Allianz
Allianz is a motor casco insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
For casco claims, the policyholder may choose cash settlement, an Allianz contracted repair partner, or any other auto repair shop. Claim can be reported online, by phone, or directly at a contracted repair partner. The insurer does not pay for services obtained without prior notification and approval (for assistance claims).
Geographic scope
Europe
Casco coverage valid in: Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus (assistance on Greek part only), Czech Republic, Denmark, United Kingdom, North Macedonia, Estonia, Finland, France, Greece, Netherlands, Croatia, Ireland, Iceland, Kosovo, Poland, Latvia, Liechtenstein, Lithuania, Luxembourg, Hungary, Malta, Monaco, Montenegro, Germany, Norway, Italy, Portugal, Romania, San Marino, Spain, Switzerland, Sweden, Serbia, Slovakia, Slovenia, Turkey (assistance on European part only), Vatican. GFB valid in EEA + Switzerland + Green Card countries (excl. Belarus, Russia, Iran).
Unique selling points
- Purchase price insurance (vételár biztosítás) in the Max package pays up to HUF 6,000,000 to cover the gap between purchase-time new value and loss-time value for cars up to 12 months old.
- 10% online discount is automatically applied when the policy is taken out on allianz.hu, with an additional 5% for simultaneous KGFB + Casco Max bundle purchase.
- Glass damage deductible is waived entirely if the windscreen or glass can be repaired without replacement (chip repair), avoiding the standard HUF 75,000 deductible.
- Free choice of repair: casco claims can be settled via cash payment, any contracted Allianz repair partner, or any independent workshop – no network lock-in.
- Comprehensive EV coverage: casco coverages extend to the EV battery, charging cable, wall box, and adapter for accident, theft, and fire damage, including batteries financed separately via leasing.
Coverage limits
Collision / Accidental Damage (Töréskár)
Covered
Covers accidental damage to the insured vehicle, its parts and accessories (collision damage). Available in Max package only. Also covers EV charging cables, wall boxes, adapters, and battery units damaged in an accident.
Total Loss / Purchase Price Insurance (Vételár biztosítás)
Covered
In the event of total loss or theft of a passenger car within 12 months of first registration, the insurer pays the difference between the purchase-time new value and the loss-time value, up to a maximum of 30% of the purchase-time new value and no more than HUF 6,000,000. Only valid for passenger cars; not available for vehicles where the year of first registration is at least 2 years later than the year of manufacture.
Partial Loss (Partial Damage)
Covered
Partial damage to the insured vehicle is covered under the respective applicable coverage (collision, natural perils, theft attempt, vandalism, etc.) up to the insured value minus the applicable deductible. The insurer applies proportional or reduced compensation if unreported changes or false data were provided.
Theft and Robbery (Lopáskár)
Covered
Covers theft, robbery or attempted theft/robbery of the vehicle or its parts and accessories, and damages caused to the vehicle in the course of such acts. Exclusion: the vehicle is not covered for theft if the keys or other devices enabling ignition and removal were left in the vehicle at the time of theft.
Glass Damage (Üvegkár)
Covered
Covers accidental cracking or breaking of the windscreen or other glass surfaces of the vehicle. A fixed deductible of HUF 75,000 applies per glass claim (where replacement is required); no deductible is applied if the damage is repaired without glass replacement (chip repair).
Natural Perils / Elemental Damage (Elemi károk)
Covered
Covers damage or destruction of the vehicle caused by natural forces, including storm (szélvihar), hail (jégverés), landslide (földcsuszamlás), and flood (árvíz). Also includes fire and explosion damage (tűz- és robbanáskár) and collision with animals (állattal való ütközés).
Vandalism / Malicious Damage (Rongálás)
Covered
Covers damage intentionally caused to the insured vehicle by a third party (vandalism). In the AHE-12511/4 version, the definition specifies "intentionally caused" damage by a third person.
Roadside Assistance (Assistance szolgáltatás)
Covered
24/7 on-site technical assistance in the event of accident and/or mechanical breakdown, including towing to the nearest repair shop and passenger transport. Extended assistance (Plusz, Extra, Max packages) also includes replacement vehicle, accommodation costs, and repatriation. Costs of materials and spare parts (e.g. new tyre, fuel, key) are not covered. Domestic assistance line: +36 80 104 122; International: +43-1-525-03-6552.
