Modified stop in Metz on Sundays.
Please allow us to briefly introduce the Insurance coverage of passengers travelling on lines operated by Volánbusz Zrt. This insurance product is offered to travellers on the basis of an agreement between Volánbusz Zrt. and Allianz Hungária Biztosító Zrt. (hereinafter: the Insurer).
The present Client Information Brochure is intended solely for your information and it does not replace the insurance terms and conditions.
Contrary to the earlier version, the present insurance contract beetween the Insurer and Volánbusz offers enhanced services and new coverage modules for new types of risks.
In consideration of the payment of the insurance premium by Volánbusz Zrt., and subject to the terms and conditions herebelow the Insurer undertakes to indemnify passengers travelling on local and intercity bus lines or chartered buses owned or operated by Volánbusz Zrt. in respect of loss or damage arising out of an insured event.
The term "Insured Persons" shall refer to passengers whilst travelling on the above mentioned vehicles of Volánbusz Zrt. or by its subcontractors with a valid ticket, pass or other document which entitles the holder to travel on such vehicles which shall be operated on areas allocated for passenger transport.
As regards coverage in respect of each individual passenger, such coverage shall attach when passengers holding a valid ticket, pass or other form of entitlement get on vehicles operated by Volánbusz Zrt. or its subcontractor or when they enter the area allocated for passenger transport, and will continue to be in full force and effect until passengers leave the vehicle or the area allocated for passenger transport. The territorial scope of coverage is Hungary only. Areas allocated for passenger transport shall be understood to mean the premises of bus stations, stops where passengers may ascend or descend from vehicles, or, in the absence of such stops, the spot where such ascent or descent is possible and the place is indicated with a "bus stop" ("autóbusz-megállóhely") sign.
The Insurer shall provide indemnification in respect of the following events:
The following events must occur accidentally, and in connection with the coverage provided by the Insurer:
Under this policy, the following events shall be deemed to constitute an insurance event: due to causes beyond his/her control, the Insured Person is affected by a sudden external impact, as a consequence of which the insured Person
Elevation, sprain of joints, frostbite, heliosis, heat apoplexy,intervertebral disk injury, hernia, stroke and bleeding from causes other than accidents shall not constitute an insurance event. Robbery shall mean felonious appropriation of insured property by using violence or threatening life or bodily integrity of Insured.
Insurer shall provide the following benefits on occurrence of an insurance event:
The passenger affected by an insurance event shall report such event to the bus driver, or, if it took place in the area allocated for passenger traffic, to the competent manager, in the course of the travel. The on-board staff or other competent staff member shall take a record of the insurance event on the spot or the nearest designated Volánbusz facility, which shall be sent to the Insurer wihin 8 days.
Should the passenger – on account of the injury sustained - be unable to report the insurance event, then the representative of Volánbusz Zrt. shall proceed to take records of the event ex officio. Should the insurance event take place in a passenger area within the Volánbusz facility, and no records may be taken, then the burden of proof to verify occurrence of the event shall be with Insured (e.g. by way of police or ambulance records on the accident). Should the damage to luggage arise from robbery, the aggrieved passenger shall report the crime also to the police, in which case payment of indeminification is subject to the final resolution of the police or the court. Insurer shall have access to any and all documents and proof that are required for assessing the claim.
In addition to the documents required for verifying and assessing the claim for damages (e.g. death certificate, official certificate, final resolution, medical documents, hospital discharge report), the photocopy of the travel ticket, pass or any other form of entitlement valid on the day of the accident and the records taken by Volánbusz Zrt. shall also be provided to Insurer. The claim shall be filed in writing by Insured at any branch of Allianz Hungária Biztosító Zrt, or at the customer service of Alkuszi és Nagyvállalati Igazgatóság (Address: 1117 Budapest, Galvani út 44., Mailing address: 1519 Budapest, Pf.: 530 ), within 8 days of occurrence thereof. Insurer shall provide the indemnification to verified claimant within 30 days of receiving the last document necessary for verifying entitlement to the claim.
Claims under the insurance policy shall lapse after two years of its effective date.
Insurer will be exempted from liability hereunder
Insurer will be exempted from payment of idemnification for damage to luggage,
Insurer will not provide indemnification on account of accidents, and assume no risks of damage to luggage or clothing, if
the insurance event occurred due to
Insurer will not provide indemnification, if Insured failed to subject himself to medical treatment prescribed on account of an accident suffered by him, or failed to observe medical instructions, thereby hindering recovery, or causing illness to himself.
As regards risk elements under the accident insurance, imperfect bodily organs and parts of the body in place before the accident are excluded from Insurer’s coverage.
