Groupama

driver_age_experience_limit

No specific minimum driver age or experience requirement is stated in the policy terms. However, the driver must hold a valid driving licence for the vehicle category. A claim is excluded if the driver was operating the vehicle without a valid licence for the relevant category, or under the influence of narcotics, alcohol, or other substances impairing driving ability. Note: driving with an expired licence does not count as driving without a licence if renewed within 30 days of the loss event under unchanged conditions.

repair_network_requirements

Repairs must be carried out at a Hungarian workshop (for Komfort/Prémium partial loss claims). For safety/life-protection equipment (airbags, seatbelts), only repairs at the type-identical brand dealership are reimbursed. If Groupama's Auto+ (direct repair) service is used with a contracted partner, Groupama handles administration and deducts the deductible directly; the customer may also use non-contracted workshops and submit invoices. The insurer may verify submitted invoices by requesting purchase/subcontractor receipts and inspecting the vehicle after repair.

territorial_scope

Hungary and all member countries of the Green Card System (European territory). For Prémium Casco assistance services, the territorial scope includes Hungary and a specific list of European countries (some marked * where service quality may depend on local factors). Prémium Casco baggage insurance covers losses in Hungary only (not abroad). Theft/robbery claims abroad must also be reported to the relevant foreign authority.

anti_theft_requirements

The vehicle must be properly locked (all lock cylinders intact, windows closed) and the contracted anti-theft system (alarm, tracker, etc.) named in the policy must be active. If the vehicle keys are lost, locks and the anti-theft system must be recoded or replaced at a specialist workshop immediately; until then, the vehicle must be stored in a protected location. Keys must be stored in a locked or properly guarded place. After a theft or theft attempt, all keys must be presented to the insurer. Theft cover may be excluded by endorsement (A01: missing MABISZ-rated immobiliser; A02: inability to account for all original keys; A11: missing MABISZ-rated anti-robbery device).

claim_notification_deadline

Claims must be reported to the insurer in writing within 2 business days of the occurrence or the insured's/policyholder's becoming aware of the event. Supporting documents (driver's licence, vehicle registration, logbook, police report for theft/fire) must also be submitted. Fire/explosion damage must also be reported to the fire authority. Theft and robbery must also be reported to the police; abroad, also to the relevant foreign authority. If notification is late and this makes key circumstances impossible to establish, the insurer may be released from its obligation. The insurer must receive the final loss notification within 15 days; payment is due within 15 days of receiving the last document. For theft/robbery, payment becomes due on day 75 after the police report even if investigations are ongoing (unless the vehicle is recovered earlier).

deductible_rules

A deductible (önrész) applies to each insured event as specified in the policy/certificate. The deductible consists of a percentage (10% or 20%, chosen by the policyholder at inception) AND a minimum amount (also chosen at inception). The higher of the two applies. Exception 1: No deductible if windscreen/glass is repaired without replacement. Exception 2: Only the percentage deductible (not the minimum) applies if the claim covers ONLY glass replacement cost (below 65% of Audatex calculation) or ONLY damage from a theft attempt affecting locks/security system. If glass replacement cost equals or exceeds 65% of Audatex calculation, 20% deductible applies. Exception 3: Doubled deductible (2× contractual amount) if breakage damage occurred at ≥30% above the speed limit. No deductible is charged for Prémium Casco assistance, accident, and baggage services.

Theft protection

Coverage for vehicle theft and robbery

Total loss coverage

Coverage for total loss when repair costs exceed 70% of vehicle value

Collision damage

Coverage for vehicle damage from collision events

Elemental damage coverage

Coverage for damage caused by natural disasters such as hail, storms, and floods

Rodent damage coverage

Coverage for damage caused by rodents chewing cables and materials

Game strike coverage

Coverage for vehicle damage from collision with wild animals

Key loss and replacement coverage

Coverage that reimburses 50% of key replacement and lock change costs

New parts coverage for vehicles under 9 years

Full reimbursement of new parts costs for vehicles younger than 9 years in case of breakage

Baggage and valuables coverage

Coverage for stolen, damaged or lost items from vehicle during travel

International roadside assistance

24/7 roadside assistance service within Hungary and abroad

Bonus-malus discount system

Claims-free year discount system with one base class (A00) and 10 bonus classes (B01-B10)

Deductible structure

Deductible consists of percentage-based (10% or 20%) and minimum amount components

Vehicle condition assessment at policy inception

Insurer examines vehicle condition at contract inception; may exclude certain damage types

Residual value deduction

In case of total loss, residual value is deducted from compensation unless insurer takes the wreck

Preferred repair partner network

Preferred repair partners offer full claims handling without customer involvement and provide rental car

Policy switching at renewal

Can switch insurers at policy anniversary date without credit lender restrictions

Casco package tiers

Three package options: Bázis (basic), Komfort (comfort), Prémium (premium) with varying coverage levels