Replacement Vehicle (Csereautó)
Conditional
A replacement vehicle is provided as part of the extended assistance service (bővített assistance) included in Plusz, Extra, and Max packages. Also covers accommodation costs and repatriation costs. Not available in the basic Komfort package assistance.
Traffic Accident Cover (Közlekedési baleset fedezet)
Covered
Covers the driver and passengers for death or permanent health impairment resulting from a traffic accident. The extended version (bővített közlekedési baleset) provides higher benefit limits than the basic version. Valid worldwide for vehicles covered by GFB and/or casco. Exclusions include accidents during boarding/alighting or parking. Does not cover body parts already permanently impaired before the accident.
Key conditions
driver_age_experience_limit
No explicit driver age or experience minimum is stated in the IPID or publicly available T&C summaries for the Allianz Autóm casco product. Premium may be influenced by the age of the driver/policyholder via the bonus-malus and tariff system.
repair_network_requirements
For casco claims, the policyholder may freely choose between: (1) cash settlement (készpénzes kárrendezés), (2) an Allianz contracted repair partner, or (3) any other auto repair shop. There is no obligation to use the contracted repair network. Upgrading the casco coverage on an existing contract requires a risk assessment and vehicle inspection (szemle).
territorial_scope
Casco, legal assistance and assistance coverages apply in approximately 40 European countries (including Hungary, all EU member states, EEA countries, Switzerland, Balkans). Turkey and Cyprus covered for assistance on European/Greek parts only. Traffic accident cover is valid worldwide. GFB cover applies in EEA + Switzerland + Green Card countries (excluding Belarus, Russia, Iran). Extended territorial coverage may be arranged on request for an additional premium.
anti_theft_requirements
The theft coverage (lopáskár) does not apply if, at the time of the theft, the keys or other devices enabling the starting and removal of the vehicle were left in or on the vehicle. The policyholder is required to possess all devices enabling vehicle access (e.g. keys, remote, code card) to be eligible for theft cover.
claim_notification_deadline
GFB (MTPL) claims must be reported to the insurer within 5 working days. For casco and other claims: the policyholder must mitigate the damage to the extent possible and preserve the damage condition until agreed with the insurer on the damage assessment. Any changes to the reported data within 8 days of policy inception must also be notified.
deductible_rules
For casco coverages (natural perils, fire and explosion, animal collision, theft, vandalism, collision damage): the contractually defined deductible (önrészesedés) is deducted from the assessed claim. The policyholder may choose the deductible level; a higher deductible results in a lower premium. For glass damage (üvegkár): a fixed deductible of HUF 75,000 applies per claim where glass replacement is required; no deductible applies if the damage is repaired without replacement (chip repair). The insurer applies proportional or reduced compensation in cases of unreported changes or false data.
Where to buy
Documents
Allianz Autóm Biztosítási információk (Ügyféltájékoztató és általános szerződési feltételek) – hatályos 2024.12.01-től
terms_and_conditions
Allianz Autóm Gépjármű-biztosítás Biztosítási termékismertető (IPID) – AHE-12511/4
ipid
Allianz Autóm gépjármű-biztosítás – Eltérés a szerződési gyakorlattól, illetve a jogszabályoktól (2026.04.01-től)
other
Policy specifics
CASCO package options
Multiple CASCO package tiers available including basic coverage through comprehensive options
Natural disaster and weather coverage
Extended CASCO packages include coverage for natural events such as storms, flooding, and hail
Third-party liability (compulsory insurance)
Coverage for damage caused by the insured vehicle to third parties
Deductible (self-participation)
Both fixed amount and percentage-based deductibles apply; the higher amount is retained by insurer
Authorized repair network
CASCO claims can be settled through authorized repair partners or cash settlement at customer choice
Fleet and veteran vehicle exclusion
This specific Autóm CASCO variant cannot be bound for fleet or veteran vehicles
No-claims bonus/discount system
Premium discounts available based on claim-free history from previous insurance