K&H
K&H is a motor casco insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer pays the recognized compensation amount within 15 days of receiving the last document required for claims settlement. In total loss cases where the entire vehicle was stolen, payment is made within 15 days of receiving the police investigation closure order. Deductible is subtracted from the damage amount per claim event, with the exception of natural peril losses and vehicle recovery/transport/storage costs. The insurer pays in Hungarian forint only.
Geographic scope
HU
Európa földrajzi területe (Albania, Andorra, Anglia, Ausztria, Belgium, Bosznia-Hercegovina, Bulgária, Ciprus, Csehország, Dánia, Észak-Írország, Észtország, Fehéroroszország, Finnország, Franciaország, Görögország, Hollandia, Horvátország, Írország, Izland, Lengyelország, Lettország, Liechtenstein, Litvánia, Luxemburg, Macedónia, Magyarország, Málta, Moldova, Monaco, Montenegró, Németország, Norvégia, Olaszország, Oroszország (európai rész), Portugália, Románia, San Marino, Skócia, Spanyolország, Svájc, Svédország, Szerbia, Szlovákia, Szlovénia, Törökország (európai rész), Ukrajna, Vatikán, Wales). Autobúsz kategoriában kizárt: Moldova, Fehéroroszország, Oroszország, Ukrajna.
Unique selling points
- Aftermarket accessories up to 10% of vehicle value are automatically covered at no extra premium, with additional coverage available via add-on for higher values.
- Vandalism (intentional damage by third parties) and rodent damage are explicitly included in the base collision/breakage peril (töréskár) at no additional cost.
- Natural peril claims (storm, hail, flood, earthquake etc.) are exempt from any deductible, providing full net payout on elemental losses.
- New vehicle owners (within one year of first registration) can claim original purchase price instead of depreciated market value in the event of total loss.
- 24/7 European roadside assistance (K&H Cascoszerviz 24) is available as an add-on providing towing, storage, and return journey support across all listed European countries.
Coverage limits
Own damage (collision/breakage)
Covered
Covers all damage caused by accidental, sudden, external, involuntary force to the insured vehicle, including intentional damage by third parties and rodent damage. Compensation is capped at the insured sum (vehicle gross new value). For repairable damage, the insurer pays the actual repair cost at Hungarian average price levels; total loss is compensated at the Hungarian domestic market value at the time of loss based on Autovista database. The insured sum equals the vehicle’s gross new value.
Total loss
Covered
A vehicle is considered a total loss when repair costs reach or exceed 80% of the vehicle’s Hungarian domestic market value at the time of loss, or when the entire vehicle has been stolen and not recovered. Total loss compensation is paid at the Hungarian domestic market value at the time of loss as per the Autovista database. Within one year of first registration, the first owner is entitled to reimbursement of the original purchase price (invoice), not exceeding the Autovista new-value at the time of loss. The salvage (wreck) value is deducted from the settlement; the wreck remains the insured’s property.
Partial loss (repairable damage)
Covered
For repairable damage, the insurer covers the actual repair cost at Hungarian average price levels as supported by Audatex (or Autovista/DAT) repair cost calculation. For cars and light trucks up to 3,500 kg, the Audatex system is the primary tool. Where a component is not economically repairable, new part replacement cost is covered (at Audatex part price). Recovery, transport and storage costs within Hungary are covered (limit HUF 800,000 per event also for abroad); deductible is not applied to recovery/transport/storage costs.
Theft and robbery
Optional
Optional coverage for theft, robbery and unauthorized use (excluding fraud and embezzlement) of the properly locked vehicle. Also covers damage caused to vehicle components and accessories during theft or attempted theft. Total vehicle theft requires police report and a police investigation closure order before settlement. The vehicle must comply with minimum anti-theft requirements (original factory lock set and immobilizer). Rental vehicle total theft during the rental period is excluded. Permanently or temporarily rented out vehicles are excluded from total theft coverage.
Glass damage
Covered
Glass damage (windscreen, side and rear windows) is covered under the collision/breakage peril. For standalone glass-only damage (independent glass claim), only the percentage-based deductible chosen by the policyholder applies, without the minimum fixed deductible amount. Replacement obligation only applies if the cracked glass cannot be repaired under traffic regulations. Bonded glass windows: replacement is only required if the broken glass is not repairable per regulatory roadworthiness rules.
Natural perils (elemental damage)
Covered
Covers damage caused by fire, explosion, lightning strike, windstorm (minimum 54 km/h), earthquake (minimum grade 5 on European Macroseismic Scale), landslide, rock/soil fall, natural or artificial cavity collapse, cloudbursts, flooding, internal flooding, other water inundation, hail, and falling snow masses. No deductible is applied to natural peril claims. Fire and explosion claims caused by unauthorized vehicle modification or operation are excluded.
Vandalism
Covered
Intentional damage caused by a third party is explicitly included in the definition of collision/breakage peril (töréskár). No separate coverage or add-on is required.
