Posta Biztosító Casco (own-damage car insurance) (Postacasco)
Underwritten by Magyar Posta Biztosító Zrt. · Hungary
casco (own-damage car insurance) from Posta Biztosító for the Hungary market, with online purchase.
Verified Aug 27, 2026 · Terms dated 2025-07
Unique selling points
Discounted maintenance and repair costs at 23 PostaAutó Duna Zrt. workshops nationwide, regardless of whether a claim is made.
No special anti-theft device is required to take out the policy — the factory-fitted immobiliser is sufficient.
Windscreen repair is reimbursed in full with no deductible, unlike the standard deductible applied to other claims.
Three selectable deductible levels (from HUF 50,000) let customers tune the balance between premium and out-of-pocket cost, adjustable at each renewal.
Coverage limits
Own damage (collision/töréskár) cover
Covered
Covers sudden, accidental damage to the insured vehicle caused by an external force (töréskár). There is no fixed sum insured; indemnity is based on repair cost or, for total loss, the vehicle's market value at the time of loss determined via an internationally recognised valuation catalogue.
Total loss cover
Covered
A vehicle is treated as a total loss if repair is uneconomical (repair cost exceeds 70% of the pre-loss market value) or technically unjustified, or if the vehicle is stolen/robbed and not recovered before the claim is settled. The insurer pays the difference between the market value at the time of loss and the wreck (salvage) value.
Partial damage / repair cost cover
Covered
If the vehicle is repairable, the insurer reimburses the repair cost based on an invoiced repair with new parts at an authorised brand workshop, or on an Audatex-based calculation, less the applicable deductible.
Theft and robbery cover
Covered
Covers theft of the whole vehicle, part-theft of insured accessories, and robbery, provided the vehicle was properly locked and the alarm/immobiliser was operational and activated. Robbery is covered only within Hungary; theft is covered within the general territorial scope.
Windscreen/glass settlement rule
Covered
Glass damage is not a separately named insured event but is settled as part of töréskár: if windscreen repair is possible, the insurer covers the full repair cost with no deductible; if replacement is necessary, the insurer reimburses the replacement cost less a 10% deductible.
Natural perils (elemi kár) cover
Covered
Covers damage caused by lightning, explosion, landslide, rockfall, collapse of natural cavities or underground structures, windstorm of at least 19 m/s, cloudburst, earthquake, flood, inland inundation, hail, falling snow mass and snow pressure, as well as fire/explosion from electrical faults or external fire spreading to the vehicle.
Vandalism
Conditional
Vandalism is not listed as a separately named insured event. Damage from a sudden external force (e.g. deliberate scratching or denting by a third party) may be covered as töréskár, and damage during an attempted break-in/theft is covered as part-theft, but there is no standalone 'vandalism' peril in the conditions.
Towing and temporary repair cost cover
HUF 300K
The insurer reimburses the necessary one-off cost of towing the damaged vehicle to the nearest suitable workshop, or of temporary repair, up to a limit of HUF 300,000 per claim (Hungary or abroad). The töréskár deductible is deducted from this reimbursement.
Replacement vehicle
Excluded
The insurer's service explicitly does not extend to any cost of a substitute vehicle (temporary or permanent) for the damaged, stolen or robbed insured vehicle.
Key conditions
Driver age and experience limit
The terms and conditions do not specify a minimum driver age or driving-experience requirement.
Repair network requirements
There is no obligation to use a specific repair network; the policyholder may choose any authorised brand workshop. However, PostaCasco customers receive a discount on service and repair costs at the 23 PostaAutó Duna Zrt. workshops nationwide, independent of claims.
Anti-theft requirements
No special anti-theft device is required for underwriting; the factory-fitted protection (e.g. immobiliser) is accepted. However, for a theft claim to be paid the vehicle must have been properly locked with all door/lock seals intact, and the alarm/immobiliser must have been operational and activated at the time of the event.
Claim notification deadline
Claims must be reported without delay, but no later than 10 working days after the event, via the insurer's website/app, phone, or e-mail.
