Insurer profile
ERGO Group AG
ERGO Group AG is one of the leading insurance groups in Germany and Europe, wholly owned by Munich Re. In Germany, it operates under the ERGO and DKV brands offering a broad portfolio of property & casualty, life, health, travel, and legal expenses insurance for private and corporate customers through multiple sales channels.
Source- Legal entity
- ERGO Group AG
- Headquarters
- Düsseldorf, Germany
- Parent group
- Munich Re (Münchener Rückversicherungs-Gesellschaft AG)
- Regulator
- Federal Financial Supervisory Authority (BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht)
- Phone
- +49 800 3746000
- kontakt@ergo.de
- Last verified
- May 1, 2026
Products from ERGO Group AG
motor
Motor Third-Party Liability Insurance
Mandatory motor liability insurance covering damages to third parties caused by the insured vehicle, with a flat coverage of up to 100 million euros.
motor
Comprehensive and Partial Motor Insurance (Full/Partial Casco)
Optional comprehensive (Vollkasko) and partial (Teilkasko) motor insurance covering damage to the insured vehicle from accidents, theft, weather events, and other perils.
motor
Motorcycle Insurance
Insurance for motorcycles including mandatory liability and optional comprehensive/partial casco coverage with customisable modules.
motor
E-Bike Insurance
Specialised insurance for e-bikes and pedelecs covering theft, damage, and liability risks.
motor
Motorhome / Campervan Insurance
Insurance for motorhomes and campervans combining mandatory liability with optional casco protection.
property
Home Contents Insurance
Covers damage to or loss of household contents from fire, water, burglary, and other insured perils, with optional add-ons such as bicycle protection.
property
Residential Buildings Insurance
Insurance for residential building owners covering structural damage from fire, water, storms, and other hazards.
property
Glass Insurance
Covers breakage of glass panes in windows, doors, and furniture against accidental damage.
liability
Personal Liability Insurance
Protects individuals from financial claims for personal injury or property damage negligently caused to third parties, with coverage up to 50 million euros.
liability
Dog Owner Liability Insurance
Liability coverage for dog owners against claims arising from damage caused by their dog to third parties.
liability
Horse Owner Liability Insurance
Liability coverage for horse owners against damages caused by their horse to third parties.
liability
Homeowner / Landlord Liability Insurance
Liability insurance for residential landlords and property owners against claims by tenants or third parties injured on the property.
liability
Commercial Liability Insurance
Liability protection for small and medium-sized businesses and self-employed persons covering operational risks and damages caused to third parties.
liability
Legal Expenses Insurance (D.A.S.)
Comprehensive legal protection insurance covering legal fees and court costs in civil, employment, and traffic disputes, marketed under the D.A.S. brand by ERGO Versicherung AG.
health
Supplementary Dental Insurance
Supplementary dental insurance covering dental prosthetics, orthodontics, and tooth preservation, with immediate benefits and no waiting period.
health
Vision / Eye Insurance
Supplementary eye insurance providing subsidies for visual aids, glasses, and ophthalmological examinations, available as basic or premium plan.
health
Supplementary Hospital Insurance
Supplementary health insurance for statutory health insurance members covering chief physician treatment, single or double room, and daily hospital allowance.
health
Long-term Care Insurance
Private supplementary long-term care insurance providing financial support in the event of a care need, with state co-funding available.
health
Personal Accident Insurance
Individual accident insurance providing financial protection in the event of accident-related disability, loss of basic physical functions, or death, with modular coverage options.
life
Term Life Insurance
Term life insurance providing a lump sum payout to beneficiaries in the event of the policyholder's death during the term, including optional orphan protection.
life
Retirement Pension / Unit-Linked Life Insurance (ERGO Rente Balance)
Flexible unit-linked pension insurance for long-term retirement savings, with options for one-off payment, regular withdrawals, and coverage across all three tiers of retirement provision.
life
Occupational Disability Insurance
Income protection insurance paying a monthly benefit if the insured can no longer perform their occupation due to illness or accident.
travel
Travel Health Insurance
Travel health insurance providing worldwide medical coverage and emergency assistance during trips, including medical repatriation.
travel
Travel Cancellation Insurance
Reimburses non-refundable travel costs if the trip must be cancelled or interrupted due to illness, accident, or other covered reasons.
travel
Domestic Travel Insurance
Special travel insurance for holidays and trips within Germany, including short cross-border trips, covering cancellation and medical risks.
travel
Annual Travel Insurance Policy
Annual travel insurance covering unlimited trips worldwide or within Europe during one year, combining travel health, cancellation, and other travel protections.
travel
Luggage Insurance
Covers loss, theft, or damage to personal luggage during a trip.
travel
Long-Stay / Student Abroad Insurance
Specialised long-stay insurance for students, au-pairs, language learners, and gap-year travellers abroad for extended periods.
property
Commercial Property and Contents Insurance
Commercial property and contents insurance for businesses covering building structures and inventory against fire, storm, water, and other insured perils.
cyber
Cyber Insurance (Business)
Cyber insurance for businesses covering data loss, cyber-attacks, and business interruption, enabling rapid continuation of operations after a cyber incident.
other
Transport Insurance
Commercial transport insurance covering goods in transit against damage and loss during domestic and international transportation.
other
Surety / Bond Insurance (Kautionsversicherung)
Surety insurance enabling businesses to provide guarantees or bonds to contractual partners without tying up liquid assets.
financial
Company Pension Scheme (Betriebliche Altersversorgung)
Corporate pension solutions for employers to provide occupational pension schemes for employees across all relevant implementation options.
Regulatory updates
In April 2024, BaFin authorized ERGO Versicherung AG's French branch to expand cross-border insurance and reinsurance activities. In July 2024, BaFin granted ERGO Vorsorge Lebensversicherung AG consent to conduct reinsurance business covering life, unit-linked life, and capitalization products. ERGO companies file annual Solvency and Financial Condition Reports (SFCR) under Solvency II; the 2024 SFCRs for ERGO Versicherung AG and ERGO Lebensversicherung AG were published confirming BaFin-compliant governance and capital requirements. BaFin's 2025 supervisory priorities include strengthening insurer stability, reviewing capital-building life products for adequate customer value, and monitoring IT resilience and governance standards.
Reputation and reviews
Verified offer pages
Motor casco
ERGO is a motor casco insurance for the DE market with online purchase and 24/7 assistance.
Last verified May 12, 2026
Motor third-party liability
ERGO is a motor third-party liability insurance for the DE market with online purchase and limited assistance availability.
Last verified May 12, 2026