Ominimo Insurance Limited Liability Company
Ominimo
Ominimo is a motor third-party liability insurance for the Hungary market with online purchase and limited assistance availability.
Direct payment
Policies sold by Ominimo Insurance Kft. (policy numbers starting with 811) are paid by bank transfer or bank card; if paying by transfer, the policy number must be entered in the payment reference, otherwise the payment cannot be credited or will be credited with delay.
Geographic scope
European Economic Area, Switzerland, and Green Card System member countries
Coverage extends to the territory of the European Economic Area and Switzerland, as well as to countries participating in the international Green Card system with which the Hungarian National Bureau has an agreement.
Unique selling points
- Online premium calculation takes as little as 30 seconds, versus the previously typical 5-10 minute, multi-question KGFB calculation process.
- Pricing and risk assessment use machine-learning models built by a team with over 15 years of international MTPL pricing experience.
- Claims for Ominimo-branded policies are handled through a dedicated fully online claims portal at ominimo.ai.
- A dedicated Ominimo Insurance Kft. customer service phone line is available for claims-related questions.
Coverage limits
Bodily Injury Liability
Not established from the insurer's documents
Statutory per-event ceiling under the Hungarian MTPL Act (Gfbt.) as amended (Motor Insurance Directive uplift effective from late 2023): the insurer must cover personal injury claims up to the HUF equivalent of EUR 6,450,000 per claim event, regardless of the number of injured parties. This limit is identical for all Hungarian MTPL insurers, including SIGNAL IDUNA/Ominimo.
Property Damage Liability
Not established from the insurer's documents
Statutory per-event ceiling under the Hungarian MTPL Act (Gfbt.) as amended: the insurer must cover property damage claims up to the HUF equivalent of EUR 1,300,000 per claim event, regardless of the number of claimants. This limit is identical for all Hungarian MTPL insurers, including SIGNAL IDUNA/Ominimo.
Legal Representation Costs
Not established from the insurer's documents
Costs of pursuing a claim, including legal representation costs, are included within the statutory bodily injury and property damage liability limits rather than being a separate additional sum.
Green Card / International Territorial Coverage
Not established from the insurer's documents
Coverage extends to the European Economic Area and Switzerland, as well as to countries within the international Green Card system with which the Hungarian National Bureau has an agreement; the Green Card is issued free of charge by the insurer as international proof of cover.
Roadside Assistance
No limit stated
Not found as part of the Ominimo KGFB base product in the sources reviewed; roadside assistance is offered by SIGNAL IDUNA as a separate add-on to CASCO policies, not confirmed as attached to the KGFB product.
Driver Accident Cover
No limit stated
Not found in the reviewed Ominimo/SIGNAL IDUNA KGFB sources.
Passenger Accident Cover
No limit stated
Not found in the reviewed Ominimo/SIGNAL IDUNA KGFB sources.
Key conditions
Territorial scope
The insurance covers the territory of the European Economic Area and Switzerland, plus countries in the international Green Card system that have an agreement with the Hungarian National Bureau.
Green card rules
The Green Card, issued free of charge by the insurer, serves as international proof of MTPL cover; details of countries within the Green Card system can be found via MABISZ (the Hungarian insurance association).
Driver restrictions
MTPL cover is tied to the vehicle/registered keeper rather than to a named driver; the reviewed sources do not indicate any driver-age or named-driver restriction specific to the Ominimo KGFB product.
Claim notification deadline
Claims relating to Ominimo-branded (SIGNAL IDUNA) contracts must be reported via the Ominimo online claims portal at www.ominimo.ai, or queries can be directed to the Ominimo Insurance Kft. customer service line at +36 1 677 7877; no specific number of days for notification is stated in the reviewed sources.
Bonus-malus rules
Bonus-malus classification and related certificate rules follow NGM decree 21/2011 (VI.10.); since a 2022 legal change, policyholders are required to declare, at the time of the offer, any claims caused under any MTPL policy (at any insurer) since 1 January 2022.
Documents
SIGNAL IDUNA KGFB Insurance Product Information Document (IPID)
IPID
KGFB terms and conditions hub page (current edition effective from 2025-08-01)
Terms & conditions
SIGNAL IDUNA MTPL premium tariff table effective 2025.11.01
Other document
Vehicle claims settlement information
Other document
Green Card system member countries
Other document
Policy specifics
Electronic Communication Requirement
Ominimo KGFB contracts are available only for natural persons (consumers) with electronic communication and annual premium payment frequency or digital payment methods
Source