Car Insurance ERGO Μy Auto και ERGO My Auto powered by Drive&Win

ERGO Μy Auto και ERGO My Auto powered by Drive&Win Insurance offer everything from simple to specialized forms of coverage in a choice of 6 different plans
DESCRIPTION
ERGO My Auto and ERGO My Auto Powered by Drive&Win car insurance from ERGO Insurance through Piraeus Financial Holdings.

Offered from simple to specialized forms of coverage in a choice of 6 different plans.

Get 15% discount on the annual My Auto Total Plus and My Auto Superior Plus car insurance programs by ERGO.

The offer concerns new annual car insurance policies for private use and is valid until 31/12.
COVERS
  • Basic covers
  • Optional covers
DURATION

3 months
or
6 months
or
1 year
PREREQUISITES

None
beyond the basic

DESCRIPTION
ERGO My Auto and ERGO My Auto Powered by Drive&Win car insurance from ERGO Insurance through Piraeus Financial Holdings.

Offered from simple to specialized forms of coverage in a choice of 6 different plans.

Get 15% discount on the annual My Auto Total Plus and My Auto Superior Plus car insurance programs by ERGO.

The offer concerns new annual car insurance policies for private use and is valid until 31/12.

COVERS
  • Basic covers
  • Optional covers
DURATION

3 months
or
6 months
or
1 year
PREREQUISITES

None
beyond the basic

How you benefit

Insurance tailored to your needs
Simply choose the package that suits your needs, preferences and pocket.

Road Assistance
If the insured vehicle has been involved in an accident within the Greek territory, a specialized partner is sent on site or to a place that you indicated in order to help complete the Accident Declaration, photograph the car/vehicles’ damages, but also to transport the car to the nearest repair shop or at the place of yours choice for its repair, if the vehicle is immobilized and cannot move safely.

Amicable Settlement of Claims
We pay out claims immediately using the amicable settlement procedure. Put simply, this means you avoid time-consuming procedures.

Interest-free premium instalments
Use any Piraeus Bank credit card to pay your premiums in up to 12 interest-free monthly installments, depending on the duration of the insurance you choose.

Interest-free premium instalments
ERGO provides special pricing in case you combine your “ERGO My Auto and ERGO My Auto powered by Drive&Win” insurance with another ERGO insurance product.


ERGO My Auto powered by Drive&Win

Especially the new innovative car insurance programs ERGO My Auto powered by Drive&Win combine unique discounts with the insurance and privileges offered by telematics technology.

  • Insure your car with 15% discount
    ERGO My Auto powered by Drive&Win car insurance programs offer you 15% discount on your premiums.
  • Download the ERGO Drive&Win application
    With the issuance of your insurance policy, you automatically registered in the ERGO Drive&Win application and you will receive an e-mail with instructions to login to the application. During your insurance the usage of the app is a prerequisite to maintain the original 15% discount.
  • Track your driving behavior and earn extra discounts
    Through the app you can monitor your score in detail, both overall and per route, in order to continuously improve your performance and benefit from the privileges provided by the new ERGO My Auto powered by Drive&Win. Depending on your driving behavior, you can get an additional up to 15% discount on your premiums.
  • Participate in contests and other activities
    Through the application, you can receive updates and participate in competitions and other activities organized by ERGO Insurance Company.

Coverage

The various types of coverage available under ERGO Μy Auto και ERGO My Auto powered by Drive&Win insurance packages are offered in line with the general and special terms of your contract:


Basic Covers Simple Plus Total Plus Superior Plus
Third-party liability
   
  
  
ΜInvalid driving license
   
  
  
Damage from uninsured vehicle
   
  
  
Driver accident
      
  
Glass brake
      
  
Earthquake
   
  
  
Fire
      
  
Terrorist acts
      
  
Third-party liability from fire
      
  
Total theft
      
  
Car rental as a consequence of theft
         
Partial theft
      
  
Adverse weather conditions (exlc. Hail)
      
  
Hail
         
Αirbags & Seatbelts
         
Own losses (with deductibles)
         
Own damages extension to young drivers
         
Car rental as a consequence of own losses
         
ΣCivil commotions-strikers-riots
         
Malicious acts (with deductible)
         
