ERGO’s new motor insurance: comprehensive services, full transparency and digital claims handling

New consistently customer-centric product and processes

Media Information, 16.09.2019

ERGO has unveiled a new motor insurance tariff that comprises the products Smart and Best. The new products are supremely customer-friendly and clearly structured, ensuring no nasty surprises for policyholders should they need to claim. Claims handling has also been digitalised: policyholders can now report a claim and track its progress online.

The new ERGO motor insurance tariff now comprises only the product lines Smart and Best. Both products are structured to be supremely easy and simple to use, and both offer the same strong basic coverage. “While developing these new products we focused on what our customers want. And to ensure that there are no nasty surprises if a policyholder needs to claim we have included a comprehensive range of cover services in the basic coverage”, says Mathias Scheuber, Chief Executive Officer of ERGO Versicherung AG.

Powerful basic coverage with intuitive modules
The basic coverage offers a comprehensive range of services, including extended windscreen damage cover with replacement vignettes or interior cleaning after glass breakage, no new-for-old deduction and insurance against animal bites including consequential damage. The Smart tariff rewards no claims with a lower base premium. With a choice of intuitive modules, customers can tailor the insurance coverage to their individual requirements. Add-ons for Smart include a discount for using an authorised car workshop, roadside assistance, replacement car plus and 12 months’ value protection. By using an authorised workshop, customers can save 20% of the comprehensive coverage amount and benefit from many services in the event of a claim.
The Best tariff additionally offers a longer value protection option (24 months) and no-claims discount protection. “We intentionally chose only a few, but very customer-centric modules. They can be added on as required and are intuitive to ensure that customers get exactly the individual level of insurance coverage they need”, says Frank Mauelshagen, Head of the Division Automobile at ERGO.

Digital claims handling
In the event of an accident, policyholders can simply make a claim online, even outside of office hours. All that is required for identification is the license plate number. Lodging a claim and checking coverage is fully automated. Policyholders can use the “Claim Tracker” to view the current status of their claim. In many cases, claims are paid out soon after thanks to the automated claims process. If repairs are needed, the workshop service includes a free collection and return service and a replacement vehicle. Policyholders can select their car repair workshop online when they submit their claim and details of the damage are automatically transmitted to this workshop. Without delay, the workshop will get in touch with the customer and will take care of everything else: repair appointment, a replacement vehicle, collection and return, and repairing the vehicle. “Delivering a consistently customer-centric approach was a decisive factor throughout the product and process development”, says Scheuber. 

The new automobile insurance tariffs can be found (in German) online at:

Matthias Scheuber

Picture Print (JPG file)

Picture Digital (JPG file)

Frank Mauelshagen

Picture Print (JPG file)

Picture Digital (JPG file)

For further information, please contact:

Dr. Claudia Wagner

Media Relations

Tel +49 211 477-2980

About the ERGO Group AG

ERGO is one of the major insurance groups in Germany and Europe. Worldwide, the Group is represented in about 30 countries and concentrates on Europe and Asia. German, international, direct and digital business as well as all IT activities and technology services are bundled in four separate units (ERGO Deutschland, ERGO International, ERGO Digital Ventures and ERGO Technology & Services Management) under the umbrella of ERGO Group AG. About 40,000 people work for the Group, either as salaried employees or as registered sales representatives. In 2018, ERGO recorded a total premium income of 19 billion euros and rendered benefits to customers of 15 billion euros (net). ERGO is part of Munich Re, one of the leading reinsurers and risk carriers worldwide.
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This press release contains forward-looking statements that are based on current assumptions and forecasts of the management of ERGO Group. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forwardlooking statements or to conform them to future events or developments.

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