How it works

Run the numbers in minutes – we handle the rest on schedule.

At kotelezo.biz, machine and human work together: the online calculator gives you direction in minutes, and the shared work keeps your MTPL cover in order – with a pre-renewal comparison and bonus-malus class protection. Your share of that comes to roughly 20 minutes a year.

Buy online nowBook a time

Here's what Rudi notices: there was a calculation, a good conversation – and the renewals have taken care of themselves ever since.

Renewal-date identification

Everything starts with the date: find (or, on request, I look up) your policy's renewal date and class – that's what sets the deadlines. Why this is the first step →

Online calculation and purchase – minutes

The online calculator gives you a direction from your car's details, with no obligation – the result reaches me and feeds into our shared work.

Offers in one table

Several insurers' competing offers in a shared table: premium with its terms, add-ons item by item, a picture of service – strengths, weaknesses, ready for a decision.

Switching or taking out cover: you decide, I handle it.

I start the new policy from the renewal date, get the written cancellation ready to sign by the deadline, and check the policy document – in this order.

At claim time: an orderly route

You report the claim through the insurer's claims line or online platform – that's the fastest route. If the case stalls or becomes disputed, I help the client, as broker, where I can.

The renewal-time routine

Roughly a quarter of an hour to 20 minutes a year: class, premium, add-ons, a fresh market picture. If you get in touch before your renewal date, I prepare the comparison – the decision stays yours.

The details of each step are in the Insights: finding your renewal date, the quote-request data list, reading the offer table, switching step by step, reporting a claim, the renewal-time routine.

Autumn band: the MTPL campaign period

The year-end weeks are the switching period for calendar-renewal policies – under the rules in force, typically the older and fleet segment. For us this isn't pressure to switch, it's a chance to compare: if the full picture is better elsewhere, we switch; if what you have is right, we stay. Most policies, though, “campaign” at their own renewal date – the renewal notice tells you when.

Who does the autumn period affect? →Where's my renewal date? →Switching checklist →
Should I even switch?

Timeline – what happens when?

  1. Today: online calculation (minutes) – a rough figure and a first look at the market, with no obligation.
  2. If you let me know before the renewal date: a fresh offer table – based on the current tariff publications and your details; I answer any questions you have.
  3. 40–30 days before renewal: decision and execution – if switching, a new policy from the renewal date plus a written cancellation sent by the deadline; if staying, any necessary adjustments.
  4. Renewal week: checking the policy document together – start date, class, add-ons; setting up the payment method for the new premium.
  5. During the year: handling changes – changing cars, moving house, registered-keeper matters; the notifications filed by the deadline.
  6. If you let me know before the renewal date: the routine repeats – a fresh comparison, a quarter of an hour, peace of mind.

And what comes after taking out the policy – ongoing support

What do I ask of you in total? One calculation or one 20-minute conversation, a few accurate details about your car, and one decision at each renewal. The rest of it – comparison, paperwork, checks – is work I do on your behalf – when the insurer's renewal notice arrives, a quick message to me is enough. Signing the cancellation and paying the premium remain the policyholder's legal responsibility. Advice is free; the intermediary's fee is paid by the insurer.

Ask for quotes – the first step takes 20 minutes.

With an independent broker, insurers compete for you – not the other way round. My advice is free of charge.

📞 +36 20 362 6835✉️ info@tukacs.com
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