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.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.
Extended insurance area
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.
Vehicle hijacking and robbery
We compensate for damage caused by theft, unauthorized use, robbery of the vehicle or its parts or the attempt thereof.
For example, the tyres of a vehicle are stolen, or in the process of breaking into an apartment, the keys to the car are found and the vehicle is stolen.
Driver accident insurance
We compensate for the damage if the traffic accident has left the driver permanently disabled or dead.
Driving equipment insurance
We will indemnify the driving equipment (e.g. helmet, gloves, (protective) clothing and footwear worn by the driver) of the insured person, which was damaged as a result of the insured event, to the extent of the sum insured specified in the policy.
Motokasko’s additional covers
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.
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.
We compensate for damage caused by theft, unauthorized use, robbery of the vehicle or its parts or the attempt thereof.
For example, the tyres of a vehicle are stolen, or in the process of breaking into an apartment, the keys to the car are found and the vehicle is stolen.
We compensate for the damage if the traffic accident has left the driver permanently disabled or dead.
We will indemnify the driving equipment (e.g. helmet, gloves, (protective) clothing and footwear worn by the driver) of the insured person, which was damaged as a result of the insured event, to the extent of the sum insured specified in the policy.
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.
Registered
The motorcycle must be registered in the traffic register.
Security equipment
The motorcycle must have an immobiliser. Other safety enhancing devices (alarm, tracking system, etc.) are generally recommended, but depending on the motorcycle insured, we may require them as a condition for concluding the insurance contract.
Deductible
The deductible is at least EUR 300, in the case of theft, 15% of the damage, but not less than EUR 300.
Insurance region
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.
Expansion of the insurance area
Upon agreement, the covered territory can be extended to the territory of Ukraine, Belarus and Russia (up to the Ural Mountains).
Special conditions for ATV insurance
When insuring an ATV, it should be remembered that the policyholder or their representative may only leave the vehicle unattended in a locked garage or storage room for private use.
What is covered by ERGO’s motorcycle comprehensive insurance?
The motorcycle user and/or the policyholder must be at least 21 years old.
The motorcycle must be registered in the traffic register.
The motorcycle must have an immobiliser. Other safety enhancing devices (alarm, tracking system, etc.) are generally recommended, but depending on the motorcycle insured, we may require them as a condition for concluding the insurance contract.
The deductible is at least EUR 300, in the case of theft, 15% of the damage, but not less than EUR 300.
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.
Upon agreement, the covered territory can be extended to the territory of Ukraine, Belarus and Russia (up to the Ural Mountains).
When insuring an ATV, it should be remembered that the policyholder or their representative may only leave the vehicle unattended in a locked garage or storage room for private use.
Special conditions for ATV insurance
When insuring an ATV, it should be remembered that the policyholder or their representative may only leave the vehicle unattended in a locked garage or storage room for private use.
Registered
It is compulsory to register an ATV as a motorcycle or small tractor.
Deductible
The deductible is at least EUR 300, in the case of theft, 15% of the damage, but not less than EUR 300.
Age of the vehicle
We insure ATVs that are up to 10 years old.
Insurance region
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.
Special conditions for ATV insurance
When insuring an ATV, it should be remembered that the policyholder or their representative may only leave the vehicle unattended in a locked garage or storage room for private use.
It is compulsory to register an ATV as a motorcycle or small tractor.
The deductible is at least EUR 300, in the case of theft, 15% of the damage, but not less than EUR 300.
We insure ATVs that are up to 10 years old.
The coverage area is Europe, excluding Russia, Ukraine, Belarus, Azerbaijan, Georgia, Kazakhstan, Moldova, and Turkey.