UNIQA

driver_age_experience_limit

Double deductible applies if the driver obtained their driving licence within 2 years prior to the date of loss. No minimum age restriction is stated, but the double deductible rule effectively penalises inexperienced drivers.

repair_network_requirements

For the standard deductible to apply, repairable damage must be repaired at one of the UNIQA-designated repair shops. If the insured chooses a non-network repairer, the insurer doubles the applicable deductible. Repairs at non-authorised dealerships are reimbursed using average market labour rates and catalogue parts prices (Audatex, Eurotax, DAT).

territorial_scope

Coverage applies throughout Europe and Turkey (specific list of countries). Coverage explicitly excludes Belarus, Moldova, the Russian Federation, and Ukraine.

anti_theft_requirements

Theft coverage requires the vehicle to be equipped with a functioning, activated, and properly applied anti-theft device as specified in the policy at the time of the theft. The vehicle must be properly locked; keys must be securely stored; the registration certificate (törzskönyv) must not be left in the vehicle. For high-value vehicles, a MABISZ BEA-class GPS tracking system may be required.

claim_notification_deadline

Claims must be reported within 2 working days via the UNIQA online claim form (https://www.uniqa.hu/karbejelentes) or by phone (+36 1 544-5555). If reported by other means within the 2-working-day period, the double deductible applies. If notification is delayed and material circumstances become unascertainable, the insurer's obligation to pay does not arise. Fire/explosion must also be reported to the fire authority; theft/vandalism to the police.

deductible_rules

The deductible is expressed as a percentage plus a minimum fixed HUF amount. The higher of the two always applies. The standard deductible is waived for: (a) glass-only damage repaired by replacement; (b) lock repair/replacement for theft prevention after key loss. The deductible is doubled when: (1) the claim is not reported online or by phone to UNIQA; (2) repairs are not carried out at a UNIQA network shop; (3) the driver's licence was obtained within 2 years of the loss; (4) a previous claim was paid in the same policy year; (5) the policyholder cannot account for the vehicle registration certificate after a theft loss. Deductible discount system (bonus): up to 50% premium discount after 10+ claim-free years (steps of 5% per year). 1 claim reduces the bonus by 4 steps; 2 claims by 8 steps; 3+ claims resets to A0.

Deductible percentage

Customers can select deductible percentage (typically 10-20% or 30%) affecting the insurance premium

Depreciation-free service (avulásmentes)

Automatic depreciation-free service for vehicles up to 8 years old, with no additional costs except deductible during repairs

AutoHelp supplementary service

Optional add-on service providing vehicle assistance, foreign legal aid protection, accident insurance for passengers, and baggage insurance

Vehicle assistance and roadside help

Covers transport to nearest service center (max 20,000 HUF domestic, 200 EUR foreign), vehicle inspection (max 15,000 HUF domestic, 250 EUR foreign), accommodation and repatriation

Supplementary accident insurance for vehicle occupants

Provides financial support for accidental death or permanent health damage of vehicle occupants, with selectable death benefit (500,000, 1 million, or 2 million HUF)

Baggage and personal property insurance

Covers items transported in the insured vehicle up to specified limit

Foreign legal aid and protection

Covers legal costs if insured is held liable for traffic violation or negligence abroad following an accident, including attorney fees (specific limits apply)

Electronic claim notification requirement

E-Optimum variant requires claim notification via online claim form or phone to apply full deductible; other notification methods may incur double deductible penalty

Anti-theft protection requirement

Theft coverage requires vehicle to have minimum security: factory immobilizer or MABISZ-certified aftermarket AE-class immobilizer; high-value vehicles require MABISZ BEA-class GPS tracking system

Casco bonus system based on claim-free years

Discount scale based on consecutive claim-free years: 5% (1 year), 10% (2 years), 15% (3 years), 20% (4 years), 25% (5 years), 30% (6 years), 35% (7 years), 40% (8 years), 45% (9 years), 50% (10+ years); 3+ claims reset bonus

Territorial coverage scope

Coverage valid in Europe and Turkey; excludes Belarus, Moldova, Russian Federation, and Ukraine

Total loss declaration criteria

Total loss is declared when repair costs plus residual damage value exceed vehicle market value minus scrap value; insurer performs official inspection and covers inspection costs

Claim settlement timeline

Expert contact within 2 working days of claim notification; expert inspection within 3 working days of scheduling; payment within 15 days of receipt of last required document (for theft claims, from suspension of investigation decision and vehicle deregistration decision)

Gross negligence claim handling restriction

Insurer exempt from payment if loss caused by intentional conduct or gross negligence; gross negligence includes improper vehicle operation or neglected maintenance condition