Extracted from source documents

ERGO Casco (own-damage car insurance) (Casco Standard)

Underwritten by ERGO Insurance SE · Estonia

casco (own-damage car insurance) from ERGO for the Estonia market, with online purchase and 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2024-12-01Sources

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Key facts

ERGO

Unique selling points

Optional ERGO replacement-vehicle add-on: up to 60 days per year, arranged by ERGO, when the insured car is off the road due to a claim.

24/7 pan-European roadside assistance (ERGO Autoabi) included as standard for cars, vans and motorcycles, not sold as a separate extra.

Zero-deductible glass repair, plus an optional zero-deductible animal/bird collision cover that also pays for avoidance damage proven by dashcam footage.

With the optional car-replacement-cost add-on, an extra 10% of the vehicle's market value is paid on top of a total-loss or theft settlement.

Buying casco insurance through ERGO's online self-service (e-kontor) gives a 10% discount versus the standard price.

Coverage limits

Covered

Own damage coverage

Covered

The insured sum equals the vehicle's market value (or an agreed sum) immediately before the loss; there is no fixed EUR cap other than this insured value.

Clause 4.1Page 11

Section: 4. Mis on kindlustusväärtus ja kindlustussummad

Kindlustusväärtus on sõiduki turuväärtus (ehk sõiduki võimalik müügihind) Eestis vahetult enne kindlustusjuhtumi toimumist.

Covered

Total loss / theft payout

Covered

In case of theft, robbery, or when repair is not economically justified, ERGO pays the vehicle's insured value at the time of the loss, less policy deductions, deductible and unpaid premiums for the remainder of the period.

Clause 5.1.5Page 12

Section: 5. Millised on hüvitamise põhimõtted > 5.1. Kindlustushüvitise maksmise kord

Sõiduki röövimise või varguse korral või juhul, kui sõiduki taastamine ei ole majanduslikult põhjendatud, maksame välja sõiduki kindlustusväärtuse (nagu see oli kindlustusjuhtumi toimumise ajal), millest on maha arvestatud kindlustuslepingus märgitud kindlustushüvitise vähendused, omavastutus ja tasumata kindlustusmakse(d) selle aja eest, mis on jäänud kindlustusperioodi lõpuni.

Covered

Partial loss / repair costs

Covered

When repair is economically reasonable, ERGO reimburses justified restoration costs using parts of a wear grade matching the vehicle's age and condition, less deductible and any reductions.

Clause 5.1.6Page 12

Section: 5. Millised on hüvitamise põhimõtted > 5.1. Kindlustushüvitise maksmise kord

Kui sõiduki taastamine on majanduslikult otstarbekas, hüvitame põhjendatud taastamiskulud, millest arvestame maha kindlustuslepingus ette nähtud kindlustushüvitise vähendused ja omavastutuse.

Covered

Theft and robbery

Covered

Covers damage from theft, robbery or attempted theft/robbery of the vehicle or its parts, provided the required anti-theft device was fitted, functional and activated at the time (activation not required for robbery).

Clause 2.1.5Page 4

Section: 2. Mida kindlustus katab > 2.1. Kindlustusjuhtumid ja kindlustuskaitsed ning nendega seotud nõuded ja piirangud

Hüvitame sõiduki või selle osa(de) vargusest, röövimisest või varguse, röövimise katsest tekkinud kahju juhul, kui sõidukil oli juhtumi toimumise ajal meie poolt nõutud, töökorras ja sisselülitatud vargusevastane seade (seadme sisselülitamise nõue ei kehti röövimise korral).

Covered

Glass damage

Covered

Damage to the vehicle's glass from a sudden external force is covered under the base policy; glass repair carries no deductible, and a separate, lower deductible for glass replacement can optionally be chosen.

Clause 2.2.3Page 6

Section: 2.2. Lisakindlustuskaitsed > 2.2.3. Klaasikindlustus

Klaasiparanduse või klaasivahetuse hüvitame juhul, kui sõiduki klaasid olid kahjujuhtumi toimumise ajal kahjustamata. Lepingus on Teil võimalik valida klaasikahjude hüvitamisele põhiomavastutusest erinev omavastutus.

