We take on one job: keeping your MTPL cover in order.

Who's behind this site?

I'm Emánuel Dávid Tukacs, an independent insurance intermediary (broker). As a broker, I don't represent one insurer – I act on the client's instructions: I request competing MTPL quotes from several insurers for your car, and hand them over in one clear, shared table – premium, add-ons, strengths and weaknesses together. I assess the need and explain the options – the decision is always the client's.

My activity is supervised by the National Bank of Hungary (MNB): my registration number is 114063010758, which anyone can check in the MNB's institution register. I carry out the intermediation as a partner of Eurorisk Biztosítási Alkusz Kft. My main site: tukacs.com.

Why MTPL, specifically?

Because MTPL is the insurance everyone has – and the one fewest people pay attention to. Yet the market is repriced every year, the bonus-malus system carries every decision forward for years, and small administrative slips – a missed cancellation deadline, an unpaid premium – turn out to be disproportionately costly. My job is to put this in order: pre-renewal comparison, a fresh comparison if you get in touch before renewal, bonus-malus class protection and a process free of lapse-for-non-payment traps. As the homepage's “Bonus ladder” mini-game also shows: the road up to B10 takes persistence – and protecting it takes routine. The details are in the Insights, in 95 plain-language articles.

Three principles I stick to

• Comparison, not pushing offers. Instead of insurer brands, I compare content: premium against its terms, add-ons item by item, service quality from experience. Several insurers' offers are set side by side – the table speaks for itself. With the online calculator you can run the numbers yourself in minutes – I pick up where the calculator leaves off.
• Honesty instead of pressure. With me there's no pressure to switch, and no promise that switching will definitely save you money. I also write openly about when switching isn't worth it, and about why a price-only decision is a trap – that's part of fair information too.
• The long view. Taking out a policy isn't the end, it's the start: a fresh comparison at renewal, adjustments when your circumstances change. The primary route for reporting a claim is always the insurer's claims line and online platform – but if a case stalls or becomes disputed, I help the client find their way, as broker, where I can.

What I am NOT – an important distinction

• I am not a claims assessor. Assessing the damage and setting the claim amount is the insurer's expert's job – my role is to make sure the policy is set up well, and, in a claim, to help the client, where I can, when a case stalls or becomes disputed.
• I am not a lawyer. I explain the legal framework in plain language – MTPL is a heavily regulated product, so everything on this site is written under the rules in force – but legal disputes need a lawyer; legal expenses insurance is there for those costs: jogvedelem.biz.
• I am not a claims line. I don't “speed up” the claim report myself: it runs fastest inside the insurer's own system. What I take on: orderly preparation – and substantive help where it's genuinely needed.

What does this cost you?

I don't charge the client a fee for advice or comparison – the intermediary's fee is paid by the insurer. That's how the market normally works, and I talk about it openly, because trust rests on it: you know exactly what your broker lives on, and that the right to decide always stays with you.

Strong backing: Eurorisk

I carry out the intermediary work as a partner of Eurorisk Biztosítási Alkusz Kft. Eurorisk has operated since 1993 as an MNB-licensed brokerage – its backing means kotelezo.biz stands on mature professional and legal infrastructure, while you keep working with the same person throughout.

The rest of the family

Not every risk of driving is an MTPL question – and not all of them belong here. Damage to your own car is the domain of casco.biz, company vehicle fleets belong to flotta.biz, the costs of traffic-related legal disputes belong to jogvedelem.biz, cover for personal injury belongs to baleset.biz, and the insurance portfolio for businesses lives on the vallalkozas.biz hub – here, everything is about MTPL.