ERGO Group AG

Driver age and experience limit

No general minimum age or licence-duration applies to Kasko cover itself. The optional Rabattschutz (no-claims-class protection) module can only be taken out if the youngest driver has turned 23 and both Kfz-Haftpflicht and Vollkasko are already rated at SF-Klasse 4 or higher; all persons who drive the vehicle, even occasionally, must be declared (Fahrerkreis).

Repair network requirements

By default, policyholders may choose their own repair workshop. If the optional Werkstattbonus module is selected for a car, ERGO designates the workshop; the policyholder must have repairs carried out there to receive benefits (6-year warranty, collection/return service, replacement vehicle). Using a non-designated workshop while this module is active reduces the payout by 20%, at least EUR 100.

Territorial scope

Cover generally applies within the geographical borders of Europe and the non-European overseas territories of the EU. For accidents abroad involving a foreign-insured vehicle, the optional Ersatzfahrzeug Plus module extends Vollkasko cover (Auslandsschadenschutz) and waives the deductible.

Anti-theft requirements

The conditions do not impose a specific technical anti-theft device (e.g. alarm or immobiliser) as a precondition for theft cover. The policyholder must, however, notify the police without delay in the event of theft, fire or a collision with an animal, and report the theft or loss of the vehicle or its keys to ERGO in text form.

Claim notification deadline

Every claim event that may lead to a payment must be reported to ERGO without undue delay ('unverzüglich'). Theft of the vehicle, its parts or a key must be reported in text form (letter, fax, email). Damage expected not to exceed EUR 500 may be settled by the policyholder directly; otherwise ERGO must be informed immediately.

Deductible rules

An agreed deductible (Selbstbeteiligung) is deducted from every claim payment and applies separately per insured vehicle and per claim. It is waived for windscreen (not full-glass) repairs where the repair cost does not exceed the deductible, and for Vollkasko claims arising from accidents abroad with a foreign-insured vehicle that is fully liable.

Workshop service / repair network

ERGO provides workshop pickup and delivery service; claims must be reported and repairs conducted at ERGO partner workshops (with optional workshop binding bonus for premium reduction)

New price indemnity (Neupreisentschädigung)

For total loss within 24-36 months of first registration (depending on product), ERGO reimburses full new price instead of time value; for used vehicles up to 4 years old, purchase price is reimbursed for 24-36 months

Claims settlement procedure (direct service vs. reimbursement)

ERGO handles complete claim settlement directly with partner workshops when workshop binding is selected; otherwise settlement may be by reimbursement to policyholder

Electric and hybrid vehicle coverage (Elektro Plus)

All-risk coverage for traction battery (Gesamtschadendeckung) of electric and plug-in hybrid vehicles; covers battery short-circuit damage up to 7,000-10,000 EUR; charging cable and charger covered up to 1,000 EUR

Waiver of gross negligence defense

Optional module allowing policyholder to waive ERGO's defense based on gross negligence in higher-tier tariffs (Best product)

Bonus/discount payback (Schadensrückkauf)

Optional module allowing policyholder to repay claim amount within one year after settlement to prevent loss of discount class; available for comprehensive coverage

Replacement vehicle module (Ersatzfahrzeug Plus)

Optional module providing a same-class replacement vehicle in Germany for up to 14 days after a Kasko claim, or EUR 50/day usage-loss compensation if unused; not paid for pure glass-breakage claims. In Vollkasko it also adds Auslandsschadenschutz (accidents abroad with a foreign-insured vehicle).

Damage assessment and repair conditions

ERGO may require expert inspection of damage; repair work must be performed by appointed repair network; financial total loss threshold applies

Claim notification timeline (Schadenmeldung)

Policyholder must notify ERGO without undue delay (unverzüglich) of damage event; claims can be reported online, by phone, or through broker

Wear and tear exclusion

Wear and tear repairs (Verschleißreparaturen) are not covered under comprehensive or partial casco; tire-only damage not insured unless accompanied by other vehicle damage

Intentional or reckless damage exclusion

Damages caused deliberately or maliciously by insured or authorized driver are not covered; reckless conduct (grobe Fahrlässigkeit) may be covered under certain product tiers

Partial casco insured events (Teilkasko Leistungen)

Partial casco covers natural forces (lightning, storm, hail, landslide), theft, burglary, animal collision, glass breakage, and environmental damage; does NOT cover self-caused accidents

Comprehensive casco additional insured events

Comprehensive casco includes all partial casco events PLUS self-caused accidents (including at-fault), and malicious damage (vandalism) by third parties