Covered

Natural perils

Covered

Covers damage from storm (wind speed at least 18 m/s), flooding, hail and other natural forces where the damage pattern or weather data confirms the cause; no deductible applies if the vehicle is destroyed by a natural disaster.

Clause 2.1.2Page 4

Section: 2. Mida kindlustus katab > 2.1.2. Loodusõnnetus

Hüvitame tormist (tuule kiirus vähemalt 18 m/s), üleujutusest, rahest ja muudest loodusjõududest tingitud kahju, kui kahju iseloom, ilmajaama andmed või kõrval olevate esemete kahjustused viitavad nendele asjaoludele.

Covered

Vandalism

Covered

Covers damage to the vehicle or its parts caused by a third party's unlawful act aimed at damaging or destroying the vehicle.

Clause 2.1.3Page 4

Section: 2. Mida kindlustus katab > 2.1.3. Vandalism

Hüvitame sõidukile või selle osa(de)le tekitatud kahju, mille põhjuseks on kolmanda isiku õigusvastane tegevus, mis on suunatud sõiduki või selle osa(de) rikkumisele või hävitamisele.

Covered

24/7 roadside assistance (ERGO Autoabi)

Covered

Included at no extra charge for standard-use passenger cars, vans (up to 3,500 kg) and motorcycles/mopeds (categories L3, L4, L5, M1, M1G, N1, N1G); covers jump-starts, fuel delivery, tyre-change help, recovery, towing, key assistance and up to two nights' accommodation abroad; must be ordered via the ERGO Autoabi app or the phone number stated on the policy.

Clause 2.2.1Page 4

Section: 2.2. Lisakindlustuskaitsed > 2.2.1. ERGO autoabi

Hüvitame autoabi kulud ootamatute juhtumite korral, kui sõidu-, pakiauto või mootorrattaga (sõidukid registrimassiga kuni 3500 kg ja mis kuuluvad kategooriasse L3, L4, L5, M1, M1G, N1, N1G) edasisõit on takistatud.

Optional

Replacement vehicle (ERGO asendusauto)

60 days

Optional add-on giving up to 60 days of replacement vehicle per annual insurance period for a standard-use passenger or van, provided expected repair time exceeds 12 hours; not issued outside Estonia (documented rental costs abroad are reimbursed instead up to the policy limit).

Clause 2.2.2Page 5

Section: 2.2. Lisakindlustuskaitsed > 2.2.2. ERGO asendusauto

Kui Teie kasutuses olevat sõidukit ei saa kindlustusjuhtumi tõttu kasutada, pakume Teile asendusautot kuni 60 päevaks aastase kindlustusperioodi jooksul.

Optional

Driver and passenger accident insurance

Optional

Optional add-on paying a lump sum for permanent disability or death of the driver, optionally extended to all passengers, resulting from an insured vehicle event; sums for death and permanent disability are stated per person on the policy.

Clause 2.2.16Page 9

Section: 2.2. Lisakindlustuskaitsed > 2.2.16. Sõidukijuhi ja reisija õnnetusjuhtumikindlustus

Maksame poliisil märgitud sõiduki juhi ja reisija õnnetusjuhtumikindlustuse hüvitise sõidukiga toimunud kindlustusjuhtumi tagajärjel sõidukijuhile ja sõidukis viibinud reisijatele (kui kaitse on valitud ka reisijatele) tekkinud püsiva puude või surma korral.

Key conditions

Driver age and experience limit

No minimum driver age or licence-holding period is set for casco cover; damage is not covered if the driver had no licence for the vehicle category.

