|
|
|
 |
You will get full insurance cover for your vehicle if you enter into a comprehensive insurance contract i.e. a voluntary car insurance contract in addition to motor third party liability insurance.
Motor hull insurance covers the damage, destruction and loss of a vehicle and such damage that is not subject to indemnification under the Estonian Traffic Insurance Act. For instance, the damaging of a vehicle as a result of a traffic accident if the person who was driving the vehicle proves to be the party at fault; fire and arson; theft of a vehicle or parts thereof; etc.
ERGO motor hull insurance includes a really handy service – 24 hour free ERGO Autoabi roadside assistance service. Whatever happens to your car, ERGO will help!
ERGO motor hull insurance has yet another advantage - free replacement car!
Motor hull insurance offers you the chance to insure land vehicles registered in Estonia that engage in road traffic: automobiles, cargo vans, minivans, trucks, lorries, buses, trailers, motorbikes and ATVs.
ERGO offers three insurance options: idle vehicle comprehensive insurance, partially comprehensive insurance and fully comprehensive insurance.
In the case of idle vehicle comprehensive insurance, damage arising from the following is indemnified:
- natural disaster;
- fire;
- explosion and
- vandalism.
In the case of partial comprehensive insurance, the damage subject to indemnification under idle vehicle comprehensive insurance is indemnified. In addition, the following is indemnified:
- damage caused by a mechanical force, incl. traffic accident; and
- justified costs of transportation and lifting the vehicle onto the road.
In addition, 24-hour free ERGO Autoabi roadside assistance service is provided with every limited motor hull insurance contract for motor cars and small vans.
In the case of fully comprehensive insurance, damage caused by theft or robbery of a vehicle or parts thereof is indemnified in addition to the damage covered by partially comprehensive insurance specified above.
The customer can choose the most suitable additional cover from among the insurance cover offered by ERGO in order to extend their insurance coverage. Additional insurance cover includes:
- luggage cover;
- replacement trailer cover;
- window cover; and
- new value cover.
Damage, destruction or theft of luggage is indemnified only if you have opted for fully comprehensive insurance. You can choose between three sums to be insured: 1) 10,000 kroons; 2) 25,000 kroons; or 3) 50,000 kroons. The excess is the excess selected in the main policy. Destruction of luggage stored in an attached trailer is indemnified only in the event that the damage was caused by a sudden and unforeseeable external mechanical force (incl. traffic accident), provided that the main policy includes the additional luggage and replacement trailer covers.
Replacement trailer cover covers a trailer attached to the vehicle specified in the main policy. In the case of an insured event covered by the replacement trailer cover, the items in the trailer are not subject to indemnification (unless the insurance contract includes luggage cover).
Window cover covers, at your request, either the windscreen or all of the windows. There is no excess in the case of the window cover of automobiles and cargo vans, while the excess of window cover of trucks and buses is 10% of the damage.
The new value cover can be purchased for automobiles and cargo vans. In the case of new value insurance, the insurable value equals the first sales price of the vehicle. This insurance is effective for one year as of the first sale of the vehicle in retail trade as long as the mileage of the vehicle has not exceeded 30,000 km.
If you sign a motor hull insurance contract at ERGO, you can be sure to receive quick help in an emergency situation.
Motor hull insurance calculator
I wish to receive an offer for ERGO motor hull insurance
In addition we offer you legal assistance insurance in case of disputes with persons who caused the loss or with victims of an accident.
 General terms and conditions of insurance contracts KT.0420.08
 Terms and conditions of vehicle insurance KT.0056.10
|
|