Generali Insurance Company Ltd.
Generali
Generali is a motor casco insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
Partial-loss repair costs are reimbursed against invoice up to the Audatex calculation valid at the time of loss, with a depreciation deduction; assistance-type benefits (towing, storage, breakdown recovery) are paid directly to the contracted service provider, or reimbursed to the policyholder against invoice if the insurer could not send its own provider.
Geographic scope
Hungary plus a wide list of pan-European (and some non-EU) territories named in the policy terms
Hungary, Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Cyprus, Czechia, Denmark, United Kingdom, North Macedonia, Estonia, Finland, Belarus, France, Gibraltar, Greece, Netherlands, Croatia, Ireland, Iceland, Kosovo, Poland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Germany, Norway, Italy, Portugal, Romania, San Marino, Spain, Switzerland, Sweden, Serbia, Slovakia, Slovenia, the European part of Turkey, Ukraine and the Vatican (JCKF29 III.).
Unique selling points
- Optimál Prémium and Optimál Extra customers receive free built-in international travel insurance (medical/assistance cover up to HUF 5,000,000, 24/7 Hungarian-language assistance) bundled into the casco policy at no extra cost.
- Glass damage repaired without replacement is reimbursed with zero deductible, and glass or headlamp claims below defined cost thresholds do not affect the policy's bonus-malus classification.
- Aktív kárrendezés lets policyholders claim third-party-caused collision damage directly from their own casco cover without paying any deductible, once the at-fault driver's MTPL insurer confirms liability.
- Repairs at the policy's dealer-coded brand workshop (or any authorised BMW/Mini dealer) cut the minimum deductible in half.
- A dedicated suite of EV-specific riders covers wallbox and charging-cable theft, secondary lightning-induced surges during charging, and flat-battery/breakdown assistance for fully electric vehicles.
Coverage limits
Own damage (collision/breakage) coverage
Conditional
Only in Optimál, Optimál Prémium, Optimál Extra
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.
Total loss coverage
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.
Partial damage coverage
Conditional
Only in Optimál, Optimál Prémium, Optimál Extra
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.
Theft and robbery coverage
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.
Glass breakage coverage
Conditional
Only in Optimál, Optimál Prémium, Optimál Extra
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.
Natural hazard (elemi kár) coverage
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.
Vandalism coverage
Conditional
Only in Optimál, Optimál Prémium, Optimál Extra
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).
Roadside assistance / towing and storage
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).
Replacement vehicle coverage
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.
Occupant accident insurance
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.
Key conditions
Driver age and experience limit
The Komplett Casco terms set no minimum driver age or experience requirement; cover instead depends on the lawful driver holding a valid driving licence and not being under the influence of alcohol/drugs.
Repair network requirements
Repairs are reimbursed against invoice up to the Audatex calculation valid at loss date; if repaired at a dealer-coded brand workshop named in the policy, the minimum deductible is halved, and for BMW/Mini this discount applies at any authorised Hungarian dealer workshop.
Territorial scope
Covers events in Hungary and a broad list of European (and some non-EU) countries per JCKF29 III, including the United Kingdom, Belarus, Ukraine, North Macedonia, Moldova, Gibraltar and the Vatican.
Anti-theft requirements
Theft cover is conditional on the vehicle's factory or aftermarket anti-theft device (alarm/immobiliser) being fully functional and activated at the time of loss; optional záradékok define stricter minimum technical standards (e.g. protection of all openings, LED alarm indicator, immobiliser blocking ≥3 circuits, or satellite tracking).
Claim notification deadline
Claims must be reported within 15 days of discovery; theft, robbery, vandalism, fire or explosion must additionally be reported to the police (and fire brigade where relevant) within 2 working days, and recovery of a previously stolen vehicle must be reported within 2 working days of learning of it.
Deductible rules
The deductible applies per insured event and per vehicle, even where several events stem from one occurrence; glass damage repaired without replacement carries no deductible, and replacement only carries one once cost reaches 65% of the Audatex value; the minimum deductible is halved for repairs at the dealer-coded brand workshop.
Policy specifics
Partial theft coverage
Coverage for theft of parts and accessories from the vehicle when protected by functioning security devices
SourceGlass damage coverage
Coverage for damage to vehicle windows and glass from mechanical impact or vandalism
SourceAccident damage coverage
Comprehensive coverage for damage caused by vehicle collision or accident
SourceNatural disaster coverage
Coverage for damage from natural forces including fire, lightning, landslide, rock/soil collapse
SourceDeductible/self-participation
Policyholder's self-participation amount in each claim, applied per insurance event and per vehicle
SourceBonus-Malus system
Premium adjustment system based on claims history and risk classification, ranging from class A00 to E30
SourceRisk coverage commencement
Coverage begins the day following policy acceptance, or at a later date specified by parties; for new vehicles at earliest on vehicle registration date
SourceClaims settlement through direct workshop network
Insurer compensates repair costs directly to authorized repair workshops; for total loss, indemnifies policyholder after deducting salvage value and self-participation
SourceElectronic audio equipment coverage limit
Coverage for factory-installed or aftermarket audio equipment limited to 300,000 HUF; specific brand and model must be declared
SourceGeographic coverage area
Coverage valid in Hungary and specified European countries including: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and European Turkey
Source