SourcePage 1

Section: Kas kindlustuskaitsel on piiranguid?

kui sõidukijuhil puudus vastava kategooria sõiduki juhtimise õigus;

Repair network requirements

For vehicles under full manufacturer warranty, ERGO bases reimbursement on repair at the manufacturer's dealership or a workshop accepted by it; for vehicles over 5 years old without valid warranty, dealership repair is accepted only if the vehicle has been consistently and timely serviced there. ERGO or the policyholder may choose the repair location, and ERGO may organise the repair itself.

Anti-theft requirements

Theft/robbery cover applies only if the required anti-theft device was fitted, functional and switched on at the time of the loss (switching on is not required for robbery); the policyholder is responsible for the device's presence and working condition.

Claim notification deadline

The policyholder must notify ERGO at the first opportunity, providing details of the event, estimated loss and parties involved; if a stolen/robbed vehicle is later recovered, ERGO must be informed in writing within 2 business days, and tachograph data (where applicable) must be submitted within 2 business days of the loss.

Deductible rules

A deductible applies per insured event and may be a fixed sum or a percentage of the loss; several independent, separately occurring damages in one incident can each carry their own deductible. No deductible is applied when: the vehicle is destroyed by a natural disaster, a glass repair is made, ERGO Autoabi services are used, the ERGO replacement vehicle add-on is used, an animal/bird collision occurs under the optional zero-deductible cover, or the zero-deductible glass-replacement option was chosen.

Direct payment

Claims are settled either by direct payment to the repair workshop chosen by the policyholder, by ERGO arranging and paying for the repair directly, or, if the policyholder declines direct settlement, by cash reimbursement calculated using wear-adjusted spare-part prices and a labour cost reduced by 35% if repair invoices are not submitted.

Territorial scope

Europe, excluding Ukraine, Belarus, Russia, Azerbaijan, Georgia, Kazakhstan, Moldova and Turkey

Documents

ERGO Casco Insurance Terms and Conditions (opens in a new tab)

Terms & conditions · PDF

ERGO Casco Insurance Product Information Document (IPID) (opens in a new tab)

Product information sheet · PDF

ERGO General Insurance Terms and Conditions (opens in a new tab)

Policy specifics

Glass damage coverage with zero deductible on repairs

No deductible applied to glass repairs (but separate optional deductible available for replacements)

SourceClause 2.2.3Page 6

Section: 2.2. Lisakindlustuskaitsed > 2.2.3. Klaasikindlustus

Me ei rakenda omavastutust klaasiparanduse korral.

Animal/bird collision with zero deductible option

Optional add-on coverage for animal or bird collisions with zero deductible, and covers collision avoidance damage if supported by dashcam recording

SourceClause 2.2.4Page 6

Section: 2.2. Lisakindlustuskaitsed > 2.2.4. Loomale või linnule otsasõidu lisakindlustus

Loomale või linnule otsasõidust tekkinud kahju hüvitame omavastutust rakendamata. ... Loomale või linnule otsasõidu vältimisest tingitud kahju hüvitame omavastutuseta eeldusel, et juhtumist on olemas videosalvestis ja sellelt on tuvastatav looma või linnuga kokkupõrke vältimine.

Replacement vehicle provision (up to 60 days)

Optional add-on providing replacement vehicle for up to 60 days per annual period when insured standard-use passenger car or van cannot be used due to insured event

SourceClause 2.2.2Page 5

Section: 2.2. Lisakindlustuskaitsed > 2.2.2. ERGO asendusauto

Kui Teie kasutuses olevat sõidukit ei saa kindlustusjuhtumi tõttu kasutada, pakume Teile asendusautot kuni 60 päevaks aastase kindlustusperioodi jooksul.

24/7 European roadside assistance included

Included at no extra charge for standard-use passenger cars, vans and motorcycles; service covers jump-start, fuel delivery, tire change assistance, vehicle recovery, towing, key assistance, and accommodation reimbursement

SourceClause 2.2.1Page 4

Section: 2.2. Lisakindlustuskaitsed > 2.2.1. ERGO autoabi

Hüvitame autoabi kulud ootamatute juhtumite korral, kui sõidu-, pakiauto või mootorrattaga ... edasisõit on takistatud.

