K&H Insurance Private Limited Company

Driver age and experience limit

The K&H casco T&C do not impose a minimum driver age or minimum driving-experience requirement as an eligibility condition for cover.

Repair network requirements

There is no mandatory closed repair-shop network; the policyholder may choose any repair shop. For cars and vans up to 3,500 kg the parties may agree that the insurer settles based on the Audatex (or Autovista/DAT) cost-calculation system commonly used by Hungarian repair businesses; other vehicle categories are settled on the insurer's own repair cost calculation.

Territorial scope

Cover applies within the geographic territory of Europe as explicitly listed in the policy conditions, with an exception excluding Moldova, Belarus, Russia and Ukraine for the bus vehicle category.

Anti-theft requirements

For passenger cars and light trucks (up to 3,500 kg) the minimum protection requirement is the original factory lock set plus an immobiliser (factory-fitted, confirmed by the Autovista database, or a non-factory unit certified by MABISZ's Asset Protection Committee); for buses, heavy trucks, road tractors and agricultural tractors the accepted minimum is the original factory lock system. If the vehicle has no factory immobiliser, theft cover only applies if a certified installer's confirmation of retrofitting is provided.

Claim notification deadline

Under the formal policy conditions (clause 1.11.3.1), a claim must be reported without delay, and no later than 15 working days after becoming aware of it; the customer-information section of the same booklet mentions a shorter 2-working-day figure, but the document itself states that in case of dispute the formal policy conditions (not the customer-information text) govern, so the 15-working-day deadline applies.

Deductible rules

The policyholder freely chooses a percentage deductible (10% or 20%) combined with a minimum forint deductible (HUF 50,000/100,000/200,000/400,000); whichever of the two amounts is higher is deducted per claim. No deductible applies to elemental-damage claims or to rescue/transport/storage costs. Self-contained glass-only claims deduct only the percentage deductible (except buses). Lock/key-set replacement after burglary is reimbursed up to HUF 150,000 after the chosen percentage deductible. Until a mandatory pre-contract vehicle inspection dossier is accepted by the insurer, theft cover does not apply at all, and other claims are settled with a 30% deductible (minimum HUF 1,000,000, or the policyholder's chosen minimum if higher).

Collision and accident damage (Törés)

Coverage for damage caused by collision or sudden external impact (baleset eredetű hirtelen külső erőhatás)

Elemental damage (Elemi kár)

Coverage for fire, explosion, and natural force damage (tűz, robbanás és természeti eredetű károsító hatások)

Theft damage (Lopáskár)

Optional coverage for theft of properly locked vehicle or theft of parts and accessories (lopáskárnak minősül minden olyan kár, amely úgy következett be, hogy az elkövető a megfelelően lezárt járművet ellopta)

Electric vehicle and battery coverage

Coverage for purely electric or plug-in hybrid vehicles, including drive battery, original factory charging cable, and wall-mounted charging unit (wallbox) damage

Baggage/cargo insurance (Poggyászbiztosítás)

Supplementary coverage for items transported in the insured vehicle in Europe, regardless of item type or ownership

Recreational equipment insurance (Gépjárművön szállított szabadidős eszközök biztosítása)

Supplementary coverage for recreational sports equipment, tools and accessories mounted on vehicle per traffic regulations, roof box, and roof rack

Accident insurance for vehicle occupants (Balesetbiztosítás)

Supplementary coverage for vehicle occupants providing benefits for death, permanent disability and temporary injury in event of accident

24-hour Casco Service (K&H cascoszerviz 24)

Supplementary service providing 24/7 roadside assistance, car recovery, storage and onward travel arrangements for immobilized vehicles

Extra parts insurance (Extra tartozékok biztosítása)

Supplementary coverage for non-factory installed parts and accessories beyond standard vehicle configuration

Lock/key replacement cap after burglary

If a lock is damaged in an attempted break-in and the lock cylinder was taken, the entire lock set and key set must be replaced at an authorised workshop; the insurer reimburses the associated cost, after the chosen percentage deductible, up to HUF 150,000.

Coverage restriction pending mandatory vehicle inspection

For policies where a vehicle inspection (szemle) is mandatory (e.g. used non-premium vehicles without continuous prior cover, or premium vehicles over HUF 15 million), theft cover does not apply at all until the inspection documentation is accepted by the insurer, and other claims are settled with a 30% deductible, minimum HUF 1,000,000 (or the policyholder's chosen minimum deductible if higher).

Contract duration and renewal

Contract can be concluded for indefinite term with insurance period of one year that automatically renews on policy anniversary

Geographic coverage area

Coverage extends to European geographic territory including all EU/EEA countries plus selected neighbors like Russia (European part), Turkey (European part)

Eligible vehicle types

Passenger cars and light commercial vehicles (max 3,500 kg) can be insured online; other types (buses, trucks, tractors, trailers, caravans) require agent assistance

Maximum vehicle age for coverage

Casco insurance can be purchased for vehicles up to 15 years from manufacturing year

New vehicle definition and risk inception timing

New vehicle: odometer shows fewer than 100 km and first owner applies for casco. For new vehicles, coverage can commence on application signature date (with specific time); used vehicles coverage begins day after application signature at 00:00

Bonus-malus (claims history) classification

Insured eligible for bonus class based on claim-free periods in prior insurance periods; otherwise classified as A00 or malus class if claims occurred (excluding glass-only or elemental-only damage)

Premium payment frequency options

Premium can be paid quarterly, semi-annually, or annually. Online binding supports these frequencies with additional discounts available depending on payment method (transfer, direct debit, card, postal check)

Notification requirement for address/vehicle changes

Insured must notify insurer in writing within 8 days of changes: residence address, vehicle registration number, chassis/engine number, door lock/steering lock replacement, vehicle used as collateral, or key loss/duplication/damage

Coverage limited to original factory equipment

Base coverage applies only to original factory-equipped base vehicle type and its original factory-installed parts and accessories (excluding mandatory child seats), with non-factory parts covered up to 10% of loss-time value automatically

Claims notification and investigation procedures

Fire damage must be reported to firefighters; theft must be reported to police. Claims require medical documentation for injury cases. Insurer or designate arranges repairs or restoration after claim notification.

Claims notification and investigation procedures

Fire damage must also be reported to the fire brigade; theft must also be reported to the police; injury-related claims require medical documentation. After notification, the insurer or its representative arranges the vehicle inspection and repair/settlement process.