Groupama Motor third-party liability (Gb351 Kotelezo Gfb)

Free roadside/motor assistance included with the compulsory policy at no extra premium, covering towing, on-site repair and vehicle storage up to a HUF 100,000 service limit.

1-hour domestic arrival pledge for individual contracts: if the assistance mechanic is late, Groupama refunds 3 months of MTPL premium.

24/7 Hungarian-language assistance line with call-back service when the customer is abroad.

Premium discount for choosing paperless e-communication for policy documents and notices.

Driver restrictions

No specific age or driving-experience restriction is stated for drivers under the MTPL policy. However, the insurer has a statutory right of recourse (Section 34 Gfbt.) against a driver who used the vehicle without the keeper's permission, drove under the influence of alcohol or another impairing substance, lacked a valid driving licence, or caused the accident through the vehicle's grossly neglected technical condition or intentional wrongdoing, up to statutory recourse limits ranging from HUF 500,000 to HUF 5,000,000 depending on the breach.

Claim notification deadline

The injured party must report the claim as soon as possible, but no later than 30 days from the event or from becoming aware of it (Section 29(2) Gfbt.). The insured (policyholder/driver) must report the claim in writing within 5 working days (Section 30(1)). For accidents occurring abroad, the deadline is counted from the date of returning home (Section 30(5)).

Bonus-malus rules

The bonus-malus system applies to passenger cars, motorcycles, buses, trucks, tractors and agricultural tractors, and consists of a base class (A00), 10 bonus classes (B1-B10) and 4 malus classes (M1-M4). To move up one bonus class, the contract must have been in force and claim-free for at least 270 days during the preceding insurance period. A malus surcharge is applied in the following period after a first claim payment, scaled by the number of claims. Contracts newly entering the system start in class A00.

Territorial scope

Coverage applies in the EEA member states and Switzerland, plus those Green Card System countries whose national bureau has a bilateral agreement with the Hungarian National Bureau. Travel to countries outside the Green Card System requires local border insurance.