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Taxi, passenger transport

Taxi insurance in Hungary: KGFB, SZESZOF, casco.

If you carry paying passengers, two covers are compulsory: KGFB motor liability and the business's financial guarantee, which most meet with a liability policy (SZESZOF). Casco is optional, but one bought for a private car may not cover a taxi.

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A driver on an evening ride through the city, phone in the holder, passenger in the back

Who this is for

Taxi drivers, and anyone who carries paying passengers (for example through an app) or rents out their car. Some tariffs include courier work too.

Which cover is compulsory?

Cover Compulsory? What it pays
KGFB motor liability yes, with taxi use declared damage you cause to others
SZESZOF (financial guarantee) yes, for the licence passenger claims not covered elsewhere
Casco no damage to your own car

SZESZOF: 50,000 Ft per passenger seat

A taxi or private-hire licence requires a financial guarantee (Government Decree 176/2015 (VII. 7.), § 8): for every car on the licence, 50,000 Ft per passenger the car can carry. You meet it either with money in a separate account or with a liability policy from an insurer, known as SZESZOF. Two 4-passenger cars need 2 × 4 × 50,000 = 400,000 Ft. Add a car to the licence and the guarantee must be raised within 15 days. The same applies to app-based private-hire operators.

How large a guarantee?

Guarantee required200 000 Ft

Per car, the number of passengers it can carry × 50,000 Ft (Government Decree 176/2015, § 8 (2)). The driver is not a passenger.

What to know

  • KGFB has a surcharge: 95% and 99% in the tariffs we checked.
  • When does it count as a taxi? In some tariffs, if the car is used as a taxi at any time in the period, or a taxi licence was requested by its start.
  • Casco may not cover taxis: excluded in some products, available with review and surcharge in others.
  • Report the change of use. Some casco policies end when a private car is put into taxi service; others do not pay if the car was used differently from the proposal at the time of the loss.
  • Taxi wrap: some casco policies redo the mandatory wrap on damaged panels; elsewhere wraps are not covered.
Situation What to do
You start driving a taxi in your private car tell the insurer before the licence
You drive for an app report it, even if it is not a taxi
You need new casco ask for taxi offers from the start
Your car is wrapped check wrap cover before you sign

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Questions

Is passenger insurance compulsory for a taxi?

The regulation does not require a separate passenger accident policy. It does require the business's financial guarantee: 50,000 Ft per passenger seat per car, held in a separate account or as a liability policy (SZESZOF). It pays passenger claims not covered elsewhere.

I drive for an app but I am not a taxi. Do I need to tell the insurer?

Yes. Tariffs list passenger transport that is not a taxi on a separate line, with a similar surcharge. If you do not report it, it can cause trouble after a claim.

How much more is a taxi's KGFB?

In the two tariffs we checked, the taxi surcharge is 95% and 99%. With the other factors the premium can be close to double a private car's.

Can I get casco for a taxi?

Yes, but not everywhere. Some insurers exclude taxis; others accept them after review and with a surcharge. We find which.