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ERGO Smart und Best: the policy wording in full
Fahrerschutz der ERGO Kfz-Versicherung als zuwählbarer Baustein nur für Pkw: versichert sind Personenschäden des berechtigten Fahrers bei einem Unfall beim Lenken; Einzelheiten nennt nur die AKB, die Leistungstabelle regelt sonst nichts.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ERGO Smart und Best.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum indemnity per claim | as stated in the policy schedule | ||
| Standalone contract with its own conditions (not only a section of the motor conditions) | no | „Leistungen zuwählbare Bausteine“ | Leistungstabelle, page 2 |
| Insurable vehicle types (car, motorcycle, motorhome, van) | yes | „Fahrerschutz nur für Pkw“ | Leistungstabelle, page 2 |
| Any authorised driver insured, not only the policyholder | yes | „Versichert sind Personenschäden des berechtigten Fahrers infolge eines Unfalls beim …“ | Leistungstabelle, page 2 |
| Cover only for named drivers or the policyholder | not addressed | ||
| Person bound: cover also in other people's vehicles | not addressed | ||
| Passengers also insured | not addressed | ||
| Territorial scope (Europe, geographical Europe, countries of motor liability cover) | not addressed | ||
| Accidents when getting in or out insured | not addressed | ||
| Accidents during roadside work on the vehicle (tyre change, breakdown repair, refuelling, charging) | no | „Versichert sind Personenschäden des berechtigten Fahrers infolge eines Unfalls beim …“ | Leistungstabelle, page 2 |
| Payment for an accident caused by the driver and for an accident without third party fault | not addressed | ||
| Payment if the other party flees or cannot be identified | not addressed |
Benefit principle and offsetting
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Indemnity like damages under liability law (paid as if a third party were liable) | not addressed | ||
| Fixed sums under an accident model (death, disability under a schedule) | not addressed | ||
| Offsetting of benefits from social insurance and other bodies | not addressed | ||
| Subordinate to claims against third parties and other insurers | not addressed | ||
| Reduction for the driver's contributory negligence | not addressed | ||
| Reduction or exclusion if seat belt or helmet not worn | not addressed | ||
| Waiver of reduction for gross negligence | not addressed |
Benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of earnings | not addressed | ||
| Loss of ability to do housework | not addressed | ||
| Pain and suffering | not addressed | ||
| Medical treatment costs not covered elsewhere | not addressed | ||
| Increased needs and additional care costs | not addressed | ||
| Conversion costs for home or vehicle | not addressed | ||
| Pension loss (missing pension contributions) | not addressed | ||
| Loss of maintenance for surviving dependants | not addressed | ||
| Funeral costs | not addressed | ||
| Death benefit as a fixed sum | not addressed | ||
| Disability benefit as a fixed sum (schedule) | not addressed | ||
| Progression of the disability benefit | not addressed | ||
| Daily allowance for incapacity to work | not addressed | ||
| Hospital daily allowance | not addressed | ||
| Cosmetic surgery after the accident | not addressed | ||
| Rescue and transport costs | not addressed | ||
| Rehabilitation, rehab management, psychological support | not addressed | ||
| Advance payment before settlement | not addressed |
Time limits and caps
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Period for onset and medical confirmation of disability | not addressed | ||
| Period between accident and death for the death benefit | not addressed | ||
| Minimum degree of disability for a benefit | not addressed | ||
| Minimum severity of injury (threshold for minor injuries) | not addressed | ||
| Age limit of the insured driver | not addressed | ||
| Cap on death benefit for children | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion for alcohol, drugs or medication | not addressed | ||
| Exclusion without a valid driving licence | not addressed | ||
| Exclusion for unauthorised use or a stolen vehicle | not addressed | ||
| Exclusion for races, driving events and race tracks | not addressed | ||
| Exclusion for intent, suicide and criminal acts | not addressed | ||
| Exclusion for disturbances of consciousness, heart attack, stroke or seizures | not addressed | ||
| Exclusion for psychological reactions without physical injury | not addressed | ||
| Exclusion for commercial passenger transport, rental or car sharing | not addressed | ||
| Exclusion for war, terrorism, nuclear energy and civil unrest | not addressed | ||
| Exclusion for earthquakes and natural catastrophes | not addressed |
Duties and claims handling
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for reporting the accident | not addressed | ||
| Duty to be examined by the insurer's doctors | not addressed | ||
| Transfer or assignment of claims against third parties to the insurer | not addressed | ||
| Medical board or arbitration in disputes on disability | not addressed | ||
| Deadline for the insurer's decision and payment | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible | not addressed | ||
| Term linked to the motor policy (ends with it) | not addressed | ||
| Can be cancelled separately without cancelling the rest of the motor policy | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Effect of a claim on the no claims discount or bonus malus | not addressed | ||
| Premium adjustment by the insurer | not addressed | ||
| Beneficiaries for the death benefit can be designated freely | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- ERGO Direkt Versicherung Aktiengesellschaft, ERGO Versicherung Aktiengesellschaft
- Distribution
- not known
- Kfz-Versicherung Leistungstabelle Smart und Best Edition: Leistungstabelle Tarif 12.9.2026, Fußzeile 9.2026 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for ERGO Smart und Best and available as plain text.
Volltext ERGO Smart und Best Fahrerschutzversicherung · As text (Markdown) ERGO Smart und Best Driver cover