ERGO Insurance Single Member SA
ERGO
ERGO is a motor third-party liability insurance for the Greece market with online purchase and 24/7 assistance.
Direct payment
Premiums are paid before the start of coverage. Payment options include bank transfer with RF code, or online card payment via https://www.ergohellas.gr/payments. Upon successful completion of the process, the policy documents are sent to the user's declared email address.
Geographic scope
Greece (primary); EU, EEA and Green Card countries for mandatory civil liability
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.
Unique selling points
- 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.
- Amicable settlement (Φιλικός Διακανονισμός) procedure enables immediate claims payment without time-consuming legal proceedings when both insurers participate in the system.
Coverage limits
Bodily Injury Liability (Third-Party)
Covered
Mandatory civil liability coverage for bodily injuries caused to third parties by the insured vehicle. The insured amount is set at the statutory minimum as defined by Greek law at the time of the policy, and is the same across all ERGO My Auto tiers (Simple through Superior Plus). No specific euro amount is stated in the IPID or pre-contractual documents; the policy refers to 'the amount defined by law at any given time'.
Property Damage Liability (Third-Party)
Covered
Mandatory civil liability coverage for property damage caused to third parties by the insured vehicle. The insured amount is set at the statutory minimum as defined by Greek law at the time of the policy. Present in all ERGO My Auto tiers. The IPID states the insured amount for civil liability coverage is 'the amount defined by law at any given time', with no specific euro figure provided.
Legal Protection / Criminal Legal Protection
€3,000 – €15,000
Two legal protection options are available: (1) Criminal legal protection up to €3,000, included in Advanced Plus, Total Plus, and Superior Plus tiers; available as an optional add-on in Simple, Simple Plus, and Advanced tiers. (2) Legal protection (A/B) up to €15,000, available as an optional add-on across all tiers. The range €3,000–€15,000 reflects the min/max limits across coverage types and tiers.
Green Card (International Motor Insurance Certificate)
Conditional
The mandatory civil liability coverage extends to EU member states, EEA states, and other countries participating in the Green Card system via bilateral agreements between national insurance bureaux. Travel outside Greece requires issuance of a Green Card certificate; the base MTPL coverage applies within Greece. Supplementary covers (own damage, driver accident, etc.) apply in Greece only unless otherwise specifically agreed in writing.
Roadside Assistance / Accident Assistance
Covered
Accident assistance (Βοήθεια ατυχήματος) is included in all tiers starting from Simple. Standard roadside assistance and a discounted roadside assistance option (Οδική βοήθεια Discount) are available as optional add-ons across various tiers. Coverage applies in Greece; the IPID notes that roadside assistance coverage for vehicles other than passenger cars (ΕΙΧ), light commercial vehicles (ΦΙΧ) and motorcycles is not included. The roadside assistance and accident assistance helpline operates 24/7.
Driver Accident Coverage
€15,000
Only in Advanced, Advanced Plus, Total, Total Plus, Superior, Superior Plus
Personal accident coverage for the driver up to €15,000. Included as a standard coverage in the Advanced tier and above (Advanced, Advanced Plus, Total, Total Plus, Superior, Superior Plus). Available as an optional add-on in Simple (S) and Simple Plus (SP) tiers. Coverage is provided within Greece.
Passenger Accident Coverage
No limit stated
No dedicated passenger personal accident coverage is mentioned in the IPID or pre-contractual documents for ERGO My Auto. The product offers driver accident coverage (Ατύχημα οδηγού) but not a separate passenger accident benefit. Third-party bodily injury liability covers passengers of third-party vehicles as injured parties, not as insured persons.
Key conditions
Territorial scope
Mandatory civil liability (MTPL) coverage applies within Greece, EU member states, EEA states, and other countries for which a Green Card international insurance certificate is issued pursuant to agreements between national insurance bureaux. Supplementary covers (own damage, driver accident, etc.) apply within Greece only unless otherwise specifically agreed in writing.
Green card rules
Travel outside Greece requires the issuance of a Green Card (international motor insurance certificate). The Green Card extends civil liability coverage to EU member states and EEA countries, as well as other participating countries under bilateral agreements of national insurance bureaux. The base policy covers Greece; a Green Card must be explicitly issued for cross-border trips.
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. The vehicle eligibility constraint notes a maximum of 3 at-fault losses in the last 8 years. A telematic programme (ERGO Drive&Win) is available that can provide premium adjustments based on driving behaviour.
Policy specifics
Green Card (International Insurance Certificate)
Special international insurance certificate required for travel outside Greece with the vehicle to extend third-party liability coverage
SourceTerritorial Limit – Greece Only
Vehicle insurance coverage applies only when the vehicle is located within Greek territory
SourceAmicable Settlement Procedure
Claims paid out immediately using the amicable settlement procedure to avoid time-consuming processes
SourceVehicle Eligibility Requirements
Vehicle must have Greek plates, be worth up to €100,000, and have suffered maximum 3 damages through fault in last 8 years
SourceDriver Eligibility Requirements
Must hold Greek or international driving license, be over 18 years old, and be a resident of Greece or have valid residence permit
SourceOnline Purchase Pre-Contractual Notification
Specific pre-contractual information and notification requirements apply when purchasing ERGO My Auto online through ergohellas.gr
Source