Insurance for passengers travelling on domestic and international special services

Insurance for passengers travelling on domestic and international special services

Insured party

In the case of domestic and international special services, a person who is on the passenger list for the entire duration of the special bus service and who lawfully uses the services of Volánbusz Zrt (hereinafter the contractor). The insured party (beneficiary) is entitled to the insurance service, and in the event of their death in a traffic accident, the legal heir of the insured party.

Risk assumption by the Insurer

Territorial scope: Europe.

The risk period on domestic and international special services of Volánbusz Zrt. starts from the moment of boarding the vehicle or entering the area for passenger transport purposes, covers the entire duration of the journey, and lasts until the vehicle or the passenger area is vacated. Areas of bus terminals and areas of bus stops designed for boarding purposes are considered areas for passenger transport purposes or, if there is none, the areas of boarding and alighting points marked with a sign ‘bus stop’, or a rest area used during the journey for traffic or traffic management reasons (e.g., a petrol station). The cover does not include other periods of the journey not mentioned above (e.g., time spent in accommodation, etc.).

Insurance events

• death in a traffic accident
• permanent disability due to traffic accident (10-100%)
• daily allowance for hospitalisation due to an accident
• fracture, transient injury lasting more than 28 days
• damage to luggage or clothing
• compensation for costs arising out of an accident
• replacement of personal documents arising out of an accident

Under the terms of the insurance, an accident is defined as a sudden and involuntary external impact on the insured party, which results in death, bodily injury or permanent impairment of health.

Insurance services

The details of the insurance services are set out in the ‘Customer Information for passengers travelling on local, intercity, contract and rented buses operated by Volánbusz Zrt. and its subcontractors, and for passengers travelling on international journeys with a ticket purchased from Volánbusz Zrt.’ (hereinafter ‘Customer Information’).

Table of Benefits

Reporting claims, settling claims

The insured event must be reported to the bus driver, or to the manager of the passenger area during the journey, if it occurs in the passenger area, or, in the case of travel on international special services, in writing to Volánbusz Zrt. if verbal communication is not possible. The personnel of the service or other competent employee (authorised representative) shall prepare a record of the claim event on the spot, or at the nearest designated service point of Volánbusz Zrt., which will be made available to the insured party within 8 days.

If the insured party is unable to declare the claim event because of the injury suffered, the representative of Volánbusz Zrt. will arrange recording it ex officio. If the claim event occurs in an area used for passenger transport and the record indicated above cannot be prepared, the burden of proof of the claim event lies with the insured party (e.g., on the basis of a police or ambulance accident report). If damage to luggage is caused by robbery, in addition to notifying the employee of Volánbusz Zrt., the injured party must also report the loss to the police, in which case a final decision of the police is required for the claim payment. The Insurer is entitled to inspect all documents and evidence necessary to assess the claim.

In addition to the documents necessary for the proof and assessment of the claim for the Insurer's services (e.g., death certificate, official certificate or final decision, medical documents, hospital discharge report), minutes taken by Volánbusz Zrt. are required. A detailed list of the documents required to enforce a claim is contained in the ‘Customer Information.

The policyholder, or alternatively, the beneficiary, must report the claim event in writing within 8 days of its occurrence, shall provide the necessary information and allow the insurer to verify the content of the notification and information.

The insurer will provide the benefits within 15 days of receiving all the documents necessary to assess the claim. Payments delayed due to late submission of a claim for a benefit or the documents required for its fulfilment, shall be made by the insurer free of interest.

The insured party or their heir(s) is (are) entitled to collect the benefit.

If an insured event occurs while travelling on an international special service and the passenger needs assistance, they can call the following assistance number, which is available 24 hours a day, every day of the year, in English or Hungarian.

+36 1 458 4483

Within the framework of the assistance service, the Insurer receives the notification of the claim and provides information.

Grounds for exemption, exclusions applied:

The cases of exemption and the exclusions applied are contained in the ‘Customer Information‘.

The following are not considered baggage, or are not insured assets:

• jewellery, valuables made of precious metals, works of art, collectors' items, precious furs, sunglasses (except spectacles), stamps and musical instruments, arms and ammunition;
• cash, domestic or foreign banknotes, cheques, postal orders, traveller’s cheques, travel tickets, bank cards, securities of any kind, petrol vouchers and other tickets.

After 2 years from the date of the occurrence of the insurance event, claims arising from the insurance are subject to expiry.

Information on the processing of personal data, complaints and settlement of disputes

The provisions on data management, and the detailed rules for handling complaints and disputes, are contained in the ‘Customer Information‘.

UNIQA Biztosító Zrt. wishes Volánbusz Zrt. passengers a pleasant journey.