Deductible rules
The policyholder chooses one of three deductible options at inception: 10% (min. HUF 50,000), 10% (min. HUF 100,000), or 10% (min. HUF 200,000). The deductible is deducted from every claim payment (subject to exceptions listed in the conditions); windscreen replacement always carries a fixed 10% deductible regardless of the chosen option.
Direct payment
The insurer pays claims in Hungarian forints via postal money order or bank transfer to the vehicle owner (or, with the owner's written consent, to the registered operator), except where a lien is registered, in which case payment is made to the lienholder. For repairs, the policyholder may choose reimbursement based on an invoiced repair at an authorized Hungarian brand workshop using new parts, or based on a calculation under the current Hungarian Audatex catalogue.
Territorial scope
Coverage applies to insurance events occurring in Europe and the European territory of Turkey, but not to the territory of the former Soviet Union except Estonia, Latvia and Lithuania. Robbery (rabláskár) is covered only within Hungary.
Documents
PostaCasco Terms and Conditions (current edition, F 135031 12 2507) (opens in a new tab)
Terms & conditions · PDF
PostaCasco Insurance Product Information Document (termékismertető, 2020 edition) (opens in a new tab)
Product information sheet · PDF
PostaCasco official product information page (opens in a new tab)
Other document · PDF
Policy specifics
Luggage and personal belongings insurance
Coverage for personal belongings within the insured vehicle up to 50,000 HUF per insurance year, up to once per year
SourcePreferred repair network discount
Policyholders receive discounts at PostaAutó Duna Zrt. repair centers (23 locations nationwide) for maintenance and repairs, regardless of claims
SourceNew parts replacement without depreciation
In case of partial damage, damaged parts are reimbursed at full new value without depreciation (except for wear-and-tear parts and previously improperly repaired elements)
SourceNo special anti-theft device requirement
The insurer does not require special anti-theft devices; factory-installed protections (e.g., immobilizer) are sufficient
SourceClause 1.3.3Page 8Section: III. Biztosítási feltételek > 1. A biztosítás tárgyi hatálya > 1.3. Biztosítási események > 1.3.3. Lopáskár (teljes gépjármű lopása)
a riasztó vagy a lopásgátló (indításgátló) üzemképes és aktivált (bekapcsolt) állapotban volt;
Maximum vehicle age
PostaCasco can be concluded for vehicles up to 10 years old that are listed in the insurer's manufacturer list
SourceClause 1.1Page 7Section: III. Biztosítási feltételek > 1. A biztosítás tárgyi hatálya > 1.1. A biztosított jármű és az egyéb biztosított vagyontárgyak
ha a jármű az ajánlattétel időpontjában 10 éves vagy annál fiatalabb, továbbá a jármű kötelező gépjármű felelősségbiztosításának bonus-malus osztályba sorolása A00 vagy annál magasabb, továbbá, ha a jármű valós futásteljesítménye nem haladja meg a 200 ezer kilométert.
Bonus-Malus classification requirement
The vehicle's mandatory liability insurance bonus-malus classification must be A00 or higher
SourceClause 2.1Page 8Section: III. Biztosítási feltételek > 2. Biztosított, szerződő, biztosítási szolgáltatás jogosultja > 2.1. Biztosított, szerződő
Ha a biztosított az ajánlat aláírásakor nem tudja igazolni a jármű bonus-malus fokozatát, akkor a biztosítási szerződés az A00 besorolásnak megfelelő díjjal jön létre. Hiánypótlás az ajánlattételtől számított 60 napon belül megtehető...
Deductible choice options
Customers choose one of three deductible options (10%, min. HUF 50,000 / 100,000 / 200,000) to adjust the premium.
SourceClause 8.6Page 14Section: III. Biztosítási feltételek > 8. A biztosítási szolgáltatás és annak korlátozása > 8.6. Önrész
A biztosítási szerződésben az alábbi önrészek szerepelhetnek: ► 10%, de minimum 50 000 Ft ► 10%, de minimum 100 000 Ft ► 10%, de minimum 200 000 Ft.
Posta Biztosító Casco (own-damage car insurance)