KöBE Casco (own-damage car insurance) (Lendulet Top Casco)
Underwritten by KöBE Közép-európai Kölcsönös Biztosító Egyesület · Hungary
casco (own-damage car insurance) from KöBE for the Hungary market, with online purchase.
Verified Aug 27, 2026 · Terms dated 2025-06-15Sources
Unique selling points
Depreciation-free (avulásmentes) claims settlement for passenger cars aged 0–5 years and light commercial vehicles aged 0–2 years, with no value deduction on new parts or paintwork.
For brand-new vehicles, total-loss claims within 90 days of first registration are settled at the full invoice purchase price rather than the depreciated market value.
Policyholders can choose between three deductible options (10% min. HUF 50,000 / 10% min. HUF 100,000 / 20% min. HUF 200,000) to tailor the premium to their needs.
Optional supplementary passenger accident insurance can be added for the driver and all occupants, covering accidental death, permanent disability and hospitalisation.
KöBE is a Hungarian-owned, non-profit mutual insurance association operating since 1996, serving exclusively its own members.
Coverage limits
Own damage (collision/breakage) coverage
Covered
Covers physical damage to the insured vehicle caused by any sudden external impact (breakage); the indemnity is based on the repair cost or the vehicle's market value (Eurotax/DAT) at the time of loss, not a fixed sum insured.
Total loss (write-off) coverage
Covered
Applies when repair is not economical or technically possible, or the vehicle is stolen/robbed and not recovered; indemnity equals the market value at the time of loss (Eurotax/DAT) minus the wreck value. New vehicles registered within the last 90 days are compensated at the invoice purchase price instead.
Partial loss / repairable damage coverage
Covered
Reimburses repair costs for repairable physical damage at a domestic repair shop; original/new dealer-network parts reimbursed at full retail price, aftermarket/used parts at 50% of the new part price, plus paint materials and labour per standard calculation systems.
Theft and robbery coverage
Covered
Covers theft or robbery of the locked vehicle or its parts/accessories and related physical damage; if the vehicle is not recovered, total-loss rules apply based on market value.
Glass damage coverage
Covered
Covers breakage of the front/rear windscreen and door/window glass caused by sudden external impact; repair without replacement carries no deductible, while replacement always carries a 10% deductible.
Natural hazards (elemental damage) coverage
Covered
Covers lightning, earthquake rated at least 5 on the Mercalli-Sieberg scale, landslide, rock/soil collapse, windstorm of at least 15 m/s, cloudburst, flood, inland inundation, hail, and falling snow mass/avalanche, plus fire and explosion damage.
Vandalism / malicious damage
Covered
Malicious damage caused by a sudden external act is covered under the general breakage (töréskár) peril; damage limited to advertisements or stickers on the bodywork is explicitly excluded.
Post-event transport, storage and guarding cost reimbursement
HUF 200K
Not an active 24/7 roadside-assistance service; the insurer reimburses reasonable one-off transport, storage and guarding costs incurred after an insured event, up to HUF 200,000, subject to the applicable deductible.
Replacement/courtesy vehicle
Excluded
Explicitly excluded: costs arising from loss of use of the vehicle or from obtaining a replacement vehicle (e.g. lost profit, rental car, costs of acquiring a new vehicle) are not covered.
Occupant accident insurance (optional rider)
HUF 1M – HUF 3M
Optional supplementary accident insurance for the driver and passengers, payable on accidental death, permanent disability or hospitalisation; the sum insured is selectable in 1–3 units (HUF 1,000,000–3,000,000 for death/disability; HUF 1,000–3,000 daily hospital benefit). It cannot exist independently and terminates automatically if the Casco contract ends.
Key conditions
Driver age and experience limit
No minimum driver age or driving experience requirement is specified for this Casco product.
Repair network requirements
Repairs must be carried out at a domestic (Hungarian) repair shop; the insurer reimburses costs based on the dealer-network retail parts prices, the Audatex price list and average Hungarian labour rates.
Anti-theft requirements
The vehicle must have a functioning anti-theft/security device, undamaged locks and the complete original (factory) keys throughout the contract term; the insurer is exempt from theft-claim liability if these conditions are not met at the time of the event.
Claim notification deadline
The policyholder/insured must report the insured event to the insurer within 30 days of becoming aware of it.
Deductible rules
Choosable deductible: 10% (min. HUF 50,000), 10% (min. HUF 100,000), or 20% (min. HUF 200,000), whichever is higher between the percentage and the fixed forint amount; glass replacement always carries a 10% deductible while glass repair without replacement is deductible-free; key/lock replacement reimbursements are not subject to any deductible.