Roadside assistance (K&H Cascoszerviz 24)
Optional
Optional add-on (K&H Cascoszerviz 24) providing 24/7/365 emergency roadside assistance across Europe for insured passenger cars and light trucks (up to 3,500 kg GVW) when immobilized due to a covered loss event or total theft. Services include towing/recovery (domestic and European), vehicle storage up to 3 days, return journey assistance (up to 2nd class rail fare), phone claim registration, and language interpretation. Provided by Europ Assistance Hungary Kft. Services can also be used for fee by non-insured breakdowns. Contact: domestic +36 80 222 984, abroad +36 1 465 3658.
Replacement vehicle
Excluded
The policy explicitly excludes coverage for temporary or complete replacement of a damaged vehicle or the cost of such replacement (section 2.12.3). Hire car arrangement is available as a fee-based service via K&H Cascoszerviz 24, but is not included in the insured coverage.
Driver and passenger accident insurance
Optional
Optional add-on (K&H Balesetbiztositás). Covers the driver and passengers of the insured vehicle for accidental death, permanent disability (partial or total, 1%–100%), and temporary (transient) injury. Base sums: death HUF 700,000 (up to 2.5x); 100% permanent disability HUF 1,400,000 (up to 2.5x); 1–10% permanent disability or transient injury HUF 7,000 (up to 2.5x multiplier). Coverage is linked to the vehicle’s operation, preparation, maintenance and passenger boarding/alighting. Applies to passenger cars (driver and all passengers) and buses/trucks (driver and up to 2 companions).
Key conditions
driver_age_experience_limit
No minimum driver age or driving experience requirement is stated in the policy terms. Coverage applies to vehicles driven by any person lawfully entitled to do so. The insurer is exempt from payment if the loss occurred while the vehicle was driven without a valid driving licence, or if the insured/policyholder permitted such a person to drive.
repair_network_requirements
For passenger cars and light trucks (up to 3,500 kg GVW), repair cost is calculated primarily using the Audatex cost calculation system (Autovista and DAT systems are also accepted). The insurer pays the repair cost at Hungarian average price levels as evidenced by invoice. For vehicles repaired abroad, the insurer pays at the foreign workshop’s applicable hourly rate for passenger cars and light trucks; for other vehicle categories, the Hungarian average repair cost is applied. The insurer does not mandate use of a specific repair network; the insured may use any workshop.
territorial_scope
Coverage applies across the geographical territory of Europe (listed countries including Russia European part up to the Ural mountains, Turkey European part up to the Bosphorus-Dardanelles-Sea of Marmara). For bus vehicle category, coverage does not extend to Moldova, Belarus, Russia, and Ukraine. Any deviation from this territorial scope is only valid if explicitly stated in the special conditions or the policy document.
anti_theft_requirements
For passenger cars and light trucks (up to 3,500 kg GVW), minimum anti-theft requirements are: (1) original factory lock set, and (2) an immobilizer (factory-fitted passive electronic immobilizer as evidenced by Autovista data; non-factory immobilizers must be certified by the MABISZ Property Protection Committee). For buses, trucks over 3,500 kg, road tractors and agricultural tractors, the minimum is the original factory lock system. The policyholder must declare at policy inception how many mechanical/electronic keys and control devices the vehicle has. If a key is lost/stolen, the entire lock set and electronic protection system must be replaced at a specialist workshop.
claim_notification_deadline
The insured must report the loss event immediately, but no later than 2 business days from the date of becoming aware of the event, in writing or by telephone to the insurer. For theft, the report must also be filed with the competent police authority. For fire or explosion, notification must also be given to the fire authority. Failure to report within this deadline may result in the insurer being released from its payment obligation if key facts become impossible to establish.
deductible_rules
The deductible is selected by the policyholder (as a percentage and a fixed amount; the higher of the two applies per claim event). For standalone glass damage (window breakage only), only the percentage-based deductible applies (no fixed minimum), except for buses. Natural peril losses are exempt from any deductible. Vehicle recovery, transport and storage costs are also exempt from deductible. For vehicles subject to mandatory inspection that have not yet been inspected: deductible is 30% of loss, minimum HUF 1,000,000 (theft coverage is excluded during this period). Lock replacement (section 2.6.4) is reimbursed up to HUF 150,000 after percentage deductible.
Where to buy
Policy specifics
Electric vehicle charging equipment coverage
Coverage for damage to charging cables and wallbox installations on electric or plug-in hybrid vehicles
24-hour casco roadside service
24/7 emergency roadside assistance service coordinating vehicle recovery and repairs across Europe
Non-factory accessories coverage
Coverage for aftermarket accessories and non-original equipment up to 10% of vehicle loss-time value
Mandatory inspection for premium vehicles
Vehicles with original gross value exceeding HUF 15 million must undergo mandatory inspection before coverage begins
New vehicle definition
A new vehicle is defined as one with less than 100 km on the odometer and where the first owner applies for CASCO coverage
Bonus-Malus claim-free discount system
Rating system for cars and light trucks (up to 3,500 kg) with base class, 10 bonus classes and 4 malus classes affecting premium
Geographic coverage - Europe only
Insurance coverage is limited to Europe's geographic territory including specific exclusions for bus category (Moldova, Belarus, Russia, Ukraine)