Insurance broker / Motorcycle insurance in Germany (liability, partial and fully comprehensive) / Policy wording archive
ERGO Smart: the policy wording in full
Mittlere Linie der ERGO Kfz-Versicherung, die auch Zweiräder versichert: Zubehör bis 30.000 Euro, Neupreis und Kaufpreis 12 Monate, Eigenschäden bis 100.000 Euro, Tiere aller Art und zuwählbare Motorradbekleidung bis 3.000 Euro, mit stärkerer Rückstufung.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for ERGO Smart.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Covers included (liability, partial casco, comprehensive, assistance) | yes | „Leistungen Vollkasko - es gelten alle Leistungen der Teilkasko“ | Leistungstabelle, page 2 |
| Vehicle types covered (motorcycle, light motorcycle, trike, quad, scooter) | yes | „Pkw und Zweiräder nur Pkw P P“ | Leistungstabelle Allgemeines, page 1 |
| Territorial scope (Europe, non-European EU territories, green card) | not addressed | ||
| Guarantee against the model wording (GDV or VVO) | not addressed | ||
| Upgrade clause (benefits of newer wording apply automatically) | not addressed | ||
| Waiver of the gross negligence defence | yes | „Verzicht auf den Einwand der groben Fahrlässigkeit“ | Leistungstabelle Teilkasko, page 1 |
| Reduction for alcohol or drugs (no payment or quota) | not addressed |
Third party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability limit (combined) | yes, up to EUR 100 million | „Versicherungssumme pauschal 100 Mio. Euro“ | Leistungstabelle Kfz-Haftpflicht, page 1 |
| Limit per injured person | yes, up to EUR 15 million | „davon für Personenschäden, je Person maximal 15 Mio Euro“ | Leistungstabelle Kfz-Haftpflicht, page 1 |
| Pillion passenger covered under liability | not addressed | ||
| Hired vehicle abroad cover (Mallorca cover) | yes, up to the sum insured | „erweiterter Versicherungsschutz für ein im Ausland gemietetes Fahrzeug (Mallorca Police)“ | Leistungstabelle Kfz-Haftpflicht, page 1 |
| Foreign claim protection | yes, up to the sum insured | „Hilfeleistungen bei Auslandsreisen + Auslandsschadenschutz“ | Leistungstabelle Bausteine, page 2 |
| Damage to the policyholder's own vehicles | yes, up to EUR 100,000, excess EUR 500 | „Eigenschaden (100.000 Euro, 500 SB, SF-Rückstufung)“ | Leistungstabelle Kfz-Haftpflicht, page 1 |
| Trailer behind the motorcycle covered | not addressed | ||
| Legal defence costs | not addressed |
Partial casco, natural hazards and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial casco deductible | not addressed | ||
| Fire and explosion | yes, up to the sum insured | „versicherte Ereignisse: Brand, Explosion, Kurzschluss,“ | Leistungstabelle Teilkasko, page 1 |
| Theft, robbery and unauthorised use of the motorcycle | yes, up to the sum insured | „Diebstahl, Raub, unbefugter Gebrauch und Glasbruch“ | Leistungstabelle Teilkasko, page 1 |
| Theft of fixed parts (mirrors, fairing, seat) | not addressed | ||
| Theft of helmet and riding gear (secured on the motorcycle) | not addressed | ||
| Key loss (lock replacement) | yes, up to the sum insured | „nach Diebstahl Fahrzeugschlüssel, Austausch von Schlössern“ | Leistungstabelle Teilkasko, page 1 |
| Short circuit damage to wiring, with consequential damage | yes, up to the sum insured | „versicherte Ereignisse: Brand, Explosion, Kurzschluss,“ | Leistungstabelle Teilkasko, page 1 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Elementarschutz: Sturm und Böen, Hagel, Blitzschlag,“ | Leistungstabelle Teilkasko, page 1 |
| Reference to the Consorcio (extraordinary risks) | not addressed | ||
| Collision with animals of all kinds | yes, up to the sum insured | „Zusammenstoß mit allen Tieren“ | Leistungstabelle Teilkasko, page 1 |
| Animal bite with consequential damage (martens) | yes, up to the sum insured | „Schäden durch Tierbiss und Folgeschäden“ | Leistungstabelle Teilkasko, page 1 |
Comprehensive cover and falls
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Comprehensive deductible | not addressed | ||
| Accident, including at fault | yes, up to the sum insured | „versicherte Ereignisse: Unfälle - auch selbstverschuldete“ | Leistungstabelle Vollkasko, page 2 |
