What a package covers
Typically collision damage, natural events (fire, hail, flood, storm), theft, theft of parts and glass. Partial casco also exists, for collision only or theft only. Theft is not always included: some products offer it as an add-on.
The excess
The part of a loss you pay yourself; the exact figure is on the policy. It can rise: for a third claim in a year, a young or unnamed driver, or repairs outside the named garage.
Theft: the keys matter
The car locked, the alarm on, and every key accounted for. In some products, if a key got into the wrong hands, there is no theft cover until the locks are changed.
What it usually does not pay
Loss of value, damage from neglected maintenance, drink-driving (some terms treat anything above 0.0 per mille as drunk), and some products do not pay collision damage without a valid roadworthiness test.
| What | What to expect |
|---|---|
| Deadline to report a claim | from 2 to 30 working days |
| Write-off threshold | 50% in some products, 70% or 80% in others |
| Recovery, transport, storage | usually up to HUF 100,000 with no excess, in some up to HUF 200,000 |
| New car, first months | some products pay invoice value in the first 3 months |
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