by phone within 1 business day); GFB claims within 5 business days if the policyholder caused the damage, or 30 days if they are the injured party; legal assistance within 15 days; assistance services before use; traffic-accident claims within 8 days of the accident or of death.

Deductible rules

Casco cover (except glass damage) applies a base deductible chosen at inception; an optional percentage deductible can be added on top of (not instead of) the base deductible, and the higher of the two amounts is deducted from each claim. Glass-damage deductible is HUF 75,000 with only a base deductible, or 20% of the claim (min. HUF 75,000) if a percentage deductible was also chosen — reduced to HUF 20,000 / 10% (min. HUF 20,000) for technologically justified glass replacement using ≤60% of the factory material requirement. The deductible is doubled if the accident (animal collision or collision damage) was caused by exceeding the speed limit by at least 30% or by disregarding a red traffic signal, level-crossing signal, police officer or traffic warden.

Natural catastrophe coverage

Comprehensive insurance covering damages from natural disasters such as storms, floods, and weather-related events

Theft coverage

Comprehensive coverage for theft or illegal taking of the motor vehicle, theft of accessories or parts, and damages from theft attempts

Vandalism coverage

Coverage for damages caused to the insured vehicle by vandalism or damage caused by third parties

Glass and breakage coverage (full casco)

Full comprehensive coverage including repairs or replacement for glass damage, windshield cracks, and other breakage damage to the insured vehicle

New value guarantee for total loss

Insurer reimburses the difference between new purchase value and damage value for total loss or theft, up to 30% of new value and maximum 6,000,000 HUF

Accident damage coverage

Coverage for damages caused to the insured vehicle or its parts and accessories as a result of accidents

Traffic accident personal injury coverage

Coverage extends to traffic accidents occurring anywhere in the world involving the insured motor vehicle under casco coverage, with legal counsel available

Electric vehicle battery coverage

For electric vehicles, casco coverage includes theft, fire, or breakage of the battery as an integral part of the vehicle; excludes battery malfunction or capacity loss and non-manufacturer approved use

Claim settlement options

For casco coverage, policyholder can choose between: cash settlement, payment through contracted repair partners, or other authorized service stations

Risk assessment and inspection requirement

When adding casco coverage to an existing contract, risk assessment and inspection of the vehicle are required

Package upgrade conditions

Package upgrades are only possible if the contract premiums are paid at least until the effective date of the change

Product eligibility restrictions

Allianz Autóm Casco cannot be purchased for fleet vehicles or vintage/classic vehicles

Available payment methods

Policyholder can choose from: bank transfer, direct debit, or credit card payment

Online contract conclusion discount

Automatic 10% discount applied to KGFB premium when contract is concluded on allianz.hu website; additional 5% discount available when KGFB and Casco Max package concluded together

Multi-policy discount eligibility

For KGFB coverage premium, discount available if policyholder already has valid Allianz home insurance, life insurance, health insurance, or casco coverage at start of insurance period

Digital customer portal access

E-product customers can register for Allianz Customer Portal using policy number, email address, and mobile phone number provided at contract conclusion to access contract documents, modify data, and conduct online transactions