K&H
K&H is a motor third-party liability insurance for the HU market with online purchase and limited assistance availability.
Direct payment
The insurer pays the damages directly to the injured party (victim) on behalf of the at-fault policyholder. The victim reports the claim to the at-fault party’s insurer within 30 days; the insurer must submit a compensation proposal within 15 days of receiving all documents, or within 3 months of the claim submission at the latest.
Geographic scope
HU
Az Európai Gazdasági Térség és Svájc területére, valamint a Zöldkártya Rendszer tagállamaira terjed ki.
Unique selling points
- Instant online contract issuance available in 7 steps via the K&H website or mobile banking app, with up to 30% discount for online purchase.
- Premium can be paid quarterly, semi-annually or annually by direct debit, bank transfer, card, or postal cheque, with frequency-based discounts available.
- Additional optional add-ons available alongside MTPL include accident insurance, luggage damage, windscreen, and roadside assistance coverage.
- Claims can be filed online 24/7 via the K&H client portal, by email, fax, or in person at K&H offices and bank branches.
- Motorcycle owners benefit from additional discounts, including a 10% reduction for vehicles manufactured in 2002 or earlier, and 10% for chopper/cruiser and touring motorcycles.
Coverage limits
Bodily injury liability
Covered
Covers bodily injury caused to third parties during vehicle operation. The IPID (version 1.1) states the limit as 6,070,000 EUR, while an older product sheet states 6,450,000 EUR. A conflict exists between sources; the current statutory Hungarian MTPL limit is 6,070,000 EUR per event.
Property damage liability
Covered
Covers property damage caused to third parties during vehicle operation. The IPID (version 1.1) states the limit as 1,220,000 EUR per event; an older product sheet states 1,300,000 EUR. Conflict exists between sources; the current statutory Hungarian MTPL limit is 1,220,000 EUR per event.
Legal defence
Excluded
Legal defence coverage is not included in the K&H MTPL product. It is not mentioned in the product sheet or policy terms as an included or optional benefit.
Green Card (international insurance certificate)
Covered
The insurance coverage extends to the EEA states and Switzerland, as well as to countries participating in the Green Card system. The insurer issues the Green Card document upon contract conclusion free of charge.
Roadside assistance
Optional
Roadside assistance (gépjármű assistance) is available as an optional add-on to the MTPL policy. It is not included in the base MTPL product.
Driver accident insurance
Excluded
The MTPL policy explicitly does not cover injuries suffered by the at-fault driver in their own vehicle. Such coverage requires a separate accident insurance add-on.
Passenger accident insurance
Optional
Passenger accident coverage is available as an optional add-on to the MTPL policy. The base KGFB covers third-party bodily injury claims from passengers of other vehicles, but not an accident benefit for the insured vehicle’s own passengers.
Key conditions
territorial_scope
The insurance covers the territory of EEA member states and Switzerland, as well as countries participating in the Green Card system where the Hungarian National Bureau has a bilateral agreement. Entry into countries outside this scope requires a separate border insurance policy.
green_card_rules
The insurer issues a Green Card (international certificate of insurance) upon contract conclusion or after premium payment. During digital contract management via the K&H client portal, documents are provided electronically (the international Green Card is an exception and must be issued in paper form). Coverage extends to all EEA states, Switzerland, and Green Card system member states.
driver_restrictions
The insurance applies to the registered keeper (üzembentartó) of the vehicle. Vehicles with foreign licence plates cannot be insured under Hungarian MTPL. The insurer may seek recourse from the at-fault party if: the driver operated the vehicle without the keeper’s permission; the insured caused damage intentionally and unlawfully; the driver was under the influence of alcohol or substances impairing driving; or the driver lacked a valid driving licence.
claim_notification_deadline
At the scene, both parties must exchange identification, vehicle, and policy data. The victim must report the claim to the at-fault party’s insurer within 30 days; the at-fault party must report to their own insurer within 5 business days. For claims occurring abroad, deadlines run from the date of return to Hungary. The insurer must submit a compensation proposal within 15 days of receiving all required documents, or within 3 months of the claim submission.
bonus_malus_rules
The bonus-malus system has one base class (A00), 10 bonus classes (B1–B10), and 4 malus classes (M1–M4). Claim-free driving for at least 270 insured days per period results in a one-class improvement. A claim payment recorded against the policy causes a two-class deterioration for passenger cars and motorcycles, and a one-class deterioration for buses, trucks, tractors, and agricultural vehicles. The classification is governed by Government Decree 19/2016 (II.15.) Korm.
Where to buy
Policy specifics
Own vehicle damage not covered
The MTPL policy does not cover damage to the at-fault policyholder’s own vehicle. Such damage is only compensated under a separate CASCO policy.
At-fault driver’s own injuries not covered
The at-fault driver’s own bodily injuries are excluded from MTPL coverage. A separate accident insurance rider must be taken to cover this risk.
Vehicles with foreign licence plates excluded
Vehicles registered abroad (with foreign licence plates) cannot be insured under a Hungarian MTPL contract at K&H.
Motor racing and training excluded
Damages caused during a motor race or related training are not covered by the MTPL policy.
Premium payment frequency
The premium may be paid quarterly, semi-annually, or annually. Monthly payment is not available. If no frequency is specified on the application, the insurer defaults to quarterly payments. Discounts may apply depending on the chosen frequency.
Grace period for premium non-payment
If the premium is not paid by the due date, a 60-calendar-day grace period applies uniformly across all insurers before the contract is terminated. After termination, a coverage gap fee (fedezetlenségi díj) set by MABISZ must be paid for the uncovered period.
Cancellation rules
The policy can be cancelled without reason at least 30 days before the annual renewal date. The contract also terminates automatically upon loss of insurable interest (e.g. permanent deregistration of the vehicle) or non-payment of premium after the 60-day grace period.