Allianz

territorial_scope

The MTPL cover is valid in all EEA member states, Switzerland, and Green Card system countries with which the Hungarian National Bureau has a bilateral agreement under the Internal Regulations, except Belarus and Russia. The legal assistance and assistance covers apply to a defined list of European countries (including all EU/EEA states, UK, Balkans, Turkey-European part only, Switzerland, etc.). The traffic accident cover is valid worldwide.

green_card_rules

A Green Card is issued on request and can only cover periods for which the premium has been paid. If the policyholder has only paid a partial premium and the paid period is shorter than 60 days from the due date, the Green Card may be issued up to the 60th day from the due date. Vehicles restricted to domestic use cannot have a Green Card issued. As of 1 January 2025, the Green Card may be presented electronically (PDF) on a portable device.

driver_restrictions

The MTPL policy covers any person driving the insured vehicle with the operator's permission. There are no age or named-driver restrictions for MTPL. The insurer has a right of recourse against: (a) drivers who drove without the operator's or authorised user's permission; (b) drivers under the influence of alcohol or substances impairing driving ability; (c) drivers without a valid driving licence; (d) operators who allowed such persons to drive; (e) operators whose vehicle was in a seriously neglected technical condition.

claim_notification_deadline

MTPL claims where the policyholder/insured is the at-fault party must be reported within 5 business days. If the policyholder/insured is the injured party, the claim must be reported within 30 days. Failure to report an MTPL claim within 5 business days may result in partial or total denial of coverage to the extent the insurer's payment obligation was affected. For casco and other coverages, claims must be reported promptly (in principle within 24 hours as a rule), preserving the damage condition until assessment.

bonus_malus_rules

The MTPL premium is classified under Hungary's mandatory bonus-malus system (21/2011 NGM Decree), consisting of A00 base class, B1–B10 bonus classes and M01–M04 malus classes. New entrants start at A00. The classification improves by one class each year if no claim is paid, provided the vehicle had cover for at least 270 days in the preceding period. Each at-fault claim triggers a downgrade according to the statutory table. The bonus-malus classification is personal (attached to the policyholder) and can be transferred to another vehicle of the same category within 2 years of policy termination. The insurer verifies classification against the central claims history registry between days 15–30 of the insurance period, with final classification by day 45.

Casco insurance coverage

Optional comprehensive vehicle damage coverage available in Plus, Extra, and Max packages, covering natural catastrophes, theft, vandalism, and breakage depending on package level

Legal assistance coverage

24/7 telephone legal advice and lawyer recommendation in case of legal disputes following car accidents, criminal and administrative proceedings, warranty and guarantee issues

Roadside and technical assistance

On-site technical assistance with towing to nearest repair shop, passenger transport, battery assistance, and information services in case of accident, breakdown, or technical failure

Purchase price protection insurance

Covers difference between original purchase price and damage value if vehicle is stolen or total loss within 12 months of first registration, up to 30% of original value and max 6,000,000 HUF

Traffic accident driver coverage

Covers driver death or permanent disability (over 30% EMS scale) caused by traffic accident within one year or two years respectively

Green card requirement for international travel

Green card requirement varies by country; not required in most EU countries but may be required for certain destinations like Bulgaria, Greece, Ukraine, or Russia

Claim notification timing requirements

MTPL claims must be reported within 5 working days; casco and other claims must be reported promptly to mitigate damage and preserve condition

Bonus-malus no-claims discount system

Premium classification system based on claim history; categories range from A00 (best) to malusz categories depending on losses within 6-year period

Multiple policy bundle discount

Discount on MTPL premium if customer holds other Allianz products (home, life, health insurance or comprehensive casco); applicable to casco premiums if MTPL exists

Mileage-based premium adjustment

Policyholder can declare annual mileage when concluding MTPL contract or 60 days before anniversary for better premium based on expected annual mileage multiplier

Online contract conclusion discount

10% automatic discount when contract is concluded on allianz.hu website; additional 5% discount available for Max package with both MTPL and Casco

Four-tier package structure

Allianz Autóm available in four packages: Comfort (mandatory MTPL with basic services), Plus (adds natural catastrophe casco), Extra (adds theft and vandalism), Max (full casco plus all additional coverages)

Authorized repair network availability

For casco claims, policyholder can choose cash settlement, contracted repair partner, or other authorized workshop; pre-approval required for costs not agreed in advance