New value insurance (optional coverage)

Optional coverage for new vehicles where full original purchase price (plus registration fees and motor tax if applicable) is reimbursed in case of total loss within 12 months and under 30,000 km from first registration

SourceClause 2.2.6Page 6

Section: 2.2. Lisakindlustuskaitsed > 2.2.6. Uusväärtuskindlustus

Hüvitame kindlustuslepingus märgitud kindlustusjuhtumi tagajärjel hävinenud või varastatud sõiduki ostuhinna, kui on täidetud kõik alljärgnevad tingimused...

Legal assistance insurance for vehicle-related disputes

Optional coverage providing consultation and behavioral guidance through ERGO legal assistance hotline; covers legal costs up to insured sum limit for vehicle-related contractual, property right disputes or issues

SourceClause 2.2.17Page 10

Section: 2.2. Lisakindlustuskaitsed > 2.2.17. Sõidukiomaniku õigusabikulude kindlustus

Poliisile märgitud õigusabikulude kindlustuse kindlustussumma ulatuses katame õigusabikulud, mis võivad Teil tekkida kindlustatud sõidukiga seotud õiguslike vaidluste korral.

Accident insurance - optional add-on for driver/passenger disability or death

Optional add-on providing lump sum payment for permanent disability or death of driver (and optionally all passengers) caused by insured vehicle event; disability percentage assessed by ERGO medical expert one year after event based on ERGO accident insurance table

SourceClause 2.2.16Page 9

Section: 2.2. Lisakindlustuskaitsed > 2.2.16. Sõidukijuhi ja reisija õnnetusjuhtumikindlustus

Kindlustusjuhtumist põhjustatud püsiva puude olemasolu ja suuruse määrab meie ekspertarst pärast ühe aasta möödumist kindlustusjuhtumist.

Claims settled by direct payment to workshop or reimbursement

Claims are settled either by direct payment to the repair workshop chosen by policyholder or by cash transfer to policyholder's bank account; ERGO may designate the repair location or arrange repair directly at its discretion

SourceClause 5.1.1Page 12

Section: 5. Millised on hüvitamise põhimõtted > 5.1. Kindlustushüvitise maksmise kord

Hüvitamise vormid on rahalise hüvitise tasumine, kahjustatud sõiduki osade taastamine või vahetamine või sõiduki asendamise kulude hüvitamine.

Maximum vehicle age for standard coverage

ERGO provides motor hull insurance for passenger cars up to 20 years old and motorcycles/ATVs up to 15 years old

Source

Territorial scope restricted to Europe (with exclusions)

ERGO casco insurance is valid throughout Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey as specified in policy

SourceClause 3.2Page 11

Section: 3. Kus ja millal kindlustus kehtib

Kindlustusterritooriumiks on Euroopa, välja arvatud Ukraina, Valgevene, Venemaa, Aserbaidžaan, Gruusia, Kasahstan, Moldova ja Türgi.

Disclosure of vehicle use purpose required at underwriting

Policyholder must declare specific vehicle use at policy inception, including whether vehicle is used as: short-term rental, alarm vehicle, training vehicle, courier/delivery service, taxi (incl. Uber, Bolt, Wolt etc.) or rideshare service

SourceClause 1.1Page 3

Section: 1. Mida kindlustame > 1.1. Kindlustatud ese on

Kindlustuslepingus lepime kokku sõiduki kasutusala: tavakasutuse sõiduk, lühirendisõiduk, õppesõiduk, takso (sh sõidujagaja), alarm- või jälitussõiduk (sh turvafirma patrullsõiduk), kullerisõiduk.

Automatic deductible reduction with multiple ERGO policies

Deductible automatically reduced by EUR 100 when policyholder holds at least 3 different annual ERGO policies; qualifying policies include casco, home, motor third-party liability (excluding trailers), accident, legal assistance, and annual travel insurance

Source

Sources

ERGO Casco (own-damage car insurance)

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