K&H Insurance Private Limited Company
K&H
K&H is a motor third-party liability insurance for the Hungary market with online purchase and limited assistance availability.
Direct payment
The insurer pays the injured third party directly for damages caused by the insured vehicle; the at-fault operator/driver is not required to pay the claim personally.
Geographic scope
European Economic Area states, Switzerland, and Green Card system countries
Coverage extends to all EEA states plus Switzerland, and to further Green Card system countries such as Albania, Andorra, Azerbaijan, Bosnia-Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia (excluding Kosovo), Tunisia, Turkey and Ukraine.
Unique selling points
- Contract can be concluded fully online in about 7 steps via the kh.hu calculator, with immediate coverage possible once the first premium instalment is paid.
- K&H Mobilbank users can calculate and buy MTPL in just a few clicks, one of the first such mobile-only issuance flows on the Hungarian market.
- Free electronic or paper Green Card issuance for cross-border travel, deliverable by email or via the Ügyfélportál on request.
- Flexible premium payment in 1, 2 or 4 instalments via direct debit, bank card, or bank transfer, alongside multiple discount options (e.g. older-vehicle and home-office discounts).
Coverage limits
Bodily injury liability limit
€6,450,000
The insurer is liable, per claim event regardless of the number of injured parties, up to the HUF equivalent of EUR 6,450,000 for bodily injury damages caused by the insured vehicle, including claim-related costs and interest.
Property damage liability limit
€1,300,000
The insurer is liable, per claim event regardless of the number of injured parties, up to the HUF equivalent of EUR 1,300,000 for property (material) damage caused by the insured vehicle to third parties, including claim-related costs and interest.
Legal representation / claim enforcement costs
Covered
The statutory per-claim limits for bodily injury and property damage explicitly include claim enforcement costs, including legal representation costs, and interest accrued up to settlement; there is no separate sub-limit.
Green Card (international insurance certificate)
Covered
The insurer issues a Green Card certificate free of charge, evidencing MTPL coverage when travelling in Green Card system countries outside the EEA/Switzerland; it can be delivered electronically (e.g. by email or via the Ügyfélportál) or on paper on request.
Roadside assistance
No limit stated
None of the reviewed K&H MTPL documents (T&C or IPID) mention roadside assistance as part of this product.
Driver's own accident/injury cover
Excluded
As a third-party liability product, MTPL compensates damage the insured causes to others; the at-fault driver's own injuries and claims between the vehicle's own insureds against each other are excluded from cover.
Passenger bodily injury cover
Covered
Passengers injured by the insured vehicle qualify as third-party claimants and their claims are settled within the aggregate bodily injury liability limit (EUR 6,450,000 equivalent per event); there is no separate dedicated passenger-accident benefit.
Key conditions
Territorial scope
Coverage extends to the EEA member states and Switzerland, plus Green Card system countries with a bilateral agreement with the Hungarian National Bureau (e.g. Albania, Andorra, Azerbaijan, Bosnia-Herzegovina, Israel, North Macedonia, Morocco, Moldova, Montenegro, Serbia excl. Kosovo, Tunisia, Turkey, Ukraine).
Green card rules
A Green Card is issued to certify MTPL cover when travelling outside the EEA/Switzerland in Green Card system countries; it is provided free of charge, electronically or on paper, and must meet printing requirements when delivered electronically.
Driver restrictions
The insurer may pursue recourse (visszkereset) against the driver or operator if the vehicle was driven without authorisation, if damage was caused intentionally, if the driver was under the influence of alcohol or drugs, drove without a valid licence, or if the vehicle was in a seriously neglected technical condition; recourse amounts are capped by law (e.g. HUF 5 million, 1.5 million or 500,000 depending on the breach).
Claim notification deadline
The injured third party must report the claim within 30 days of the event or of becoming aware of it; the insured (at-fault operator/driver) must report the claim in writing to the insurer within 5 business days.
Bonus-malus rules
Premiums are adjusted under the mandatory bonus-malus system (A00 base class, 10 bonus and 4 malus classes) based on claims history over the preceding insurance period, in line with NGM Decree 21/2011 (VI.10.).
Where to buy
Policy specifics
Bodily injury and non-material damages coverage limit
Mandatory MTPL coverage for bodily injuries and non-material damages caused to third parties, with statutory minimum limit of 6.07 million EUR equivalent in HUF
SourceProperty damage coverage limit
MTPL coverage for material/property damage caused by the insured vehicle to third party property, with statutory minimum limit of 1.22 million EUR equivalent in HUF
SourceTerritorial coverage scope
MTPL coverage extends to European Economic Area (EEA) states and Switzerland, plus territories covered by the Green Card system with bilateral agreements
SourceDirect claim settlement to third party
MTPL mandatorily grants injured third parties the right to claim directly against the insurer; insurer settles claims on behalf of insured
SourceBonus-Malus rating system
Hungarian MTPL policies include mandatory bonus-malus system affecting premium calculation based on claim history
SourceClaim settlement timeline
Insurer must make settlement proposal within 15 days of receiving all required documents, or within 3 months of claim submission if documents are incomplete
SourceSources
- https://www.kh.hu/biztositas/gepjarmu/kotelezo
- https://www.kh.hu/documents/20184/604559/Biztos%C3%ADt%C3%A1si+term%C3%A9kismertet%C5%91+-+K&H+k%C3%B6telez%C5%91+g%C3%A9pj%C3%A1rm%C3%B1-felel%C5%91ss%C3%A9gbiztos%C3%ADt%C3%A1s/2c2242e2-6e54-4604-ac82-f446892888b9?version=1.1
- https://www.kh.hu/documents/20184/604575/apr%C3%B3+bet%C5%B1k+helyett+g%C3%A9pj%C3%A1rm%C3%B1biztos%C3%ADt%C3%A1sok/c5698044-8b09-4e11-93d4-668954301723