ERGO Versicherung Aktiengesellschaft
ERGO
ERGO is a motor casco insurance for the Austria market with online purchase and 24/7 assistance.
Direct payment
ERGO settles repair costs directly with the partner workshop chosen from its Austria-wide network; repairs at non-partner workshops incur a 10% surcharge on repair costs in addition to the agreed deductible.
Geographic scope
Austria
No specific geographic/territorial coverage limits (e.g. Europe-wide validity) are stated in the reviewed sources.
Unique selling points
- Repairs at ERGO's Austria-wide partner workshop network come with a reduced deductible and full cost coverage by ERGO.
- 'Einmal Null - immer Null' guarantees that bonus levels -2 to 3 remain unchanged for the life of the contract, even after a claim.
- An optional gross-negligence waiver means ERGO still pays out even if the policyholder acted with gross negligence.
- The 'Elektro Plus' module is provided free of charge for pure electric vehicles, covering charging cable theft and short-circuit/animal bite damage.
- Full Casco can be arranged online in just 2-3 minutes.
Coverage limits
Own damage (collision/self-caused accident)
Covered
Full Casco (Vollkaskoversicherung/Kollisionskasko) reimburses damage to the insured vehicle from self-caused accidents, in addition to everything covered under Partial Casco.
Total loss
Covered
In case of total loss or loss of the vehicle, ERGO covers the expected restoration cost, or the replacement value less residual value, i.e. the amount needed to buy an equivalent vehicle in the same condition at the time of loss.
Partial loss / necessary repair costs
Covered
Necessary repair costs following an insured casco claim are covered, together with necessary recovery and towing costs to the nearest workshop.
Theft / robbery
Covered
Covered under Full Casco as part of the Partial Casco (Elementarkasko) benefits included in every Vollkasko policy, replacing damage from theft or robbery.
Glass damage
Covered
Glass breakage damage to front, side and rear windows is covered as part of the Partial Casco benefits included within Full Casco.
Natural hazards
Covered
Covers damage from natural hazards such as hail, storm, flooding, high water, lightning strike, rockfall, landslide, avalanches and snow pressure, as well as fire, explosion and collisions with wild game.
Vandalism
Covered
Full Casco additionally covers damage caused by malicious acts of third parties (vandalism) and parking damage caused by an unidentified third-party vehicle (e.g. hit-and-run in a car park).
Recovery/towing assistance
Covered
Necessary recovery and towing costs to the nearest workshop following an insured event are covered.
Replacement vehicle
No limit stated
Not addressed with a specific benefit amount in the available Austrian ERGO casco sources; not confirmed as included or excluded.
Driver accident cover
No limit stated
No dedicated driver personal-accident benefit was confirmed within the Full Casco product sources reviewed.
Key conditions
Driver age and experience limit
No specific driver age or experience limit is stated in the reviewed ERGO Austria casco sources.
Repair network requirements
The casco claim must first be reported via the ERGO website, customer portal, or advisor, and the vehicle repaired at an ERGO partner workshop from its Austria-wide network to benefit from full cost coverage and reduced deductible; otherwise the policyholder bears an additional 10% of repair costs on top of the contractual deductible.
Territorial scope
Not explicitly stated with defined geographic limits in the reviewed sources.
Anti-theft requirements
No specific anti-theft device requirements are stated in the reviewed sources.
Claim notification deadline
The claim must be reported via the ERGO website, customer zone, or advisor before repair; no specific number of days is stated in the reviewed sources.
Deductible rules
The deductible level is agreed in the policy; a higher deductible reduces the premium. Repairs at ERGO partner workshops apply the agreed, often reduced, deductible; repairs elsewhere add a 10% surcharge on repair costs on top of the contractual deductible.
Where to buy
Documents
Product Information Document - Motor Casco Insurance
IPID
Policy specifics
Self-driving accident coverage
Full Casco covers damages to the vehicle from accidents caused by the policyholder themselves, distinguishing it from Part Casco which does not
SourceNew vehicle replacement value
For total loss within 12 months of first registration, 100% of purchase price is reimbursed; declining percentages (90%, 80%) for vehicles 13-24 months old
SourceRepair workshop network
ERGO maintains an Austria-wide partner workshop network; repairs at partner workshops incur reduced deductibles; non-partner repairs incur 10% additional charge on repair costs
SourceVehicle documentation and key loss coverage
Coverage up to €250 for cost of replacement documents and keys in case of theft or loss
SourceGross negligence waiver
Optional add-on module: ERGO waives the defense of gross negligence, providing coverage even for reckless driving
SourceElectric vehicle protection module
Optional module 'Elektro Plus' provides coverage for charging cable theft, indirect lightning damage, smoldering damage (up to €1,000), and animal bite/short circuit damage (up to €7,000 or €10,000 in extended package)
SourceGAP insurance (loan/lease gap coverage)
Optional extension covering the financial gap between the settlement value paid by casco insurance and the remaining lease/credit obligation in case of total loss or theft
SourceSpecial equipment coverage
Optional module providing premium-free coverage of factory-installed special equipment and accessories up to €10,000
SourceMandatory partner workshop condition
Claims handling process requires notification via ERGO website or customer zone and selection of repair workshop from ERGO's partner network for standard deductible. Non-partner workshops incur 10% penalty on repair costs in addition to deductible
SourcePre-damage inspection for vehicles older than 1 year
Not established from the insurer's documents
For vehicles older than 1 year, ERGO Versicherung requires a pre-damage inspection (Vorschadenbesichtigung) before coverage becomes effective
SourceThird-party source, not the insurer's documentBonus-Malus (No Claims Discount) system
Standardized system assigning policyholders to levels 0-18; entry level is 9; bonus level 0 premiums are up to 60% cheaper than level 9; available add-on 'Einmal Null - immer Null' (Once Zero - Always Zero) protects bonus level for one collision or casco claim per calendar year
SourceOptional damage assessment prior to claim (for higher coverage)
Presentation of damage assessment or ERGO's requested self-valuation may be required for settlement above certain thresholds
Source