UNION Vienna Insurance Group Insurance Ltd.
UNION
UNION is a motor casco insurance for the Hungary market with online purchase and limited assistance availability.
Direct payment
The annual premium can be paid annually, semi-annually, quarterly or monthly (monthly only with electronic contact). Payment can be made by direct debit, bank transfer, online card payment, or postal payment slip (postal slips are not available with electronic contact).
Geographic scope
Europe (specified list of countries)
Coverage applies to losses occurring in Albania, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Cyprus, Czechia, Denmark, the United Kingdom, North Macedonia, Estonia, Finland, France, Greece, the 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 City. Coverage explicitly excludes Turkey and Ukraine.
Unique selling points
- No deductible is applied when a cracked windscreen or side window is repaired rather than replaced.
- Unusually broad menu of optional riders, including rodent damage, mis-fuelling, EV charging-cable theft, child equipment and a purchase-price (new-for-old) guarantee.
- Optional 0-24 assistance service organizes and pays for on-site breakdown repair, towing, storage, return travel and a replacement car.
- No value-depreciation deduction is applied to repair costs for passenger cars and light vans within the first 3 years from first registration.
Coverage limits
Own damage / collision repair cost coverage
100% of insured sum
The insurer reimburses the invoiced repair cost of collision damage, using original manufacturer repair technology at Hungarian average price levels, up to the vehicle's replacement value.
Total loss / replacement value coverage
100% of insured sum
In case of total loss (uneconomic repair) or theft where the vehicle is not recovered, the insurer pays the vehicle's replacement value (the price of an equivalent vehicle in Hungary at the time of loss), less salvage value, capped at the used-vehicle market value.
Partial damage repair cost coverage
Covered
Repair costs for partial damage (short of total loss) are reimbursed per invoice, less the applicable deductible; the insurer applies value-increase deductions only after 3 or 6 years from first registration depending on part type.
Theft and robbery coverage
100% of insured sum
Covers theft, unauthorized taking, and robbery of the properly locked vehicle. Cover for theft risk only applies while the vehicle has a factory-installed immobilizer, and does not apply until any additionally required anti-theft device is installed and all keys are shown to the insurer.
Standalone glass damage coverage
Covered
Covers breakage or other damage to vehicle glazing caused by external force or vandalism, without damage to other bodywork parts. No deductible applies if the windscreen/side windows are repaired; if replaced, a 20% deductible applies (10% if the replacement cost does not exceed 65% of the calculated repair cost).
Natural peril / elemental damage coverage
100% of insured sum
Covers damage caused by fire, lightning, explosion, landslide, rockfall, earthquake (magnitude 5+ MSK-64), collapse of underground cavities, windstorm of at least 15 m/sec, cloudburst, flood, inland water, hail, and falling snow/ice mass.
Vandalism/malicious damage coverage
100% of insured sum
Damage to the vehicle caused by malicious acts of third parties is covered as part of the base 'töréskár' (collision damage) peril.
Roadside assistance (breakdown/accident) rider
HUF 50,000
Optional add-on providing 0-24 roadside assistance organization and cost reimbursement for breakdown/immobilization: up to 50,000 HUF domestically or 200 EUR abroad for on-site repair, plus separate limits for towing, storage, return travel and rental car organization.
Rental/replacement vehicle rider
HUF 100,000
Optional add-on reimbursing the invoiced rental cost of a same-or-lower category replacement vehicle while the insured car is being repaired following an insured event or is stolen, up to 100,000 HUF per claim and maximum 10 days.
Supplementary driver/passenger accident insurance
HUF 1,000,000
Optional add-on paying 1,000,000 HUF per insured person for accidental death (multipliable by chosen units), 110% of the death sum proportional to a permanent disability rating of at least 31%, and 100,000 HUF for injury resulting in disability of 1-30% or defined burns.
Key conditions
Driver age and experience limit
If the driver was under 25 or held a licence for less than 2 years and this was not disclosed at inception or during the term, the collision damage deductible is doubled; this surcharge does not apply to non-natural-person policyholders.
Repair network requirements
Repairs at a Hungarian brand workshop using original manufacturer technology are reimbursed in full per invoice; repairs elsewhere are reimbursed at Hungarian average price levels, and the cheapest professionally accepted repair method is used if several exist.
Territorial scope
Coverage extends across a defined list of European countries (including Hungary) but explicitly excludes Turkey and Ukraine.
Anti-theft requirements
Theft risk coverage requires a factory-installed immobilizer; the insurer may require additional devices, and cover does not start until the device is installed and all keys shown to the insurer.
Claim notification deadline
Claims must be reported without delay, and at the latest within 5 working days of becoming aware of the loss.
Deductible rules
A policy-stated deductible applies per claim; windscreen repair carries no deductible, windscreen replacement carries a 20% deductible (10% if replacement cost ≤65% of the calculated repair cost); the deductible doubles for the 3rd and subsequent collision claims in one insurance period, and also for undisclosed young/inexperienced drivers.
Where to buy
Documents
UNION Casco Trend Customer Information and Terms and Conditions (effective 2025-04-02)
Terms & conditions
UNION Casco Trend Customer Information and Terms and Conditions (insurer portal copy)
Terms & conditions
UNION Casco Trend Insurance Product Information Document
IPID
UNION Casco Trend – Declaration of acceptance of non-standard contractual terms
Other document
Policy specifics
Glass and windscreen damage coverage
Coverage for damages to vehicle glass, windshields, and related components
SourceSupplementary accident insurance for vehicle occupants
Optional supplementary coverage for vehicle driver and passengers in case of accident
SourceSupplementary rental vehicle coverage
Optional coverage providing a replacement rental vehicle during claim repairs
SourceAccident damage coverage
Core coverage for damages to the insured vehicle resulting from traffic accidents
SourceHail and weather-related damage coverage
Coverage for damages caused by hail, storms, natural events, and tree falls
SourceVandalism coverage
Coverage for damages to the vehicle caused by vandalism, malicious acts, and deliberate damage
SourceRodent damage supplementary insurance
Optional supplementary coverage for damages caused by rodents (rats, mice, etc.) to vehicle components
SourceTerritorial coverage limitations
Coverage does not extend to Turkey or Ukraine; territorial scope limited to specified regions
SourceBonus-Malus discount system
Premium discount/increase system based on no-claims history and accident record of the policyholder
SourceDeductible (own-risk) structure
Policyholder assumes specified percentage or minimum amount of each covered loss
SourcePremium payment frequency options
Multiple payment frequency and method options available to policyholders
SourceVehicle eligibility requirements
Policy applies only to registered passenger cars and small commercial vehicles up to 15 years old
SourcePolicyholder eligibility
Policy may be concluded by vehicle owner or any person with insurable interest in the vehicle; contract may be written for owner's benefit
SourceMulti-product bundling and loyalty discounts
Discounts available for bundling with other UNION policies and for existing UNION contract holders
SourceClaims reporting and notification procedures
Written or electronic claim notification required; specific contact methods and documentation procedures apply
SourceContract duration and renewal
Contracts are concluded for indefinite duration with one-year insurance periods; annual anniversary date is January 1st
SourceConsequences of premium payment default
Contract may terminate if premium payment is not made within specified grace period
Source