- What is covered?
The "Best" tariff offers a coverage amount of 50 million euros. Additional benefits include coverage for bad debts and the loss of rental keys up to 50,000 euros
- What is excluded?
The specific exclusions are not listed in detail. It is therefore recommended to carefully review the insurance terms and conditions to identify any potential exclusions
- Coverage amounts
The coverage amount of 50 million euros in the "Best" tariff is considered very high. The "Smart" tariff offers a coverage amount of 10 million euros
- Deductible
Information regarding the amount of the deductible is not provided in the available sources. It is advisable to inquire directly with ERGO
- Contribution amount
The annual premium for the "Best" plan, which includes coverage for default and key loss, is €110.23. The "Smart" plan, with the same additional benefits, costs €100.78 annually
- Payment terms
The fees are payable annually. Information on other payment options or possible discounts is not available
- Contribution development
No specific information is available regarding the development of contributions over time
- Contract duration
The contracts have a term of one year.
- Waiting times
No waiting periods are mentioned before the insurance coverage begins
- Obligations
The policyholder's specific obligations are not described in detail. It is recommended to review the policy terms and conditions in this regard
- Claims settlement
Customer reviews indicate delays in claims processing. One customer reports a processing time of at least six weeks.
- Accessibility
ERGO offers various contact options, including telephone, fax and email.
- Advice
No specific information is available regarding the quality of the advice
- Online service
Information regarding an online portal or app is not available
- Customer reviews
On Finanzfluss, ERGO receives an average rating of 2.4 out of 5 stars, based on 106 reviews. 21% of the reviews are positive, 20% neutral, and 59% negative.
- Comprehensibility
No specific information is available regarding the comprehensibility of the insurance terms and conditions
- comparability
ERGO's tariffs were evaluated in various tests. In the Stiftung Warentest test, the "Best" tariff received a very good rating.
- Reviews
Independent tests, such as the one conducted by Stiftung Warentest, give ERGO's "Best" tariff a positive rating
Target groups
The "Best" tariff is particularly suitable for people who want a high coverage amount and additional benefits such as default coverage and key loss protection.
- Special features
The high coverage amount of 50 million euros and the included default coverage as well as key loss protection highlight the "Best" tariff
- sustainability
ERGO has no information on sustainable or ethically sound options
Based on available information, ERGO's private liability insurance receives 3 out of 5 stars. The high coverage amount and comprehensive benefits of the "Best" plan are particularly noteworthy. However, customer reviews indicate room for improvement in service and claims handling.
Product test: ERGO private liability insurance
ERGO Insurance offers various tariffs in the area of private liability insurance, including "Best" and "Smart". The following evaluation of these tariffs focuses on scope of coverage, costs, terms and conditions, service, and transparency.