Groupama
Groupama is a motor third-party liability insurance for the HU market with online purchase and 24/7 assistance.
Direct payment
The insurer pays compensation directly to the injured third party. The policyholder (at-fault driver) does not receive payment; claims are settled directly with the injured party by Groupama. Roadside assistance (included free) is dispatched directly to the scene.
Geographic scope
HU
EEA member states and Switzerland, plus green card system countries with bilateral agreements with the Hungarian National Bureau (Nemzeti Iroda)
Starting from
HUF 21,960
Unique selling points
- Free 24/7 roadside assistance (Groupama Gépjármű-asszisztencia) is included at no extra cost with every MTPL policy, covering towing, on-site repair, and storage up to HUF 100,000 per year.
- Guaranteed 1-hour on-site arrival for domestic breakdowns; if the provider fails to meet this, Groupama waives 3 months of the MTPL premium for individual policyholders.
- Online policy issuance in minutes via the Groupama MTPL calculator, with instant confirmation and no need to visit a branch.
- Discounts available for bundling with casco, home, or life insurance, for OTP bank account payment, and for hybrid/electric vehicles, providing meaningful savings above the statutory minimum premium.
- Groupama's MTPL product covers the broadest range of vehicle types legally required in Hungary, including motorcycles, trailers, agricultural tractors, slow vehicles, and quads under a single tariff framework.
Coverage limits
Bodily Injury Liability
Covered
Per-event liability limit for personal injury claims caused to third parties by the insured vehicle. Covers all injured parties regardless of their number. Includes claims, costs of enforcement (including legal representation), and interest accrued up to the date of payment. The HUF equivalent is recalculated annually based on the average NBH EUR/HUF exchange rate for the preceding 10 months.
Property Damage Liability
Covered
Per-event liability limit for property damage claims caused to third parties by the insured vehicle. Covers all injured parties regardless of their number. Includes claims, enforcement costs (including legal representation costs), and interest accrued to the date of payment. The HUF equivalent is recalculated annually based on the average NBH EUR/HUF exchange rate for the preceding 10 months.
Legal Defence / Legal Expenses
Excluded
Standalone legal defence insurance is not included in the Groupama MTPL product. Legal representation costs are covered only as part of the third-party liability indemnity limits (i.e., the costs form part of the overall bodily injury or property damage cap, not a separate cover).
Green Card (International Motor Insurance Certificate)
Covered
A Green Card can be requested free of charge from Groupama (online or at service centres) for travel outside the EU/EEA. Within EU/EEA countries the Hungarian licence plate itself serves as proof of valid MTPL coverage. A Green Card is mandatory for travel to non-EU green card system countries (e.g. Turkey, Ukraine). The policy territorial scope covers EEA member states and green card system countries with bilateral agreements with the Hungarian National Bureau.
Roadside Assistance (Groupama Gépjármű-asszisztencia)
Covered
Free 24/7 roadside assistance included with every valid individual or fleet MTPL policy for passenger cars, motorcycles, and vans/buses up to 3,500 kg GVW. Service limit: 100,000 HUF per insurance year. Coverage includes: dispatch of mechanic or recovery vehicle to the scene (within 1 hour guaranteed on-site for domestic breakdowns), on-site repair labour costs (once per insurance year), towing to nearest workshop if vehicle cannot be repaired on-site, vehicle storage, replacement car rental, overnight accommodation, and continuation/return travel for insured persons. The service organisation covers Hungary and listed European countries. Cost reimbursement (storage cost, guaranteed service penalty) applies to Hungary only. In individual contracts, if the service provider fails to arrive within 1 hour, Groupama waives 3 months' MTPL premium. Not applicable to racing cars, vehicles towed by insured vehicle, theft/vandalism events, vehicles without valid roadworthiness, drivers without valid licence, or events caused intentionally or with gross negligence.
Driver Accident Cover
Excluded
The Groupama MTPL product does not include personal accident cover for the at-fault driver. The policy explicitly excludes damage to the insured vehicle and its driver (the policyholder) as a covered loss. Separate personal accident or casco insurance is required for driver protection.
