Pre-contract details of MoD insurance for the client

What you need to know before concluding a contract.

MoD insurance reimburses damage caused to your vehicle and you do not need to worry about large unexpected costs.

You can get ERGO MoD from the e-office, which helps you in cases when you have caused the traffic accident or any other accident occurs, which involves the damage of the car – be it a scratch on the car, damaged glass, theft or destruction.

A detailed overview of insurance covers is given in the ERGO Motor Hull Insurance Terms and Conditions. Please see also the General Terms and Conditions of ERGO Insurance Services.

Why buy ERGO motor hull insurance:

In ERGO, you can choose which insurance cover you need.
In the case of a glass repair, no deductible shall be applied.
In the case of glass replacement, you can choose a lower deductible or no deductible at all.
Quick and high-quality claims handling.
ERGO roadside assistance for passenger cars, small vans and motorcycles in regular use throughout Europe.
The possibility to add an ERGO replacement car in place of a passenger car or small van in regular use for up to 60 days during the insurance period.
The possibility of adding additional protection where no deductible is applied in case of a collision with an animal or a bird. In addition, the deductible will not apply in the event of damage caused as a result of the avoidance of collision with an animal or a bird, if the event can be proven by the recording of an on-board camera.

When will MoD insurance not help?

Damage is not reimbursed:

When occurring while the vehicle is used outside of the insurance territory or outside the area intended for normal traffic.
When it has been caused by natural wear and tear resulting from normal use of the vehicle, including minor scratches and dents to the paintwork and other parts of the vehicle, surface scratches, dents and wear to the glass.
When caused to the vehicle’s passenger compartment by pets.
When caused to the vehicle at the time when the vehicle had unlawfully left the possession of its owner or legal holder and it had not been properly reported to the police.
When the vehicle participated in a competition, training or drove outside of the road traffic.
When caused by war, terrorism, civil unrest or strike.
When caused by the use of the wrong motor fuel.

The full list of exclusions, in which cases the indemnity will not be paid, is provided in the ERGO Motor Hull Insurance Terms and Conditions.

(ERGO Motor Hull Insurance Terms and Conditions)

Term of the contract

MoD insurance contract is concluded without a fixed term. The insurance period is one year. Before the insurance period expires, ERGO will send you a new insurance policy and invoice.

Insurance premium

The insurance premium is based on the risk assessment of the customer and the terms and conditions of ERGO payment calculation. The amount of the insurance premium is shown in the e-office payment calculation and insurance policy. Entering into an insurance contract at the ERGO e-office does not entail any other costs for the customer. Payment of the insurance premium at the ERGO e-office is done through a bank link displayed to the customer.

Termination, cancellation and withdrawal of contract

The insurance contract terminates after the end of the insurance period, cancellation or withdrawal of the insurance contract or on other bases provided by law. The parties have the right to cancel the insurance contract pursuant to the procedure and on the bases provided for in the Law of Obligations Act and with the agreement of the parties. Upon termination of the insurance contract, we do not apply administrative expenses or contractual penalties.

Any request to amend or terminate an indefinite insurance contract must be notified in advance to the other party at least one month before the end of the annual insurance period.

Due to the fact that the insurance contract is entered into at the ERGO e-office, the consumer policyholder has the right to withdraw from the insurance contract within 14 days after entry into the insurance contract without stating the reason. You can send your withdrawal notice via ERGO’s website or by e-mail to info@ergo.ee. If you withdraw from an insurance contract, we will repay you the premiums for the time during which we did not have to bear insurance liability.

Do you need help?

Please save ERGO’s 24/7 road assistance number: +372 655 5401 or order road assistance through a web application.

Get road assistance online

Your insurance policy specifies:

Insurance cover and amounts;
Term of insurance;
Amount of the insurance premium;
ERGO contact details and road assistance contacts.

What should you know about the e-office?

When you operate via the e-office, make sure that your information is accurate and complete. Including vehicle’s use type (taxi, courier, training vehicle, etc.).
You can view the insurance terms and conditions and policies in the e-office.
You can see the final cost of insurance in the e-office.
In the e-office, you get your insurance policy, which does not need to be signed. You have entered into the contract when you are directed from the e-office to the Internet bank. As you enter the Internet bank, you become liable for payment.
ERGO will keep all of your insurance contracts until the end of the limitation period.
You may withdraw from a contract entered into via the e-office without naming the reason, within 14 days after entry into the contract. You can send your withdrawal notice via ERGO’s web page or by e-mail to info@ergo.ee. If you withdraw from an insurance contract, we will repay you the premiums for the time during which we did not have to bear insurance liability.

Other information that you should know

The insurance contract is concluded based on the General Terms and Conditions of ERGO Insurance Contracts and the ERGO Motor Hull Insurance Terms and Conditions.
When entering into the insurance contract you confirm that the insurer has made the general terms and conditions and insurance conditions available to you, you have read them and agree to them.
The principles for processing the customer's personal data can be found here.
If you want to send a complaint to ERGO, please e-mail it to info@ergo.ee.
You have the right to address a conciliation body at the Estonian Insurance Association to settle a dispute with the insurer. Before the conciliation procedure, the claim in the disputed matter must be submitted to the insurer and the insurer must be provided with an opportunity to reply to the claim. Additional information is available on the Estonian Insurance Association’s website www.eksl.ee.
Any disputes arising from insurance contracts, including disputes concerning which no agreement is reached at an insurance conciliation body, shall be settled at Harju County Court.
This insurance contract is governed by Estonian law.
You are entitled to submit a complaint with the Financial Supervision Authority (Sakala 4, Tallinn) to protect your interests: www.fi.ee.

Insurer is ERGO Insurance SE (registry code 10017013),
address Veskiposti 2/1, Tallinn,
phone 610 6500, info@ergo.ee.