Reviewed from source documents

Groupama Biztosító Zártkörűen Működő Részvénytársaság

Name: Groupama Biztosító Zártkörűen Működő Részvénytársaság Motor third-party liability
Brand: Groupama Biztosító Zártkörűen Működő Részvénytársaság
SKU: hungary-mtpl-groupama
Availability: InStock

Groupama

Groupama is a motor third-party liability insurance for the Hungary market with online purchase and 24/7 assistance.

Last verified Aug 27, 2026Reviewed by: Boleron EUTerms & conditions: 2023-01-01Underwritten by: Groupama Biztosító Zrt.

Online purchase24/7 helpline

Direct payment

Groupama maintains a nationwide network of contracted repair shops; when the claimant chooses one of these garages, the claimant only pays the part they are personally liable for (e.g. betterment), while Groupama settles the remaining repair cost directly with the garage.

Geographic scope

Hungary

Coverage applies in EU/EEA member states and Switzerland, plus other Green Card System countries with which the Hungarian National Bureau (MABISZ) has a bilateral agreement, including Austria, Belgium, Bulgaria, Cyprus, Czechia, Denmark, United Kingdom, Estonia, Finland, France, Greece, Netherlands, Croatia, Iceland, Ireland, Poland, Latvia, Liechtenstein, Lithuania, Luxembourg, Hungary, Malta, Germany, Norway, Italy, Portugal, Romania, Spain, Switzerland, Sweden, Slovakia, Slovenia, as well as Albania, Andorra, Azerbaijan, Belarus, Bosnia-Herzegovina, Iran, Israel, North Macedonia, Morocco, Moldova, Montenegro, Russia, Serbia (excluding Kosovo), Tunisia, Turkey and Ukraine. Travel to countries outside the Green Card System requires local border insurance.

Starting price

HUF 21,960

Indicative — pricing assumptions not stated

Unique selling points

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.
Loyalty 'rutinos fokozat' discount that rewards long-term claim-free customers with progressively lower premiums.

Coverage limits

Bodily injury liability limit

€6,070,000

Per claim event, regardless of the number of victims, the insurer must cover bodily injury claims up to the HUF equivalent of EUR 6,070,000, including any claims arising from the event, enforcement costs (including legal representation) and interest.

Source

Property damage liability limit

€1,220,000

Per claim event, regardless of the number of victims, the insurer must cover property damage claims up to the HUF equivalent of EUR 1,220,000, including enforcement costs (including legal representation) and interest.

Source

Legal defence / claim enforcement costs

Covered

Legal representation and claim-enforcement costs are included within the bodily injury and property damage liability caps; the policy does not provide a separate sublimit for legal defence costs.

Source

Green Card (international motor insurance certificate)

Covered

The insurer issues the Green Card free of charge on request, certifying that MTPL cover exists; it is required or recommended only in certain Green Card System countries outside the EU/EEA (details available via MABISZ). Since the 2023 edition of the terms, a Hungarian registration plate combined with a separate oval H-mark may also serve as proof in certain cases.

Source

Groupama motor vehicle assistance (roadside assistance)

HUF 100,000

Included at no extra premium with the MTPL policy for passenger cars, motorcycles, and trucks/buses up to 3,500 kg gross weight (heavier vehicles, trailers and agricultural machinery are not eligible). Provides a 24/7 Hungarian-language assistance line (with call-back when abroad), dispatch of a tow truck or mechanic, reimbursement of on-site repair labour once per insurance year or towing to the nearest garage, and vehicle storage until the garage reopens. Reimbursement to the service provider is capped at HUF 100,000. On individual (non-fleet) contracts, if the mechanic does not arrive domestically within 1 hour of the call, Groupama refunds 3 months of MTPL premium.

SourceInsurers' association document

Driver accident (personal injury) cover

Excluded

MTPL is a third-party liability product covering damage the insured driver causes to others; it does not cover the at-fault driver's own personal injury, since under the law the driver is an insured/tortfeasor rather than a claimant entitled to indemnity under the policy.

Source

Passenger accident (personal injury) cover

Covered

Passengers injured in the at-fault vehicle are third parties and their bodily injury claims are covered within the general bodily injury liability cap (EUR 6,070,000 per event); there is no separate, additional passenger-accident benefit.

Source

Key conditions

Territorial scope

Coverage applies throughout the EU/EEA and Switzerland, plus additional Green Card System countries with which the Hungarian National Bureau (MABISZ) has a bilateral agreement; a Green Card or, in some cases, the vehicle's registration plate with a separate oval H-mark serves as proof abroad; travel to non-Green-Card countries requires local border insurance.

Green card rules

The Green Card is issued free of charge by the insurer on request and proves that MTPL cover exists; it is not required in every country, and MABISZ's website should be consulted to determine where it is mandatory or recommended.

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.