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Uninsured vehicle fee

The uninsured vehicle fee (fedezetlenségi díj).

If your vehicle had no valid compulsory insurance (KGFB) for a while, you pay a fee for every uninsured day. From 1 January 2027 the daily rate rises by 6.5–17 %: 1,770 Ft for a 71–100 kW car.

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The 2027 daily rates

Published by MABISZ, the Hungarian insurers’ association, on 13 November 2026:

Daily rates in forint:

Car 2026 2027 Under 21, 2027
0–37 kW 990 1,080 1,300
38–50 kW 1,230 1,320 1,580
51–70 kW 1,380 1,470 1,760
71–100 kW 1,650 1,770 2,120
101–180 kW 2,020 2,180 2,620
over 180 kW 2,090 2,360 2,830
Motorcycle 2026 2027 Under 21, 2027
1–12 kW 180 210 250
13–35 kW 280 320 380
36–70 kW 560 650 780
over 70 kW 750 870 1,040

Other vehicle types: the full MABISZ table (in Hungarian). To work out your own figure to the day: Gyémántház’s calculator (in Hungarian).

Who collects it, and when

There is no separate bill. The insurer you sign your next KGFB with calculates the fee and adds it to your first premium payment; if you pay the full year at once, you have 30 days. The registered keeper pays, not the driver.

Across New Year, two rates apply: each uninsured day is charged at the rate of the year it falls in.

How to avoid it

  • Leave no gap between policies. When you switch, the new one should start the day after the old one’s last day.
  • Pay on time. An unpaid premium ends the policy on the 60th day after it fell due.
  • Laid up for months? Deregister the car temporarily. That is the only exemption; a parked car that is still registered still owes the fee.

More on how KGFB works: car insurance, explained. Just bought a car? Read this first.

Updated:

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Questions

Can I pay in instalments?

If the uninsured period was longer than 120 days, the insurer may allow instalments. The fee cannot be waived.

How far back can they charge?

Up to five years, for the whole uninsured period.

I bought a car. Does the seller's KGFB cover me?

No. The seller's policy ends when the car changes hands. If you do not take out your own straight away, you pay the fee for the days in between.