KÖBE Motor third-party liability (Kgfb Kotelezo Gepjarmu Felelossegbiztositas)

As a nonprofit mutual insurer, KÖBE can return part of the annual result to claim-free members as a premium discount rather than distributing profit to shareholders.

Positioned and marketed as 'the Hungarian-owned insurer', emphasising domestic ownership as a brand differentiator.

Fast digital claims handling via the 'Kárnavigátor' system: well-documented digital claim files can be decided the day they arrive, with an invoice-free settlement offer made within 2 working days of digital case receipt.

Nationwide claims inspection coverage through two dedicated partner expert networks (Dekra and Autotál), plus own in-house experts in four counties, ensuring inspections can be arranged anywhere in the country.

Driver restrictions

There is no restriction on who may drive the insured vehicle for cover to apply, but the insurer/Guarantee Fund has a statutory right of recourse against the driver or policyholder in specific cases: driving without the operator's permission, intentional/unlawful causing of damage, driving under the influence of alcohol or drugs, driving without a valid licence, hit-and-run/failure to assist, or breach of disclosure/notification duties, with recourse amounts capped at HUF 5,000,000, HUF 1,500,000 or HUF 500,000 depending on the breach.

Claim notification deadline

The policyholder/insured must report a claim to the insurer in writing within 5 working days of the event; an injured third-party claimant must notify the insurer within 30 days of the event or of becoming aware of it (a claim arising abroad must be reported from the date of returning home).

Bonus-malus rules

Premiums are adjusted under the statutory bonus-malus system (10 bonus classes B01–B10, base class A00, and 4 malus classes M01–M04). A claim-free period of at least 270 days in the preceding insurance period moves the contract up one bonus class; each claim for which the insurer's liability becomes known moves the contract down according to the official bonus-malus table (Annex to NGM Decree 21/2011).

Territorial scope

Coverage applies within the territory of EEA member states, Switzerland, and those countries party to the International Green Card Agreement whose national bureau has a bilateral agreement with the Hungarian National Bureau under the Internal Regulations.