Passenger Accident / Third-Party Bodily Injury to Passengers
Conditional
Passengers travelling in the at-fault vehicle are covered as injured third parties under the MTPL bodily injury liability limit (max 6,070,000 EUR per event), provided their injury claims arise from an accident caused by the insured vehicle operator. However, damage claims arising between co-insured persons (e.g. mutual property damage claims between passengers and the policyholder) are excluded. Hitchhiker claims are also excluded under the roadside assistance component.
Key conditions
territorial_scope
The policy is valid in all EEA member states and Switzerland, as well as in green card system countries with which the Hungarian National Bureau (Nemzeti Iroda) has concluded bilateral agreements under the Internal Regulations. Within the EU/EEA the Hungarian licence plate serves as proof of cover; a Green Card is required for non-EU green card countries.
green_card_rules
The Green Card (international motor insurance certificate) can be requested free of charge from Groupama online or at service centres. It is mandatory for travel outside the EU/EEA to non-EU green card system countries (e.g. Turkey, Ukraine). Within EU/EEA the Hungarian licence plate is sufficient proof of valid MTPL coverage, and police can verify cover electronically via the central policy registry.
driver_restrictions
The insurer retains the right of recourse (visszkereset) against: (a) the driver who drove without the operator's permission; (b) any insured person who caused damage intentionally; (c) the driver under the influence of alcohol or impairing substances; (d) the driver without a valid driving licence; (e) the operator if the accident was caused by severely neglected vehicle condition; (f) the driver who failed to render assistance. Recourse amounts are capped (e.g. max HUF 5,000,000 for alcohol/drugs or failure to render assistance; max HUF 1,500,000 for no licence or severely neglected vehicle; max HUF 500,000 for non-intentional breach of disclosure/notification duties).
claim_notification_deadline
The injured party must notify the insurer of a loss event as soon as possible, but no later than 30 days after the event (or from becoming aware of it). For foreign-country events, the deadline runs from the date of return to Hungary. The at-fault insured must notify the insurer in writing within 5 business days. The insurer must make a reasoned indemnity proposal within 15 days of receiving all required documents, or within 3 months of the claim submission at the latest. Payment must be made within 15 days of the injured party accepting the proposal, or following final court judgment.
bonus_malus_rules
The bonus-malus system applies to passenger cars, motorcycles, buses, trucks, tractors, and agricultural tractors. It consists of one base class (A00), 10 bonus classes (B01–B10) and 4 malus classes (M01–M04). New entrants start at A00. To advance one bonus class, the policy must have been valid and claim-free for at least 270 days in the preceding insurance period. A malus surcharge is applied in the following insurance period for each first payment made in the current period. The classification follows the policyholder (operator), not the vehicle. Bonus classification earned is preserved for up to 2 years after policy termination (same vehicle category only); it cannot be transferred across vehicle categories or following non-payment termination.
Where to buy
Policy specifics
Third Party Liability Coverage
Compulsory coverage for damages caused to third parties by vehicle operation
Bonus-Malus Classification System
Discount system for claim-free driving history; penalty surcharge for at-fault accidents
Emergency Road Assistance
Complimentary 24/7 roadside assistance service included with compulsory insurance
Annual Policy Switch Window
Policy can be switched once per year, earliest 60 days before anniversary date
Coverage Suspension for Withdrawn Vehicles
Policy can be temporarily suspended if vehicle is withdrawn from traffic without premium payment
Compulsory Insurance Requirement on Vehicle Purchase
New or used vehicle buyers must obtain compulsory insurance on day of ownership acquisition
Annual Policy Switch Window
Either party may terminate an indefinite-term MTPL policy in writing at the policy anniversary date, with at least 30 days' written notice. The termination is effective only if received by the other party within the deadline. Switching insurer is possible once per year at the anniversary. New contracts can only be accepted up to 60 days before the start of the insurance period.