Direct payment
The insurer pays the indemnity to the vehicle owner or to the person named in the contract as entitled to the service, rather than directly to the repair shop.
Territorial scope
The policy's territorial scope covers Hungary and the European member countries of the International Green Card Agreement, including Turkey.
Documents
Lendület Top Casco – Terms & Conditions (effective 2025-06-15) (opens in a new tab)
Terms & conditions · PDF
Lendület Top Casco – Full Policy Document (incl. customer information and Articles of Association) (opens in a new tab)
Terms & conditions · PDF
Casco Insurance Product Information Document (Termékismertető) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Elemental damage
Coverage for damage caused by natural hazards (lightning, earthquakes, landslides, etc.)
SourceFire and glass damage
Coverage for fire-related damage and broken glass (windshield and window glass)
SourceSection: Csomagok > Csomagok > BIZTOSÍTÁSI ESEMÉNYEK
Elemi kár Villámcsapás, 5-ös fokozatú földrengés, földcsuszamlás, kő-és földomlás, természetes üreg, talajszint alatti építmény beomlása, szélvihar, felhőszakadás, árvíz, belvíz, jég, hó, tűz és robbanás. Üvegkár Kívülről ható, hirtelen fellépő, külső hatás által, kizárólag az első-hátsó szélvédőben, ablaküvegekben és ajtók üvegeiben keletkezett törés, sérülés.
Theft and robbery
Coverage for vehicle theft and robbery
SourceSection: Csomagok > Csomagok > BIZTOSÍTÁSI ESEMÉNYEK
Lopás- és rabláskár Lezárt gépjármű vagy a gépjármű alkatrészeinek, tartozékainak ellopása, elrablása, ezekkel összefüggő rongálás, fizikai károsodás.
Lock replacement coverage
Coverage for replacement of vehicle locks due to theft or robbery attempt
SourceSection: Csomagok > Csomagok > BIZTOSÍTÁSI SZOLGÁLTATÁSOK
A kulcs és zárcserével kapcsolatban felmerült, számlával igazolt költségek 50%-át téríti, elvesztés esetén.
Audio equipment theft coverage
Coverage for theft of in-car audio equipment
SourceSection: Csomagok > Csomagok > BIZTOSÍTÁSI SZOLGÁLTATÁSOK
Kártérítés korlátozása audioberendezés lopáskára esetén Helyreállítási, pótlási költség számlával igazolt értékét. max.100.000 Ft/bizt.időszak
Transport and storage costs
Coverage for one-time reasonable costs of vehicle transport, storage, and guarding following an insured event
SourceSection: Csomagok > Csomagok > BIZTOSÍTÁSI SZOLGÁLTATÁSOK
Járulékos szolgáltatás Indokolt, egyszeri szállítási, tárolási, őrzési, költségek számlával igazolt összege, max. 200.000 Ft.
Passenger accident insurance
Optional supplementary accident insurance for occupants of the vehicle, regardless of fault
SourceVehicle security requirement
Vehicle must be equipped with functioning security alarm system, undamaged locks, and complete original keys
SourcePre-contract inspection
For used vehicles, insurer may require a condition assessment inspection before accepting coverage
SourceSection: Tudnivalók > Tudnivalók > Általánosságok, kockázatviselés
A Biztosító a használt állapotú autók biztosításához szemlét végez. Ennek alapján a Biztosító a hozzá benyújtott Ajánlatot utóbb el is utasíthatja 15 napon belül.
Eligible vehicle types
Coverage applies to passenger cars and light commercial vehicles (max 3.5 tonnes total weight)
SourceDeductible (self-insurance portion)
Policyholder bears specified portion of each claim; varies by coverage type and vehicle damage category
SourceSection: Csomagok > Csomagok > ÖNRÉSZESEDÉS
%-os, illetve Ft-ban megállapított önrész közül a magasabbat a biztosított fizeti, üveg cseréjével helyreállított üvegkár esetén 10%, javítással helyreállított üvegkár esetén nincs önrész.
Membership requirement
KÖBE operates as a mutual insurance cooperative; only provides coverage to its members
SourcePage 3Section: Ügyféltájékoztató > Melyek a legfontosabb információk a biztosítóval kapcsolatosan?
A KöBE Közép-európai Kölcsönös Biztosító Egyesület (továbbiakban: KöBE) 1996 óta egyesületi formában, non-profit elven mûködô biztosító, szolgáltatásait kizárólag saját tagjainak nyújtja.