Allianz Hungária Biztosító Zártkörűen Működő Részvénytársaság
Allianz
Allianz is a motor third-party liability insurance for the Hungary market with online purchase and 24/7 assistance.
Direct payment
For MTPL claims, Allianz pays the compensation directly to the injured third party (károsult) based on the repair invoice or an agreed settlement amount; the policyholder does not need to advance the cost of damage caused to others.
Geographic scope
Hungary (nationwide)
The compulsory MTPL (GFB) cover applies to accidents occurring in the EEA member states, Switzerland, and the Green Card system countries whose national bureau has a bilateral agreement with the Hungarian National Bureau, excluding Belarus and Russia; the IPID also names Iran among the excluded countries.
Unique selling points
- 10% automatic discount when concluding the policy online via allianz.hu, plus an extra 5% when MTPL is combined with the Casco Max package.
- Free 24/7 telephone legal helpline (via LegitiMo) for traffic accidents and vehicle purchase disputes is included even in the base Komfort (MTPL-only) package.
- Basic 24/7 roadside assistance (on-site repair attempt, towing, passenger transport) is bundled with the compulsory MTPL cover at no extra charge.
- Four flexible tiers (Komfort/Plusz/Extra/Max) let customers scale coverage from third-party liability only up to full comprehensive casco under a single contract.
- Multi-policy discount is available on the MTPL premium when the customer also holds Allianz home insurance or an Allianz Life/Health programme.
Coverage limits
Bodily Injury Liability
€6,450,000
Compulsory MTPL cover indemnifies third parties for bodily injury caused by the insured vehicle's use, up to the HUF equivalent of EUR 6,450,000 per claim, irrespective of the number of injured parties.
Property Damage Liability
€1,300,000
Compulsory MTPL cover indemnifies third parties for property damage caused by the insured vehicle's use, up to the HUF equivalent of EUR 1,300,000 per claim, irrespective of the number of injured parties.
Legal Assistance
HUF 10,000
24/7 telephone legal advice regarding traffic accidents or vehicle purchase/sale is provided free of charge and without limit on the number of calls; if the policyholder instead uses their own or an Allianz-recommended lawyer, Allianz reimburses attorney fees up to HUF 10,000 + VAT per insured event, once per claim. The service is delivered by partner LegitiMo Jogvédelmi Biztosító Zrt.
Green Card
Covered
Upon request, Allianz issues an international Green Card proving valid MTPL cover abroad. It can only be issued for the period for which the premium has been paid, and is not issued for vehicles restricted to domestic traffic only.
Roadside Assistance
Covered
Basic assistance (included in all four packages, including Komfort with MTPL only) covers on-site technical help (up to 1 hour), towing to the nearest brand service or repair shop, and passenger transport up to 50 km. The enhanced assistance (Plusz/Extra/Max) additionally includes a replacement vehicle (4-6 days depending on cause), accommodation up to HUF 30,000/person/night for max. 3 nights (or repatriation), passenger transport up to 100 km, tyre-change and fuel-courier service, and wreck removal reimbursed up to HUF 50,000.
Driver Accident Cover
HUF 500,000 – HUF 2,000,000
Basic traffic-accident cover (all four packages) pays HUF 500,000 on death and, for permanent health damage, up to HUF 1,000,000 pro-rated to the degree of impairment (HUF 1,000,000 at 100%). The enhanced cover (Plusz/Extra/Max) doubles these amounts: HUF 1,000,000 on death and up to HUF 2,000,000 at 100% impairment.
Passenger Accident Cover
HUF 500,000 – HUF 2,000,000
The same traffic-accident benefit table applies to passengers (up to the number of permitted seats) as to the driver: basic cover (all packages) pays HUF 500,000 on death, up to HUF 1,000,000 at 100% permanent impairment; enhanced cover (Plusz/Extra/Max) pays HUF 1,000,000 on death, up to HUF 2,000,000 at 100% impairment. If more passengers travel than permitted seats, payouts are reduced proportionally.
Key conditions
Territorial scope
GFB cover is valid in the EEA states, Switzerland, and the Green Card countries whose national bureau has a bilateral agreement with the Hungarian National Bureau (Belarus and Russia excluded; the IPID also excludes Iran). Casco, legal assistance and basic assistance are valid across a specified list of European countries; the traffic-accident cover applies worldwide.
Green card rules
A Green Card is issued on request for the period for which the premium has been paid (or, in case of partial payment of an amount covering less than 60 days, up to the 60th day from due date); it is not issued for vehicles restricted to domestic use. The digital PDF version is accepted by authorities in all participating countries.
Driver restrictions
Allianz may seek reimbursement of paid compensation from: an unauthorised driver; a policyholder/driver who caused the damage unlawfully and intentionally; a driver under the influence of alcohol or other substances affecting driving ability (unless it could not have been recognised); a driver without a valid licence; the operator if the accident was caused by seriously neglected technical condition; or a driver/operator who breached disclosure, change-notification or claim-notification duties, to the extent this affected the payment obligation.
Claim notification deadline
If the policyholder/insured is the party causing the damage, the GFB claim must be reported within 5 business days; if they are the injured party, within 30 days of the event or of becoming aware of it.
Bonus-malus rules
Premiums are set under a statutory bonus-malus system with 10 bonus classes (B1-B10), one base class (A00) and 4 malus classes (M01-M04). Claim-free periods raise the classification (lower premium) while claims causing the insurer's payment obligation lower it (higher premium); customers can submit prior claims-history certificates from other insurers to improve their classification.
Policy specifics
Motor Third-Party Liability
Compulsory insurance covering damages caused to third parties by the insured vehicle
SourceBasic Assistance
On-site technical assistance provided in case of accident, flat tire, and/or technical failure, including towing to nearest repair shop and passenger transport
SourceLegal Assistance
24/7 telephone legal advice or, upon request, lawyer recommendation for claims arising from traffic accidents and related legal proceedings
SourceGreen Card
International Motor Insurance Card for evidence of third-party liability insurance when driving in foreign countries; available in both physical and digital PDF format
SourceBonus-Malus Classification
Premium classification system based on claims history; claims records determine MTPL premium for each policy year
SourceMultiple Policy Discount
Discount available on MTPL premium when bundled with home insurance or life/health insurance products
SourceOnline Discount
10% automatic discount applied when concluding contract on allianz.hu website; additional 5% available when combining MTPL with Casco Max package
SourceContract Anniversary Termination
MTPL coverage can be terminated with effect from the insurance anniversary date up to 30 days prior to anniversary
SourceE-Product Requirements
Default e-product format requires provision of valid email address and mobile telephone number for digital communication; all policy documents sent electronically via email or Allianz Client Portal
SourceSources
- https://www.allianz.hu/hu_EN/individuals/car-and-vehicles/allianz-motor-third-party-liability-insurance.html
- https://www.allianz.hu/hu_EN/individuals/making-and-managing-insurance-claims/online-services.html
- https://www.allianz.hu/hu_HU/lakossagi/gepjarmu-biztositasok/autom-gepjarmu-biztositas.html
- https://www.allianz.hu/hu_HU/lakossagi/karbejelentes-es-ugyintezes/gyakran-ismetelt-kerdesek.html