Pet accident
      
 
Criminal legal protection
      
 
Road Assistance
   
  
  
Criminal legal protection
      
 




Optional Covers Simple Plus Total Plus Superior Plus
Driver accident
   
     
Glass brake
   
     
Third-party liability from fire
   
     
Car rental as a consequence of theft
      
  
Hail
      
  
Airbags & Seatbelts
   
  
  
Tool third-party liability for Trucks
   
  
  
Legal protection for vehicle and driver Α
   
  
  
Full Roadside Assistance
   
  
  
First Claim Deductible Protection
      
  
GAP Insurance
      
  


Pricing Examples

PREMIUMS/SEMESTER
Simple Plus Total Plus Superior Plus
€145
€229
€361
Simple Plus Powered By Drive&Win Total Plus Powered By Drive&Win Superior Plus Powered By Drive&Win
€123
€195
€307

The mentioned prices concern:

  • Car, 1400cc, Current value: €12,000
  • In Athens

Conditions

Vehicle driver

  • You must hold a Greek or international driving licence
  • You must be aged over 18
  • You must be a resident of Greece or have a valid residence permit
  • You must be natural person (not legal , institution, etc). *Only for Winbank insurance



Vehicle

  • It must have Greek licence plates
  • Its current value must be below €60,000 otherwise approval for the coverage must be obtained from the insurance company (only applies for the Ideal & Supreme plans)
  • There must have been no more than 2 at-fault claims in the last 8 years
  • The vehicle must not already be insured with ERGO

ERGO Drive&Win

When you issue your insurance policy you can get an additional discount 15% compared to the initial premium!

When you renew your policy, you can benefit from additional discounts on the premiums of Third party liability in respect of the use of motor vehicles (Bodily Injury & Property Damage) depending on your driving behavior, which translates into ERGO stars.

The driving profile is defined when the application has enough data on your driving behavior. From the start of using the app, 400 kilometers and 40 trips are required to determine your profile. Then, in order to keep the discount of your insurance policy, you must continue to use the ERGO Drive&Win app throughout the duration of your policy, driving a minimum of 100 kilometers each month and accumulating ERGO SafeMiles, thus contributing to the overall road safety.


ERGO stars
Additional Discount
***
5%
****
10%
*****
15%

Additional discounts

In addition to the discounts you enjoy due to the innovative ERGO My Auto powered by Drive&Win plans, ERGO Insurance rewards you with additional discounts if you are an existing customer and already holder of an individual ERGO insurance policy.

Benefits

You can participate in competitions to win prizes. In addition, you can participate in donations and other corporate social responsibility activities through the ERGO Drive&Win app by redeeming the ERGO SafeMiles you collect according to your driving behavior.

FAQs

  • How do I pay my premiums?
    You pay your premiums as soon as we issue the order to cover your vehicle. You can do this in 2 ways::

    • Set up a standing order by debiting your account
    • Pay using a Piraeus Bank credit card. You can pay in up to 12 interest-free instalments, depending on the duration of your vehicle insurance.

  • What does Accident Care cover?
    Accident Care is offered immediately, 24/7. In case of an accident, one of our qualified associates arrives at the scene immediately. They offer you assistance and take care of all the procedures for reporting and documenting the accident:

    • They help you fill in the Accident Form
    • They help you fill in the Road/Traffic Accident Amicable Settlement Form, provided this is possible, since it depends on the nature of the accident (e.g. how many vehicles are involved in the accident)
    • They call the Traffic Police and/or an ambulance in the event of injury
    • They photograph the insured vehicle as well as any other third-party vehicles involved in the accident
    • They send all supporting documents to the ERGO headquarters so as to set the compensation procedure in motion
    • They arrange for your vehicle to be towed to the repair garage of your choice, provided it has been immobilised
    • They offer useful advice with regard to the incident so that you can rest assured that all the necessary actions have been taken and your interests have been safeguarded.

  • What is Direct Settlement of Agreement?
    Direct Settlement of Agreement aims at facilitating the insured parties. Insurance companies have established a compensation system for insured customers who have been involved in a road accident without being at fault. These customers don't have to contact the insurance company that covers the at-fault driver. They just fill in the Road/Traffic Accident Amicable Settlement Form, which speeds up the compensation procedure.

