UNIQA Biztosító Zrt.
UNIQA
UNIQA is a motor casco insurance for the Hungary market with online purchase and limited assistance availability.
Direct payment
For repairable damage handled through UNIQA-authorized repair partners, the insurer settles directly with the workshop and the customer only pays the contracted deductible; using an unauthorized workshop or improper claim notification channel results in the deductible being doubled.
Geographic scope
Europe and Turkey
Coverage applies throughout Europe and Turkey, excluding the Republic of Belarus, the Republic of Moldova, the Russian Federation and Ukraine.
Unique selling points
- E-Optimum Casco can be concluded 100% online with up to 15% combined discount for online conclusion and e-communication.
- No depreciation is deducted from repair costs for vehicles up to 8 years old, so new-part repairs are reimbursed as if the car were new.
- Full Casco coverage is offered for electric and plug-in hybrid vehicles, not just conventional combustion-engine cars.
- Customers can individually customize the deductible level, directly influencing their annual premium.
- Claim-free years are rewarded with bonus discounts on top of the standard bonus-malus system.
Coverage limits
Collision / own damage (töréskár)
Covered
Covers sudden, accidental, externally-caused breakage or damage to the insured vehicle, technically identifiable with the reported event; compensation is based on the vehicle's market value at the time of loss, not a fixed sum insured.
Total loss (totálkár)
Covered
Applies when the vehicle is completely destroyed, disappears, or repair is no longer economically justified because repair and related costs plus remaining value loss exceed the vehicle's market value minus salvage value; the insurer pays the replacement value less salvage value.
Partial damage repair costs
Covered
Repairable damage is compensated based on the invoiced repair cost from an authorized workshop, after deduction of the contracted deductible; up to 8 years of vehicle age, no depreciation is deducted from new-part repair costs.
Theft and robbery damage (lopás- és rabláskár)
Covered
Covers theft, unauthorized taking or robbery of the insured vehicle or its insured built-in parts and accessories, including damage caused during a theft attempt; does not apply if the insured voluntarily lent or rented out the vehicle and it was subsequently misappropriated.
Glass damage (windscreen, windows)
Covered
Covers breakage or damage to the vehicle's front and rear windscreens, side windows and roof window caused by any sudden, accidental external force or vandalism; no depreciation is ever deducted for glass repair costs, regardless of vehicle age.
Elemental damage (weather/natural events)
Covered
Covers damage from earthquake (Mercalli-Sieberg grade 5+), landslide, rockfall, subsidence, windstorm of at least 15 m/s, cloudburst, flood, inland water, hail, falling snow mass, fire and lightning strike.
Vandalism
No limit stated
No standalone vandalism peril is separately named in the E-Optimum Casco product materials reviewed; malicious damage to glass is referenced only within the glass-damage clause.
AutoHelp roadside and legal assistance
Optional
AutoHelp (vehicle roadside assistance plus foreign legal-protection assistance for passenger-car travelers) is available only as a paid add-on to E-Optimum Casco, unlike Multi Casco Plus where it is a built-in, no-extra-cost component.
Replacement vehicle
No limit stated
No replacement-vehicle benefit was found documented for E-Optimum Casco in the reviewed sources.
Driver/occupant accident insurance
Optional
Accident insurance for vehicle occupants (Balesetbiztosítás) is offered as a separately-priced optional add-on to E-Optimum Casco, alongside optional supplementary domestic luggage insurance.
Key conditions
Driver age and experience limit
If the person driving the vehicle at the time of loss obtained their driving licence within the previous 2 years, this is treated as a circumstance that can lead to a doubled deductible under the policy's aggravating-factor rules.
Repair network requirements
Repairable damage must be repaired at a workshop from UNIQA's authorized repair-partner network for the contracted deductible to apply; using a non-partner workshop can lead to the deductible being doubled.
Territorial scope
The policy covers events occurring in Europe and Turkey, excluding Belarus, Moldova, Russia and Ukraine.
Anti-theft requirements
No specific anti-theft device mandate is published for E-Optimum Casco; the general loss-prevention (kármegelőzés) duty applies, and vehicle theft must be reported to the police as part of claims cooperation.
Claim notification deadline
The claim must be reported within 2 business days, in person, by phone, e-mail, or via the UNIQA website/online claim form, so that only the contracted deductible (not a doubled amount) applies.
Deductible rules
The deductible is set both as a percentage and as a fixed minimum HUF amount; whichever produces the higher amount is applied per claim; the deductible is doubled if the claim is not reported via the proper channel or repair is not done at an authorized partner, and can be tripled if both grounds apply simultaneously.
Where to buy
Policy specifics
Theft and break-in damage (lopáskár)
Coverage for theft of the vehicle or its parts, and damage caused during theft attempts or break-ins
SourceElemental damage (weather-related)
Coverage for damage caused by natural disasters and weather events such as hail, storm, flooding
SourceDepreciation waiver for vehicles up to 8 years old
Vehicles up to 8 years old are covered without depreciation deduction (wear and tear not deducted from repair costs for new parts)
SourceClaim notification requirements
E-Optimum Casco requires claim notification via online system or phone (within specified timeframe) to receive the contracted deductible; Multi Casco Plus allows additional notification through authorized repair partners
SourceAuthorized repair partner requirement
For claims to be valid, repairable damage must be repaired through UNIQA-authorized service partners; failure to do so may result in higher deductible or claim denial
SourceTerritory coverage
E-Optimum Casco covers events in Europe and Turkey; Multi Casco Plus covers broader European territory plus Turkey, excluding Belarus, Moldova, Russia, and Ukraine
SourceClaim payment timeline
UNIQA pays compensation within 15 days from the date when the last required document for claim assessment is received by the insurer
Source