ERGO Group AG
ERGO
ERGO is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
ERGO holds settlement authority (Regulierungsvollmacht) to satisfy justified third-party claims directly in the policyholder's name and to defend unjustified or excessive claims at its own expense.
Geographic scope
Europe and EU territories
Cover applies within the geographic borders of Europe plus non-European territories belonging to the EU; extended validity applies in non-European countries listed on the Green Card (excluding any crossed-out countries); the Mallorca Policy covers rental vehicles abroad at German liability levels.
Unique selling points
- Flat liability sum of 100 million euros per event, including up to 15 million euros per injured person, well above Germany's statutory minimum limits.
- Environmental liability cover up to 5 million euros per claim (10 million euros per year) is bundled into the standard Kfz-Haftpflicht policy.
- The Mallorca Policy extends German-level liability limits to vehicles rented abroad as standard, closing gaps left by lower local minimum cover.
- Claims can be reported around the clock, with photo-based online assessment and same-day payout available for small damages.
- The optional Kfz-Schutzbrief roadside-assistance rider is available in both the Smart and Best product tiers.
Coverage limits
Bodily Injury Liability
€15,000,000
Within the overall flat liability sum of 100 million euros per event, ERGO pays up to 15 million euros per injured person for bodily injury claims caused by the insured vehicle.
Property Damage and Financial Loss Liability
€100,000,000
Property damage and pure financial loss claims are paid from the same pooled flat liability sum of 100 million euros per event that also covers bodily injury, subject to the 15 million euro per-person sub-limit for injuries.
Defence Against Unjustified Claims
Covered
ERGO defends unjustified or excessive third-party claims at its own expense using its settlement authority, in addition to paying out justified claims.
Green Card / International Cover
Covered
The International Green Card confirms liability cover for the non-European countries listed on it (excluding any crossed-out countries); wherever a higher minimum cover is legally required outside Germany, that higher cover applies.
Kfz-Schutzbrief Roadside Assistance (optional)
Optional
An optional add-on (Baustein) providing breakdown, accident and theft assistance such as towing, recovery, replacement transport and overnight costs; selectable in both the Smart and Best product tiers.
Driver Accident Insurance
No limit stated
Not offered as part of this Kfz-Haftpflicht product; the sources describe no dedicated accident sum insured for the driver.
Passenger Accident Insurance
No limit stated
Not offered as part of this Kfz-Haftpflicht product; the sources describe no dedicated accident sum insured for passengers.
Key conditions
Territorial scope
Cover applies within the geographical borders of Europe and in non-European territories that are part of the European Union; the Mallorca Policy additionally extends German-level liability limits to vehicles rented abroad.
Green card rules
The International Green Card confirms Kfz-Haftpflicht cover for the non-European countries listed on it, except for any countries crossed out on the card.
Driver restrictions
Cover extends to the policyholder plus the vehicle's registered keeper, owner, authorized driver, certain passengers/employees under specific conditions, and the employer if the vehicle is used for business with the policyholder's consent; only drivers holding the legally required driving licence may use the vehicle.
Claim notification deadline
Every event that could lead to a claim must be reported to ERGO without delay; claims asserted against the policyholder out of court must be reported within one week of being raised.
Bonus-malus rules
Premiums follow an annually re-graded no-claims discount system (Schadenfreiheitsklassen); the Smart tier applies steeper downgrading after a claim, while the Best tier allows the optional Rabattschutz add-on to protect the no-claims class from one Kfz-Haftpflicht and one Vollkasko claim per calendar year.
Documents
ERGO Kfz-Versicherung General Terms and Conditions (Stand: 14.9.2019)
Terms & conditions
Policy specifics
Environmental Liability Coverage
Coverage for environmental damage arising from motor vehicle accidents, as mandated by environmental liability insurance requirements
SourceMallorca Policy
Extended liability coverage for rental vehicles abroad in Europe with German-standard insurance limits
SourceInsurance Sums and Limits
Standard insurance coverage of 100 million euros total with maximum 15 million euros per injured person for personal injury claims
SourcePreliminary Coverage (Vorläufiger Versicherungsschutz)
Upon issuance of insurance confirmation (eVB), coverage begins at statutory minimum limits; extended limits become effective only after premium payment
SourceContract Term and Automatic Renewal
Insurance contract renews automatically for one year at a time unless either party provides one-month notice of cancellation by end of term
Source