ERGO
ERGO is a motor casco insurance for the EE market with online purchase and 24/7 assistance.
Direct payment
Claims are settled by direct payment to the repair workshop or by cash transfer to the policyholder's bank account; ERGO may designate the repair location or arrange repair directly. No cash settlements.
Geographic scope
Europe
Europe excluding Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey
Unique selling points
- 24/7 European roadside assistance included at no extra charge in every casco policy, with no cap on towing or assistance costs.
- No deductible applied to glass repairs (only to replacements), and animal/bird collision can be added as a zero-deductible option with dashcam-supported avoidance cover.
- Deductible reduced by EUR 100 automatically when the policyholder holds at least 3 different annual ERGO policies, with no minimum threshold for the reduced deductible to fully cancel out.
- New-value insurance pays out the full original purchase price (plus registration fees and motor tax) in total-loss or theft cases for first owners within 24 months / 40,000 km when the policy is renewed with the same cover.
- 10% online purchase discount when buying through the ERGO e-office, with instant policy issuance and no additional transaction fees.
Coverage limits
Own damage (accident, collision, fire, explosion)
Covered
Covers damage to or destruction of the insured vehicle caused by an accident including road accident, fire, explosion, smoke and firefighting damage. The insured sum equals the market value of the vehicle at the time of the insured event unless otherwise agreed.
SourceTotal loss (write-off)
Covered
In the event of total loss (where repair is not economically justified) or theft/robbery, ERGO pays the market value of the vehicle at the time of the insured event, minus deductible and any outstanding premiums. New-value insurance available as optional add-on within 12 months / 30,000 km for first owners.
SourcePartial loss (repair costs)
Covered
Where repair is economically justified, ERGO reimburses reasonable repair costs using parts appropriate to the vehicle's age and condition, minus deductible. If the policyholder opts for a cash settlement instead of direct repair payment, the repair service price is reduced by 35%.
SourceTheft and robbery
Covered
Covers damage caused by theft, robbery or attempted theft/robbery, provided the required anti-theft device was active and functioning at the time of the incident (activation requirement does not apply to robbery). Theft/robbery deductible is 15% of the damage amount, minimum EUR 200 (EUR 300 for motorcycles).
SourceGlass damage
Covered
Covers sudden and accidental external force damage to vehicle glass requiring repair or replacement. No deductible applies to glass repair. For glass replacement the standard policy deductible applies unless a lower separate glass deductible has been selected. Glass coverage excludes sunroofs, transparent plastic or other transparent parts.
SourceNatural perils (storm, flood, hail)
Covered
Covers damage caused by storm (wind speed at least 18 m/s), flood, hail and other natural forces, confirmed by weather station data or surrounding damage characteristics. No deductible applies when the vehicle is destroyed by a natural disaster.
SourceVandalism
Covered
Covers damage caused by third-party unlawful acts directed at damaging or destroying the insured vehicle or its parts.
Source24/7 Roadside assistance (ERGO Autoabi)
Covered
Included at no extra charge for standard-use passenger cars, vans (M1, M1G, N1, N1G, up to 3,500 kg) and motorcycles. Service covers jump-start, fuel delivery, tire change assistance, vehicle recovery from sand/snow/ditch, towing (to chosen workshop in Estonia; to nearest workshop abroad), key assistance, and accommodation reimbursement for 2 nights abroad. Available across the territory specified in the policy (Europe excl. excluded countries). Service must be ordered via the ERGO Autoabi app or by calling +372 655 5401.
SourceReplacement vehicle (ERGO Asendusauto)
Optional
Optional add-on providing a replacement vehicle for up to 60 days per annual insurance period when the insured standard-use passenger car or van (M1, M1G, N1, N1G) cannot be used due to an insured event. Vehicle is provided when expected repair time exceeds 12 hours. In case of total loss, theft or robbery, a replacement vehicle is provided until the compensation decision, but not more than 60 days. ERGO replacement vehicles are not issued outside Estonia; abroad, documented rental costs are reimbursed up to the daily maximum stated on the policy.
