UNION

driver_age_experience_limit

A surcharge (pótdíj) applies if the vehicle is driven by a person under 25 years of age. Additionally, the deductible is doubled for collision claims if the driver is under 25 and this was not disclosed to the insurer at policy inception or during the term, or if the driver obtained their driving licence less than 2 years prior to the accident. The doubled deductible applies only to natural persons.

repair_network_requirements

The insurer reimburses the cost of repairs carried out at a Hungarian brand-authorised (márka)service workshop at average Hungarian market rates per factory repair technology, supported by invoice. If repair is performed at a non-branded workshop, Hungarian average market rate invoiced costs are reimbursed. If multiple equally valid repair methods exist, the insurer pays for the least costly method. For pyrotechnic and electronically operated passenger safety devices (airbags, etc.), material costs are only reimbursed based on a specialist workshop invoice. The insurer may inspect the vehicle before or after repairs.

territorial_scope

Coverage applies to losses occurring in Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, Czech Republic, Denmark, United Kingdom, North Macedonia, Estonia, Finland, France, Greece, Netherlands, Croatia, Ireland, Iceland, Kosovo, Poland, Latvia, Liechtenstein, Lithuania, Luxembourg, Hungary, Malta, Monaco, Montenegro, Germany, Norway, Italy, Portugal, Romania, San Marino, Spain, Switzerland, Sweden, Serbia, Slovakia, Slovenia, and Vatican. Coverage does NOT extend to Turkey or Ukraine (explicit deviation from standard practice).

anti_theft_requirements

Theft cover (lopáskár) is only provided if the vehicle has a factory-installed immobilizer. The insurer may also require installation of a specific security device. If the required security device is not present at policy inception, or if the policyholder cannot present all vehicle keys to the insurer's representative at the time of application, theft coverage does not apply until the device is installed or the keys are presented. The policyholder must replace all locks if keys or key cards were obtained by unauthorized persons. Lock replacement costs (50% of invoiced amount) are reimbursed after returning the old locks/keys. Theft coverage is suspended until lock replacement is complete.

claim_notification_deadline

The insured must report the loss immediately upon occurrence but no later than 5 working days from discovery to the insurer in writing, by phone, electronically, or online. For claims abroad where the vehicle is immobilized, immediate notification is required by calling (+36-1) 486-4343. For accidents involving fire or explosion, the fire brigade must be notified; for theft, robbery, or vandalism, a police report must be filed and evidenced. For the supplementary accident insurance, the claim must be reported in writing within 30 days. For supplementary baggage or loan car insurance, within 8 days.

deductible_rules

The deductible amount is stated in the policy. The standard deductible is 10% of the loss amount (including ancillary costs). Options typically include fixed minimum deductible amounts of HUF 60,000, HUF 120,000, or HUF 240,000. For standalone glass damage with repair: no deductible. For glass replacement on passenger cars and trucks up to 3,500 kg: 25% deductible (10% if replacement cost does not exceed 65% of the calculation programme value). For buses with 30+ seats: 50% deductible regardless of chosen deductible. Third and subsequent breakage (töréskár) claims within one policy period: deductible is doubled. If the driver is under 25 years and not disclosed, or holds a licence for less than 2 years: deductible is doubled for breakage claims. The insurer reimburses third-party-liability depreciation adjustments without deductible. Accident insurance benefits are paid without deductible.

Theft coverage

Optional coverage for vehicle theft that can be excluded via rider clause

Standalone glass damage coverage

Optional coverage for standalone glass breakage that can be excluded via rider clause

Supplementary accident insurance

Optional coverage up to 5 million HUF for injury to vehicle occupants in accidents covered by casco

Misfueling coverage

Coverage up to 50,000 HUF for repair costs due to incorrect fuel type in the tank

Baggage coverage

Optional coverage for luggage/cargo in trunk against breakage, theft, or natural disaster

Rental vehicle coverage

Optional coverage for rental/borrowed vehicle costs when the insured vehicle is being repaired or in case of total loss

Supplementary assistance coverage

Optional coverage for vehicle towing, storage, and travel assistance when vehicle breaks down or is involved in an accident

Rodent damage coverage

Optional coverage for damage caused by rodents and other animals to the vehicle

Deductible increase for multiple breakage claims

Deductible increases for third and subsequent breakage claims within a policy year

Vehicle age limit

UNION Casco Trend can only be taken out for vehicles maximum 15 years old at time of policy inception

Geographical scope of coverage

Coverage excludes Turkey and Ukraine; valid in Europe (excluding Asian territories of FSU countries, Georgia, and Turkey)

Bonus-malus system

Claims history affects premium; new policyholders start in C0 class; claim-free period improves class

Deductible options

Base deductible is 10% but options available: 60,000 HUF, 120,000 HUF, or 240,000 HUF minimum

Total loss definition

Vehicle is total loss when repair cost exceeds vehicle value or when vehicle is technically unrepairable

Sanctions and embargo exclusion

Insurer not obligated to pay claims when coverage would breach UN, EU, UK, or US sanctions, embargoes, or economic sanctions

Premium payment default - non-consumer contracts

For non-consumer contracts, coverage terminates 30 days after premium due date if unpaid and no court proceedings initiated