Further reasons for exclusions from Insurer’s coverage in case of coverage for hospitalisation due to accidents are as follows:
The following items shall not be deemed as luggage, and other assets not covered hereunder, are as follows:
Furthermore, the following documents shall be required for indemnification in case of damage to luggage:
Pursuant to Act LX of 2003 on insurance companies and insurance business, Insurer and agent is under obligation of confidentiality as regards any data that pertain to the personal circumstances, wealth and economic operation of clients, or the policy concluded with Insurer. Insurer may only disclose insurance secret to third parties if
Pursuant to Section 157 of the Act on Insurance Companies, the obligation of confidentiality shall not apply in contacts with certain organisations. In certain cases, Insurer is entitled to disclose data to these organisations without preliminary consent of client in writing. These organisations include the following:
Insurer shall be obliged to provide data to the national security service forthwith upon becoming aware of possible connection of the insurance transaction with drug trade, terrorism, illegal arms deal or money laundering.
Insurer shall be obliged to furnish the investigative authority with any data deemed as insurance secret that relates to a case under its management, provided that the enquiry served thereto bears the inscription “urgent measure required”, even if public prosecutor’s approval as specified by law is missing.
Insurer shall retain and may not disclose to any third party any business secret deemed also as insurance secret that becomes known to Insurer on the operation of Client. The obligation to retain business secret shall not be applied – in addition to organisations listed in Section 157 of the Act on insurance companies – in contacts with:I. The National Bank of Hungary;
II. The investigative authority and public prosecutor in investigating the facts of the case reported as crime thereto,
The court of justice when acting in the municipality debt reorganisation procedure; both in performing their duties in relation to the case that gave rise to the procedure.
Transfer of data by Insurer to third country insurer or data processing organisation (third country data processign organisation) shall not be deemed as illegal disclosure of insurance secret provided that Insurer’s Client (data subject) had consented thereto in writing and subject to compliance of data processing at third country data processing organisation with requirements specified in Hungarian law, and provided that the state as per the seat of the third party data processing organisation has adequate laws in force that provide for security of data corresponding to requirements laid down in Hungarian law. Transfer of data deemed as insurance secret to another Member State shall be perfomed in compliance with the provisions on Hungarian law pertaining to data transfer within the country.
Provision of aggregate data from which the personal particulars or business data of clients may not be identified as well as provision of data not qualifying as personal data to the Ministry of Finance for the purposes of legislative tasks and performing impact studies shall not be deemed as infrigement of insurance secret. Insurer may not reject provision of such data claiming protection of insurance data.
In performing its insurance tasks, Insurer will resort to the services of external service providers when it requires the special expertise of its contractual partner to render its services, or when the services thus provided will enable Insurer to render its own services at the same quality yet at lower cost or at lower price.
Insurer – with a view to informing clients – will post the list of its contractual partners involved in performing insurance services and therefore aware of personal and insurance data, at its premises open for the clientele. Further information on these companies and enterprises acting on assignment from Insurer is available at phone No. 06-40-421-421. These service providers are under obligation to safeguard insurance secret made known to them in accordance with the Act on insurance activities, the special data protection regulations in force at the particular trade and the agency contracts concluded with Insurer, without limitation to time, and may not disclose such data to third parties.
Should you have any questions or complaints, please contact the appropriate branch of Allianz Hungária Biztosító Zrt. as per your residence or the Central Customer Service operated at the headquarters of the Insurer (address: 1054 Budapest, Bajcsy-Zsilinszky út 52., Mailing address: 1368 Budapest, Pf. 191.), where a competent staff is at your service. Should we fail to properly address your complaint, or feel dissatisfied with the insurer’s services, you may resort to the Hungarian Financial Supervision Authority, (1013 Budapest, Krisztina krt. 39.), the Consumer Protection Superintendence, mediation bodies or may resort to court action.
Allianz Hungária Biztosító is a market-leading insurance company in Hungary. Since 1990, the company is a member of the Allianz Group, which is market-leading company in Europe, which is one of the biggest insurance and financial power-house in the world. Headquartered in Germany, Allianz was the first and most significant western-european investor in Hungarian financial markets.
The four major lines of business include property and accident insurance, life and health insurance and asset management.
With the opening of Allianz Bank in October 2006, a financial power-house came to being, constituting a step forward from being an insurance company and – while retaining its market-leading position in industrial and car insurance – to offering bank services to clients, thereby introducing advanced financial culture in Hungary.
We meet clients’ increasing and more complex needs by relying our knowledge and expertise obtained in dealings with outstanding international partners and experience of many years in domestic markets.
Registered seat: 1054 Budapest, Bajcsy-Zsilinszky út 52. mailing address: 1368 Budapest, Pf. 191. Co. Reg. No.: Municiapl Court of justice acting as Court of Registration Cg. 01-
10-041356. Headquarters’ country of residence: Hungary. Supervisory body: Hungarian Financial Supervisory Authority (address: 1013 Budapest, Krisztina körút 39.).
Our staff at the customer service of regional branches or the central customer service at the headquarters of the Insurer are ready to provide further information on insurance products and other issues that may be of interest.
Please be advised that in respect of the accident and luggage insurance for passengers travelling on local and intercity bus lines or chartered buses operated by Volánbusz Zrt. and its subcontractors the provisions of Hungarian law shall apply.
For further information please contact our staff in person at the branched all across the country, over the phone at 06-40-421-421 or more detailed information is available on our corporate website at www.allianz.hu.May you have pleasant and safe travel!