What is the uninsured period fee?
If a car is registered for road use, it must have valid compulsory motor third‑party liability insurance (KGFB/MTPL) for every day. If there is even one day without MTPL, the insurer will later charge an uninsured period fee.
Tip: check the MTPL status in the Instacar app to make sure the vehicle has valid insurance.
How to avoid the uninsured period fee
When buying a used car, take out MTPL (KGFB) from the day of the sale/purchase—this way you can avoid generating an uninsured period.
If the car is not in use, you can temporarily deregister it for one year, which can later be extended for another year. During this period you do not have to pay MTPL or vehicle tax.
Uninsured period fee in 2025
The amount depends on the vehicle category, power, how many days the car was uninsured, and the policyholder’s age.
For passenger cars, if the policyholder is at least 21 years old:
- 0–37 kW: HUF 850/day
- 38–50 kW: HUF 1,050/day
- 51–70 kW: HUF 1,180/day
- 71–100 kW: HUF 1,460/day
- 101–180 kW: HUF 1,750/day
- 181+ kW: HUF 1,850/day
For policyholders under 21, fees are 10–11% higher.
Paying the uninsured period fee in instalments
The insured operator (registered keeper) pays the fee—normally as a lump sum with a 30‑day deadline.
If the obligation arises for more than 120 days, you can request an instalment plan from the insurer.
If you fail to pay, the vehicle may be deregistered automatically by the authorities.