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Motor hull insurance for motorcycles and ATVs

Why take out motorcycle motor hull insurance (motokasko) with ERGO?

Unlike motor third party liability insurance, motorcycle or ATV motor hull insurance gives you peace of mind even if your vehicle is damaged or you get hurt. 

Natural disaster

We will indemnify the damage caused by storms, floods, hail or other extraordinary precipitation. For example, during a storm, a tree or a branch breaks and falls on a car, or the vehicle is damaged during a hail storm.

Fire and explosion

We compensate for damage to the vehicle as a result of ignition, burning, smoke, extinguishing work or explosion.

Vandalism

We will indemnify the damage caused to the vehicle as a result of the wrongful actions of third parties.

Mechanical force

We compensate for damage caused by a sudden and unforeseen external mechanical force that directly affected the vehicle or its part(s), incl. damage as a result of a traffic accident. For example, you cause an accident and your own vehicle gets damaged.

Transportation and lifting of the vehicle on the road

We will indemnify the necessary and justified expenses for lifting the vehicle onto the road and taking it to the nearest repair or storage facility in the event of an insured event (e.g., driving into a ditch, traffic accident).

ERGO Autoabi roadside assistance

Guaranteed 24/7 quick initial assistance at the scene across Europe. The service can be used free of charge in the area specified in the motor hull insurance contract. Roadside assistance will come and help you start your vehicle.

Natural disaster

We will indemnify the damage caused by storms, floods, hail or other extraordinary precipitation. For example, during a storm, a tree or a branch breaks and falls on a car, or the vehicle is damaged during a hail storm.

Fire and explosion

We compensate for damage to the vehicle as a result of ignition, burning, smoke, extinguishing work or explosion.

Vandalism

We will indemnify the damage caused to the vehicle as a result of the wrongful actions of third parties.

Mechanical force

We compensate for damage caused by a sudden and unforeseen external mechanical force that directly affected the vehicle or its part(s), incl. damage as a result of a traffic accident. For example, you cause an accident and your own vehicle gets damaged.

Transportation and lifting of the vehicle on the road

We will indemnify the necessary and justified expenses for lifting the vehicle onto the road and taking it to the nearest repair or storage facility in the event of an insured event (e.g., driving into a ditch, traffic accident).

ERGO Autoabi roadside assistance

Guaranteed 24/7 quick initial assistance at the scene across Europe. The service can be used free of charge in the area specified in the motor hull insurance contract. Roadside assistance will come and help you start your vehicle.

Motokasko’s additional covers

Collision with an animal without excess

There is no excess when you hit an animal or bird. Also in the case of damage caused as a result of avoiding running into someone if the event can be proven by means of an on-board camera. 

For example, while driving on the highway, a moose suddenly ran onto the road and you drove off the road to avoid a collision. Since the vehicle had an on-board camera that recorded the situation, we will indemnify the damage caused without applying the deductible.  

Motokasko’s additional covers

What is covered by ERGO’s motorcycle comprehensive insurance?

User age

The motorcycle user and/or the policyholder must be at least 21 years old. 

What is covered by ERGO’s motorcycle comprehensive insurance?

See how the price of your motorcycle or ATV insurance is calculated!