UNION

territorial_scope

The insurance contract covers the territory of EEA member states and Switzerland, as well as the countries of the Green Card System with which the Hungarian National Bureau has concluded a bilateral agreement in accordance with the Internal Regulations (§18 of Act LXII/2009). If the insured causes damage in another member state or in Green Card countries, the insurer's liability limit is determined by the motor liability insurance laws of the country where the accident occurred. If the contracted limit is higher than the local requirement, the contracted limit applies.

green_card_rules

The insurer issues a Green Card (international motor insurance certificate) in the name of the National Bureau in accordance with the insurance contract. The Green Card serves as proof of the required motor liability insurance coverage in visited countries. The territorial scope automatically extends to EEA countries, Switzerland, and Green Card System countries. In countries that are party to the Number Plate Agreement (Rendszámegyezmény), the vehicle's registration plate with country code serves as proof of coverage in lieu of the Green Card document.

driver_restrictions

All persons driving the insured vehicle with the operator's permission are covered as insured persons (biztosított). Coverage is excluded (and subrogation applies) against: (a) drivers operating without the operator's permission; (b) drivers under the influence of alcohol (blood alcohol above 0.8 per mille or breath alcohol above 0.5 mg/l) or substances impairing driving ability, and any insured who permitted such a person to drive; (c) drivers without a valid driving licence, and any insured who allowed an unlicensed person to drive (unless they had reasonable grounds to believe the driver was licensed). No age restriction or named-driver restriction applies to coverage, but these exclusions activate the insurer's right of subrogation.

claim_notification_deadline

The injured party (victim) must notify the insurer within 30 days of the loss event or of becoming aware of it (§29(2)). The insured (at-fault party) must notify their insurer in writing within 5 working days of the loss event, providing relevant data, description of circumstances, and the authority handling the case (§30(1)). For events occurring abroad, the deadline runs from the date of return to Hungary (§30(5)). The insurer must make a reasoned compensation proposal or provide a reasoned response within 15 days of receiving all required documents, and no later than 3 months from submission of the claim (§31).

bonus_malus_rules

The bonus-malus system applies to passenger cars, motorcycles, buses, trucks, tractors, and agricultural tractors. It consists of one base class (A00), 10 bonus classes (B01–B10), and 4 malus classes (M01–M04). New entrants start at A00. Classification rises by one class for each claim-free observation period (minimum 270 days of coverage required). The acquired classification is retained for 2 years after the contract ends, provided a new contract is taken out for the same vehicle category within that period. Non-payment-lapse contracts cannot transfer classification to another vehicle. The operator may repay the full claim amount within 45 days to prevent classification deterioration. The system advantages/disadvantages are tied to the operator (policyholder), regardless of who drove the vehicle.

Bonus-Malus System

State-regulated no-claims discount program where drivers start at class A00 and progress to higher bonus classes (up to B10) with each claim-free year, reducing premiums, or drop to malus classes (M01-M04) with accidents, increasing costs

Drivello Discount

Union-specific telematics-based discount offered through a mobile app that supports driving behavior monitoring, providing additional savings at binding and rewards for high driving scores with lower premiums

Green Card System Coverage

Union's KGFB insurance extends coverage to European Economic Area member states, Switzerland, and countries in the Green Card System, providing valid liability insurance throughout these territories

Uncovered Risk Fee

If the policyholder is obligated to pay uncovered risk fee in addition to insurance premium, the insurer first settles the uncovered risk fee and credits the remaining amount to the new contract

Personal Injury and Property Damage Liability

KGFB covers damages caused during vehicle operation through the insured driver's fault, including both bodily injuries and property damage (dologi kár), as well as compensation for damages (sérelemdíj) related to these claims

Union24 Online Variant

UNION offers the union24-kötelező (online variant) exclusively through the union24.hu website and insurance intermediaries for individual and non-natural-person operators. Excludes certain business activity codes (TEÁOR: 4511, 4519, 7711, 7712). All documents and notices are sent electronically via the insurer's portal, except the green card and cheque-based payment documentation.

Driver Impairment Exclusion

Insurer excludes coverage from drivers operating vehicle under alcohol or substances impairing driving ability, and from policyholders who allowed such impaired drivers to operate the vehicle, unless they prove inability to detect such impairment

Valid Driving License Requirement

Insurer excludes coverage from drivers without valid driving license to operate the vehicle, and from policyholders who allowed unlicensed drivers to operate, unless they prove reasonable belief that driver held valid license

Severely Neglected Vehicle Condition Exclusion

Insurer excludes coverage from operator if accident was caused by severely neglected technical condition of the vehicle (súlyosan elhanyagolt műszaki állapot)

Premium Payment Deadline

Insurance premium must be paid within 60 days of its due date; failure to pay by this deadline results in contract termination

Policy Duration and Termination

Insurance period is 1 year. Contract can be terminated without reason at least 30 days before anniversary date, or upon loss of insurable interest (interest-termination). Contract terminates upon non-payment or loss of insurance need

Union24 Online Variant

Union offers union24-kötelezőt (online variant) exclusively through union24.hu website and insurance intermediaries for individual and non-natural operators. Excludes certain business codes (TEÁOR: 4511, 4519, 7711, 7712). All documents and notices sent electronically via insurer's portal except green card and check-based payment documentation