  • What is a Green Card?
    All vehicle insurance policies offer insurance coverage only when the vehicle is in Greece. If you plan to travel outside Greece with your vehicle and wish to extend your third-party vehicle liability cover, you need to have a special international insurance certificate issued the Greek Card.

    The Green Card insures vehicles in European Union member-states and in European Economic Area countries.

  • Why should I buy vehicle insurance from ERGO?
    ERGO is one of the largest and most reliable insurance companies specialising in car insurance.

    • Substantial protection for you and your vehicle
    • Immediate service whenever and wherever you need it
    • Guaranteed indemnity without time-consuming procedures
    • 24-hour Accident Care in Greece
    • Transparency so that you know precisely in which cases your vehicle is insured
    • Insurance solutions that best suit your needs and budget
    • Comprehensive roadside assistance in Greece and abroad
    • Additional benefits, depending on the insurance policy you choose

  • Why should pay using my credit card?
    When you pay by credit card you become a customer of Piraeus Insurance Agency, a subsidiary of Piraeus Bank. You can charge any credit card you hold with a Greek bank. Depending on the period of cover you are settling, you may choose to pay in interest-free instalments: up to 6 instalments (6-month period) or up to 12 instalments (1-year period).

  • How do I collect ERGO stars in the ERGO Drive&Win app?
    The quality of your driving behavior is conveyed in ERGO Stars (1 to 5 stars) and is rated, per route and overall, on a scale from 0 to 100, according to the driver's performance in terms of specific actions, such as exceeding speed limits, braking hard, accelerating hard, using a mobile phone while driving and driving between 00:00 and 05:00, which is the high-risk zone. This total rating score is converted into ERGO Stars.

    For more info: https://www.ergohellas.gr/pages/customer-support/drive-and-win

  • ERGO Drive&Win score
    • What do we count as speeding?

      Speeding is driving above the speed limit, based on the limits of each road. No matter how accurate the GPS values are, there are cases where the speed values differ. For this reason, a small margin has been added to the actual speed limits for your benefit. Your score is calculated by taking into account the time you drove over the speed limit and how much over it.

    • What do we count as mobile usage?

      Mobile usage is calculated based on the device's movement while driving (talking, texting, etc.) as recorded by the mobile sensors. For mobile usage, OSeven's algorithms do not record or evaluate data about the content or operation of other applications. Your score for mobile usage is not affected as long as the device remains still (when using Bluetooth or hands free, for example) or if the usage is while the vehicle is not moving.

    • Can I use my mobile phone while driving?

      Using the app does not affect the other functions of your mobile phone. But, using a mobile phone while driving significantly increases your driving risk and lowers your score. For road safety and optimal app functionality, it is recommended that you do not use your mobile phone while driving.

    • What is braking and accelerating aggressiveness?

      Braking and acceleration are scored based on 2 parameters:

      • the number of hard braking or accelerating that you might do and
      • the overall driving behavior in regard with braking and acceleration while driving.

      This overall behavior is called "Aggressiveness" and can be low, medium or high. Aggressiveness is important because it shows how smooth your overall driving is. Medium and/or high aggression increases your driving risk and therefore lowers your score.

    • When will my route score be displayed?

      Your route score will be available a few minutes after the route data is sent and only for the routes you were the driver. The time it will take the data to be sent depends on the duration of the route and quality of the internet connection. By default, the driver data is sent at the end of each route and only when the device is within a Wi-Fi zone. However, if you wish, you can enable the data sending via the mobile network (Settings > send route via 3G/4G), taking into account that this setting will make use of your data (~1MB per driving hour).

      In case you experience significant delays in receiving results while your routes have been sent:

      • Check that you are connected to the internet (Wi-Fi or 3G/4G)
      • Refresh the list of your routes by swiping downwards

      In case you continue to experience issues, please contact ERGO’s Customer Care.

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Piraeus Financial Holdings SA, as an insurance intermediary, carries out the activity of distribution of insurance products, in the name and on behalf of the insurance companies with which it maintains cooperation.