ERGO Insurance Single Member SA
ERGO
ERGO is a motor casco insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Claims are settled based on the current market value of the vehicle at the time of the loss. The insured sum is adjusted annually at renewal to reflect depreciation. Direct payment is available through the ERGO broker/agent network, DIAS interbank system, or ERGO Premium Pay online/app.
Geographic scope
Greece
Greece and abroad (roadside assistance covers Greece and abroad; vehicle towing for trucks limited to GVW ≤3,500 kg, height ≤3 m, wheelbase ≤3.6 m, no dual rear-axle wheels, age <30 years)
Unique selling points
- Four flexible coverage tiers (Simple Plus, Advanced Plus, Total Plus, Superior Plus) allowing truck owners to tailor protection from basic MTPL to full comprehensive cover.
- Telematics-based ERGO Drive&Win program offering up to 15% initial discount and ongoing behavior-based premium adjustments for truck drivers.
- 24/7 accident assistance and roadside assistance provided in cooperation with MAPFRE ASISTENCIA, covering Greece and abroad.
- Natural disaster coverage (storms, floods, and extreme weather) automatically included in Total Plus and Superior Plus tiers, with mandatory forest-fire and flood cover for all registered vehicles per Greek law.
- Online purchase and instant policy issuance available directly through the ERGO website, with flexible payment options including credit card installments and DIAS interbank transfer.
Coverage limits
Own Damage (Comprehensive / Own Fault Damage)
Conditional
Only in Superior Plus
Covers material damage to the insured truck caused by a road accident, including accidents where the driver is at fault (comprehensive cover). Available in the Superior Plus tier only. Exact indemnity limit equals the insured/market value of the vehicle at the time of loss. Not included in Simple Plus, Advanced Plus, or Total Plus.
Total Loss
Conditional
Only in Total Plus, Superior Plus
Total loss is settled at the current market value of the vehicle at the time of the incident. Covered under the comprehensive (own damage) element of Superior Plus, and additionally under total theft in Total Plus and Superior Plus. Specific total-loss limits are not published in available sources.
Partial Loss (Own Damage / Partial Theft)
Conditional
Only in Total Plus, Superior Plus
Partial damage from own-fault accidents is covered only under Superior Plus (comprehensive). Partial theft is covered under Total Plus and Superior Plus. Not available in Simple Plus or Advanced Plus for either peril.
Theft / Robbery (Total and Partial)
Conditional
Covers total and partial theft of the insured truck. Available as a core coverage in Total Plus and Superior Plus. Optionally available in Simple Plus and Advanced Plus tiers. Exact indemnity limit equals the insured market value.
Glass / Windscreen Damage
Conditional
Covers breakage and damage to vehicle glass/windscreen. Included as a core coverage in Advanced Plus, Total Plus, and Superior Plus. Available as an optional add-on in Simple Plus. ERGO has a network of partner glass-repair companies for in-kind repair.
Natural Perils (Storm, Flood, Extreme Weather)
Conditional
Covers damage caused by storms, floods, and other extreme weather events. In the Total Plus and Superior Plus tiers, weather/natural perils coverage is included as a core coverage. ERGO has also introduced mandatory natural-disaster coverage (forest fire, flood) for vehicles with active registration under Greek law. Hail is excluded from the standard weather coverage clause. In Simple Plus and Advanced Plus, natural perils coverage is optional. Note: a 2026 ERGO PR states that natural disaster cover is automatically included in all My Auto policies per new Greek law; the interaction with the truck-specific tier structure is not fully clarified in available sources.
Vandalism
Conditional
Only in Superior Plus
Vandalism coverage is referenced in ERGO My Auto comprehensive descriptions. Not explicitly detailed as a standalone tier-specific coverage on the truck product page; availability by tier is not confirmed in official truck-specific sources. Listed as part of comprehensive (own damage) coverage in general ERGO motor insurance descriptions.
Roadside Assistance / Accident Assistance
Optional
24/7 roadside assistance and accident assistance available in Greece and abroad. Provided in cooperation with MAPFRE ASISTENCIA. Included in all tiers as a core coverage for accident assistance (towing and on-scene recording). Full roadside assistance (breakdown) is an optional additional coverage. Vehicle towing for trucks is subject to: GVW ≤3,500 kg, height ≤3 m, wheelbase ≤3.6 m, no dual rear-axle wheels, vehicle age <30 years.
Replacement Vehicle
Optional
No limit stated
Replacement vehicle coverage is not explicitly detailed as a standard inclusion in the ERGO My Auto truck product pages reviewed. Not found in official truck-specific sources.
Driver Accident Insurance
Conditional
Personal accident coverage for the driver in case of a road accident. Included as a core coverage in Advanced Plus, Total Plus, and Superior Plus. Available as an optional add-on in Simple Plus.
Key conditions
Driver age and experience limit
No specific driver age or experience limit published in the available official truck product sources.
Repair network requirements
ERGO works with an authorized network of partner glass-repair companies for windscreen/glass claims. For general vehicle repairs, the policy requires repairs to be carried out by authorized workshops; specific network requirements for truck body repairs are not detailed in available sources.
Territorial scope
Coverage applies in Greece. Roadside and accident assistance extends to abroad. Vehicle towing for trucks is limited to those with GVW ≤3,500 kg, height ≤3 m, wheelbase ≤3.6 m, no dual rear-axle wheels, and age under 30 years.
Anti-theft requirements
No specific anti-theft device requirements are published in the available official truck product sources for ERGO My Auto.
Claim notification deadline
Claims must be reported promptly; specific notification deadlines are not detailed in the publicly available truck product pages. Policyholders should contact ERGO's 24/7 accident/roadside assistance line (210 650 4022) immediately upon an incident.
Deductible rules
Specific deductible/excess amounts for the ERGO My Auto truck product are not published in the available product pages. Deductible terms are set out in the full policy general and special conditions.
Where to buy
Policy specifics
ERGO Drive&Win Telematics Discount
Optional telematics-based discount program available for trucks using the ERGO Drive&Win application, offering up to 15% initial discount and variable discounts based on driving behavior
SourceRoadside Assistance Vehicle Towing Restrictions
Vehicle towing under accident assistance and roadside assistance is provided for private-use trucks (and agricultural vehicles) only if: GVW ≤3,500 kg, height ≤3 m, wheelbase ≤3.6 m, no dual wheels on the rear axle, and vehicle age <30 years.
SourceVehicle Value Eligibility
Truck must have a current market value not exceeding €100,000 to be eligible for ERGO My Auto truck insurance
SourcePrior Damage Limitation
Truck must not have suffered more than 3 damages through policyholder's fault in the last 8 years
SourceGreek Vehicle Registration Requirement
Truck must have valid Greek vehicle registration plates to be insured under ERGO My Auto
Source