SourceDriver and passenger accident insurance
Optional
Optional add-on paying a lump sum for permanent disability or death of the driver (and optionally all passengers) caused by an insured event involving the vehicle. The insured sums for death and permanent disability are stated on the policy per person. Permanent disability percentage is assessed by ERGO's medical expert one year after the event based on the ERGO accident insurance table.
SourceKey conditions
driver_age_experience_limit
No explicit minimum driver age or experience requirement is stated in the policy terms beyond the general requirement that the driver must hold a valid driving licence for the relevant vehicle category (section 5.4.3). The insurer must be notified if the primary user of the vehicle changes.
repair_network_requirements
For vehicles under manufacturer's general warranty, repairs are settled based on restoration at an authorised dealer or a workshop accepted by the dealer. For vehicles over 5 years old without a valid warranty, authorised-dealer repair is accepted only if the vehicle has been consistently and timely serviced at an authorised dealer. For other vehicles, ERGO may designate the repair location; the customer may also choose a different workshop, in which case all reasonable costs are covered at reasonable rates.
territorial_scope
Coverage is valid in Europe excluding Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey. The territory can be modified by agreement with the insurer.
anti_theft_requirements
At the time of a theft or robbery incident, the vehicle must have had the anti-theft device agreed at contract conclusion in working order and activated (activation requirement does not apply to robbery). The policyholder is responsible for ensuring the presence and working order of the agreed anti-theft devices. If a GPS tracking device was agreed at contract conclusion and is found to be absent after theft, the claim may be refused.
claim_notification_deadline
In the event of an insured incident, the policyholder must notify ERGO as soon as possible and provide details of the incident, estimated damage, witnesses, parties involved and the liable party. Traffic accidents, theft, robbery and vandalism must be registered with the police. A fire incident must be reported to both the police and the rescue service. The policyholder must preserve the damaged vehicle for inspection before repair or disposal.
deductible_rules
Standard deductible for passenger cars and vans: EUR 200 per insured event (EUR 300 for motorcycles). For theft or robbery: 15% of the damage amount, minimum EUR 200 (EUR 300 for motorcycles). The deductible can be reduced by EUR 100 if the policyholder holds at least 3 different annual insurance policies with ERGO. No deductible applies when: (a) the vehicle is destroyed by a natural disaster; (b) glass is repaired (not replaced); (c) ERGO roadside assistance services are used; (d) ERGO replacement vehicle add-on is selected; (e) animal/bird collision add-on is selected; (f) zero-deductible glass replacement option is selected.
Policy specifics
Animal collision - zero deductible option
Optional additional protection where no deductible is applied for animal or bird collision; also covers collision avoidance damage if recorded by dashcam
Glass coverage with optional reduced deductible
Coverage for glass damage with zero deductible on repairs and optional lower deductible on replacements; separate deductible can be selected
New value insurance
Optional coverage for new vehicles where full purchase price is reimbursed in total loss within 12 months and under 30,000 km from first registration
Legal assistance insurance
Optional coverage for legal consultation and representation regarding disputes related to the insured vehicle
Vehicle age limit
Coverage available for passenger vehicles up to 15 years old and motorcycles up to 10 years old
Standard deductible
Fixed deductible of EUR 200 for passenger vehicles applies to most claims; EUR 300 for motorcycles
Theft deductible
15% of damage amount in case of theft or robbery, but not less than EUR 200 (EUR 300 for motorcycles)
Insurance territory
Coverage valid in Europe excluding Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey
Standard contract period
Insurance contract is one year fixed term; renewable
Claims settlement timeline
Most vehicle damage claims are settled within 1 working week
Repair network and flexibility
ERGO has network of authorized repair partners but customer can choose other workshops; all reasonable costs covered if reasonable charges