ERGO Casco (own-damage car insurance) (Ergo My Auto Truck)

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 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 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.

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.

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.

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 cover in Total Plus unless the optional hail coverage is purchased; hail is included as a core coverage in Superior Plus. 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.

Malicious damage (vandalism) is included in Superior Plus up to the vehicle's insured value, with a deductible of 1% of insured value per claim (minimum EUR 300).

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.

Car hire after theft up to EUR 900 is included in Superior Plus and optional in Total Plus; car hire after own damage up to EUR 600 is included in Superior Plus.