SIGNAL IDUNA Motor third-party liability (Kgfb)

Discounted premiums for public-service, healthcare-sector and public-education employees

Additional premium discounts for customers of partner financial institutions (MBH Nyrt., Duna Takarékbank, Polgári Bank)

Premium discount for choosing electronic (e-mail/SMS) communication instead of paper-based correspondence

Fully online premium calculation and policy purchase without personal contact

Driver restrictions

There is no named-driver restriction; however, the insurer, National Bureau or Kártalanítási Számla may recover paid claims from the driver or insured in cases such as driving without the vehicle keeper's permission, unlicensed driving, or driving under the influence of alcohol/drugs, subject to recourse caps of HUF 5,000,000 (driving under alcohol/drugs, or failing to help the injured / intentional endangerment in the course of an occupation), HUF 1,500,000 (unlicensed driving or grossly neglected technical condition), or HUF 500,000 (unintentional breach of disclosure duty); recourse for intentionally caused damage is not capped

Section: I. A kötelező gépjármű-felelősségbiztosításra vonatkozó szabályok > 34. §

Ha a biztosított az (1) bekezdés c) pontjában, valamint a vezető az f) pontban felsorolt esetekben köteles a megtérítésre, a teljesített szolgáltatások keretei között egy biztosítási eseménnyel kapcsolatban a biztosító, a Nemzeti Iroda, valamint a Kártalanítási Számla kezelője legfeljebb 5 millió Ft-ig érvényesítheti követelését.

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 must report the claim in writing within 5 working days, with details needed for claims handling; for incidents abroad the deadline runs from the date of return to Hungary

Bonus-malus rules

The bonus-malus system consists of one base class (A00), 10 bonus classes and 4 malus classes, applying to passenger cars, motorcycles, buses, lorries, tractors and agricultural tractors. Classification improves by one class in the next insurance period if the vehicle had at least 270 days of continuous cover without a known claim. A class achieved on a terminated contract may be carried over to a new contract for the same vehicle category within 2 years, except where the contract terminated due to non-payment of premium

Territorial scope

Coverage extends to the territory of the EEA member states and Switzerland, and to Green Card System countries whose national bureau has concluded a bilateral agreement with the Hungarian National Bureau