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Buying a car

Bought a car? Your own KGFB comes first.

The seller's policy ends when ownership passes to you; it does not transfer. You need your own compulsory insurance without delay, before you drive.

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Car keys handed over on a quiet street, the newly bought used car behind

What matters on the day you buy

  1. The day you buyContract signed, ownership has passed.
  2. Without delayYou need your own KGFB: the seller’s does not cover you.
  3. Within 15 daysBoth seller and buyer report the change of owner to the authority.
  • Your own KGFB: without delay after ownership passes. Only one policy can be valid for a vehicle and period, so the seller’s does not cover you.
  • Registration: the change of ownership must be reported to the transport authority within 15 days, by both seller and buyer.
  • The sale contract: keep it at hand. With the registration certificate it is often all we need.

Your no-claims class (bonus-malus)

It belongs to the registered keeper, not the car.

Situation What to expect
You sold the old car, buy a new one within 2 years your class transfers (same vehicle category)
You keep the old car and add the new one the new one starts from A00
You later sell the better-rated car its class can move to the remaining one within 2 years
The old policy ended for non-payment its class does not transfer

KGFB only, or casco too?

KGFB pays what you cause to others. Damage to your own car needs casco: what to know about casco.

Need a sale contract or a power of attorney? Fillable PDFs (in Hungarian).

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Questions

Can I keep my no-claims class?

If you sold your previous car, your class stays valid for 2 years after that policy ended and transfers to a vehicle of the same category. If you keep the old car, the new one starts from A00.

What do you need for an offer?

The plate (or make, model and year if there is none yet), your date of birth, your postcode, and a photo of the registration certificate if you have it. We ask for anything else.

Do you handle the registration transfer?

No, the official change of ownership is not ours to file. The insurance is.