ERGO Motor third-party liability (Ergo My Auto)

Eight selectable coverage tiers (Simple through Superior Plus) allow customers to precisely match protection level to budget, from basic MTPL to full comprehensive coverage.

Roadside and accident assistance helpline available 24/7, reachable from both landlines and mobile phones or from abroad.

Fully online purchase and issuance via ergohellas.gr, with instant delivery of the policy and all documents to the customer's email upon payment.

ERGO Drive&Win telematics programme rewards safe driving behaviour with premium discounts of up to 15% and additional savings based on driving score.

Driver restrictions

Coverage is excluded for drivers who lack the required driving licence, are under the influence of alcohol or toxic substances, use the vehicle for a purpose other than stated in the licence, or act with intent. The insured vehicle must bear Greek registration plates. The driver must hold a Greek or international driving licence, be over 18 years of age, and be resident in Greece or hold a valid residence permit.

Claim notification deadline

The insured must notify the Company in writing, immediately and at the latest within eight (8) business days of becoming aware of a loss. During the insurance period, any change in risk that may increase the insured risk must be declared within 14 days of becoming known to the insured.

Bonus-malus rules

Specific bonus-malus (no-claims discount) rules are not detailed in the IPID or pre-contractual documents provided. A telematic programme (ERGO Drive&Win) is available that can provide premium adjustments based on driving behaviour.

Territorial scope

Mandatory civil liability coverage applies in Greece, EU member states, EEA states, and other countries covered by the Green Card international insurance certificate. Supplementary vehicle and driver covers apply in Greece only, unless otherwise agreed in writing.