| Falling over while parked or manoeuvring | not addressed | ||
| Vandalism by third parties | yes, up to the sum insured | „Mut- und böswillige Handlungen“ | Leistungstabelle Vollkasko, page 2 |
| Tyre damage without other damage | yes, up to the sum insured | „Folgeschäden nach Reifenplatzer“ | Leistungstabelle Vollkasko, page 2 |
| Damage while the motorcycle is transported (trailer, van, ferry) | yes, up to the sum insured | „Havarie-Grosse-Risiko“ | Leistungstabelle Teilkasko, page 1 |
| Riding off paved roads (off road, enduro) | not addressed |
Settlement, accessories and gear
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| New value settlement (period in months) | yes, up to the sum insured | „Neupreisentschädigung für Neufahrzeuge 12 Monate ab Erstzulassung“ | Leistungstabelle Teilkasko, page 1 |
| Purchase price settlement for used motorcycles (months) | yes, up to the sum insured | „Kaufpreisentschädigung für bis zu 4 Jahre alte Gebrauchtfahrzeuge 12 Monate ab …“ | Leistungstabelle Teilkasko, page 1 |
| Settlement up to replacement value, less salvage | yes, up to the sum insured | „Verzicht auf Abzug neu für alt“ | Leistungstabelle Teilkasko, page 1 |
| GAP cover for leasing or financing | yes, up to the sum insured | „GAP-Deckung (Vollkasko) P für Leasing- und kreditfinanzierte Fahrzeuge“ | Leistungstabelle Bausteine, page 2 |
| Riding gear and helmet covered after accident or fall | yes, up to EUR 3,000 | „Versicherungsschutz für Motorradbekleidung bis 3.000 Euro inkl. MwSt.“ | Leistungstabelle Bausteine, page 2 |
| Accessories and extras (cases, top box, navigation device) covered | yes, up to EUR 30,000 | „Zweiräder bis 30.000 Euro“ | Leistungstabelle Teilkasko, page 1 |
| Conversions and performance modifications covered | not addressed | ||
| Appraiser costs | not addressed | ||
| Towing costs under casco | not addressed | ||
| Workshop binding (repair in a partner workshop) | none | „Werkstattwahl“ | Leistungstabelle Teilkasko, page 1 |
Roadside assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown and accident help on site | yes, up to the sum insured | „Kfz-Schutzbrief zuwählbar“ | Leistungstabelle Bausteine, page 2 |
| Help from kilometre zero or only beyond a minimum distance | not addressed | ||
| Towing of the motorcycle | not addressed | ||
| Return transport and storage of the motorcycle | not addressed | ||
| Rental vehicle or replacement motorcycle | yes, up to EUR 2,000 | „Mietfahrzeug im Schadensfall bis 14 Tage (bei Totalschaden bzw. Totalentwendung bis 35 …“ | Leistungstabelle Bausteine, page 2 |
| Overnight costs after breakdown or accident | not addressed | ||
| Medical repatriation of the rider | not addressed |
Season, riders and no claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Seasonal registration and its rules | not addressed | ||
| Off season cover (theft, fire, storm) | not addressed | ||
| Rider protection (own rider's injuries) | no | „Fahrerschutz nur für Pkw“ | Leistungstabelle Bausteine, page 2 |
| No claims protection | no | „Rabattschutz (Kfz-Haftpflicht, Vollkasko)“ | Leistungstabelle Bausteine, page 2 |
| Transfer of no claims bonus from a car or second vehicle | not addressed | ||
| Rider group and minimum rider age | not addressed | ||
| Consequences if an undeclared rider rides | not addressed | ||
| Permitted use (private, riding school, rental, courier) | not addressed |
Obligations, exclusions and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Anti theft obligation (steering lock, disc lock, locked garage) | not addressed | ||
| Exclusion of racing, track days and safety trainings | not addressed | ||
| Riding without the right licence class: consequences | not addressed | ||
| Obligations before a loss | not addressed | ||
| Obligations after a loss (deadlines, police for theft) | not addressed | ||
| Recourse against the rider for breach of duty (maximum) | not addressed | ||
| Term and cancellation (annual contract, after a claim) | not addressed | ||
| Further exclusions (war, nuclear, intent, seizure) | 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: 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 and available as plain text.