If you let me know before the renewal date or when you get a new car, I request competing quotes from several insurers – the online calculator gives you a quick indication within minutes, and I hand over the comparison and prepare the signing paperwork, also checking the bonus grade and non-payment traps. Calculate online, I'll prepare the rest.
🎮 Bonus Ladder – reach B10 without a crash!
If you get in touch before your renewal date, I prepare a fresh comparison table of offers – the decision and signing are quick, but the process is bound to deadlines. I do not undertake separate renewal-date monitoring: the renewal notice comes from the insurer.
Your bonus grade is an asset – we protect it when you move or change cars.
The comparison runs on Eurorisk’s system – the result lands with me, and we finalise it together.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
The full process – with a timeline, the campaign band and the renewal-time routine: How it works →
The bonus-malus system rewards claim-free driving: 15 classes, one step up per claim-free year, a step down after an at-fault claim. Its three core rules, explained simply.
Read →Comparing offers, a new policy from your renewal date, written cancellation on time, a final check: six steps to switch MTPL insurer that help you avoid ever leaving a day uncovered.
Read →Days without MTPL cover attract an uncovered-period fee: its rate is published annually and typically runs well above normal premiums. How it arises, and how to avoid it.
Read →You can claim from the at-fault driver's MTPL insurer, or your own casco cover – the insurer can be traced from the number plate. The process, deadlines and pitfalls.
Read →Hungarian MTPL is valid across the EEA; some countries require a Green Card, typically issued free of charge. What to do after an accident abroad, and claims at home.
Read →MTPL is bought by the registered keeper, not the owner – a distinction that matters for leased cars, company cars, and families. Explained with typical examples.
Read →By ordinary termination at the insurance anniversary – with the termination notice reaching the insurer in writing no later than the 30th day before the anniversary. Selling the car or permanently withdrawing it from circulation is not a termination: the contract ends through the loss of insurable interest (on a temporary withdrawal from circulation the contract is suspended for up to six months), and for a new vehicle a new contract must be taken out from the day you take possession of it. The renewal notice comes from the insurer – if you get in touch before the date, I prepare the comparison and the cancellation.
Your bonus follows you in the claims-history register; it does not stay with the insurer – the new insurer takes it over. We also protect it when you change cars or suspend cover.
If the policy lapses for non-payment, an uncovered-period fee is due, and the new policy may come at worse terms. A calendar reminder is cheaper – with me it's available on request.
No. The calculator runs on Eurorisk’s system and the result lands with me – I review it, and we only sign if it is worth it for you.
Yes – fleet MTPL can be taken out once the statutory conditions are met (the same registered keeper, with the same insurer, at least five vehicles). If that is not the case, we manage the vehicles under separate policies with aligned renewal dates.
30+ more questions and answers in six topics: the full FAQ →
The forms are in Hungarian. Completed copies can be returned by e-mail: info@tukacs.com.
Rudi holds the car key, Pajzsi winks at the bonus grade – even mandatory cover can be a considered choice.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
kotelezo.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer. In detail: on the About page.
