A foreign client, an international contract, an English-language tender, or an email from a German partner – translating liability insurance terminology in situations like these isn't a matter of style but of substance: the wrong match can lead to the wrong cover. This mini dictionary sets out the most common terms in three languages – for full definitions of the concepts, see the glossary.
- The matches are for guidance only: the content of Anglo-Saxon and German products doesn't always map exactly onto Hungarian ones.
- In an international contract, the definition always governs, not the label – if in doubt, check with us (foreign client expectations).
Types of cover
| Hungarian | English | Deutsch |
|---|---|---|
| tevékenységi (általános) felelősségbiztosítás | public liability insurance | Betriebshaftpflichtversicherung |
| szakmai felelősségbiztosítás | professional indemnity insurance | Berufshaftpflichtversicherung |
| termékfelelősség | product liability | Produkthaftung |
| munkáltatói felelősség | employer's liability | Arbeitgeberhaftung |
| magánemberi felelősségbiztosítás | personal liability insurance | Privathaftpflichtversicherung |
Elements of the policy
| Hungarian | English | Deutsch |
|---|---|---|
| fedezeti limit | limit of indemnity | Deckungssumme |
| önrész | deductible / excess | Selbstbeteiligung |
| retroaktív dátum | retroactive date | Rückwirkungsdatum |
| utófedezet, kiterjesztett kárbejelentési időszak | extended reporting period | Nachhaftung / Nachmeldefrist |
| kizárás | exclusion | Ausschluss |
| területi hatály | territorial scope | örtlicher Geltungsbereich |
| fedezetigazolás | certificate of insurance | Versicherungsbestätigung |
Claims vocabulary
| Hungarian | English | Deutsch |
|---|---|---|
| károsult | injured party / claimant | Geschädigter |
| kárigény | claim | Schadenersatzanspruch |
| kárbejelentés | claim notification | Schadenmeldung |
| kárrendezés | claims handling / settlement | Schadenregulierung |
| sérelemdíj | grievance award (HUN legal concept) | Schmerzensgeld (ähnlich; ungarisches Rechtsinstitut) |
| szerződő | policyholder | Versicherungsnehmer |
| biztosított | insured | Versicherter |
Sérelemdíj and Schmerzensgeld are concepts from different legal systems – the match is approximate; the applicable law in force governs the specific case.
If you've come across an insurance requirement in a foreign language and the match isn't clear: send us the text, and we'll clarify it at a free consultation – here, translation is a question of cover.
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