K&H Motor third-party liability (Mtpl Standard)

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 a few clicks in the app.

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).

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.).

Territorial scope

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.