Ergo CarProtect
ERGO is a subsidiary of Munich Re, a global leader in the risk management and reinsurance industry, which provides premium insurance coverage in Asia. They provide an extensive selection of insurance products for enterprises, risk professionals, and families.
Our robust global network and track record of customer excellence, which are facilitated by our affiliation with Munich Re, one of the world's foremost reinsurers, will be advantageous to you.
Our robust global network and track record of customer excellence, which are facilitated by our affiliation with Munich Re, one of the world's foremost reinsurers, will be advantageous to you.
Ergo CarProtect Key Benefits
24/7 Accident assistance in Singapore
Ergo 24-Hour Helpline 6100 1620
Loss or damage to your vehicle from accidental causes
Up to market value at the time of loss
Death or injury to third party
Unlimited coverage
Damage to third party property
Up to $5,000,000
Personal accident benefits
Up to $50,000
Medical Expenses
Up to $500
Windscreen Cover
Unlimited
Optional Add On
Flexible Policy Excess
Enjoy lower premium with higher excess, up to $5,000. Or you may also reduce your policy excess to enjoy greater peace of mind.
24- hour Roadside assistance
You will receive roadside assistance support to fix minor breakdown problems anywhere in Singapore.
Key Replacement Cover
Enjoy reimbursement on your motor car keys which are lost as a result of Theft, Robbery or an Accident
Loss of use or courtesy car
Choose either a compensation of $50 per day or a courtesy car when your car is being repair.
Personal Accident Enhancement
Top up to $150,000 coverage for policy owner and/or Named Driver who is driving the insured vehicle at the point of accident.
Medical expenses enhancement
Top up to $2,200 coverage for Policy owner and/or Named Driver.
New for old Replacement
Brand new vehicle replacement in event of an accident resulting in total loss as long as your vehicle is less than 24 months old.
Buy up NCD
Jump start to 50% NCD by paying additional premium.
Below is a summary of comprehensive plans offered by Ergo for their private motor insurance.
Benefits
Essential
Superior
Enhanced
Benefits
Cover of the Insured Vehicle against accidental loss, fire or theft
Essential
Superior
Enhanced
Benefits
Damage to third party property
Essential
Up to $5,000,000
Superior
Up to $5,000,000
Enhanced
Up to $10,000,000
Benefits
Death or injury to third party
Essential
Unlimited
Superior
Unlimited
Enhanced
Unlimited
Benefits
Flood and natural disaster (including fallen tree)
Essential
Superior
Enhanced
Benefits
Choice of workshop
Essential
Authorised and Dealer workshop (vehicle age within 3-year additional excess of $300)
Superior
Authorised and Dealer workshop (vehicle age within 3-year no additional excess)
Enhanced
Repairs at Any Workshop is allowed with no additional excess.
Benefits
New car replacement
Essential
Not Applicable
Superior
Vehicle age within 12 months
Enhanced
Vehicle age within 12 months
Benefits
Transport allowance for loss of use while the Vehicle is repaired at ERGO's Authorised Workshop
Essential
Not Applicable
Superior
S$60 per day, up to 5 days
Enhanced
$100 per day, up to 10 days (Any Workshop)
Benefits
Reimbursement of accident towing expenses
Essential
up to $300
Superior
up to $300
Enhanced
up to $300
Benefits
Windscreen cover
(unlimited reinstatement)
(unlimited reinstatement)
Essential
Superior
Enhanced
Benefits
Reduction of excess (for the first claim) with the submission of in-vehicle camera footage of accident
Essential
Not Applicable
Superior
Enhanced
Benefits
Medical expenses
Essential
Up to S$300/pax
Superior
Up to S$300/pax
Enhanced
Up to S$1,000/pax
Benefits
Personal Accident cover for the Insured in connection with Vehicle use
Essential
S$20,000
Superior
S$20,000
Enhanced
S$50,000
Benefits
24-hour mobile accident reporting service and assistance for vehicle breakdown
Essential
Superior
Enhanced
Benefits
Free NCD Protection for policyholders with 50% NCD
Essential
Not Applicable
Superior
Not Applicable
Enhanced
Benefits
Vehicle repatriation cost
Essential
Not Applicable
Superior
Not Applicable
Enhanced
Benefits
Car seat cover
Essential
Not Applicable
Superior
Enhanced
Benefits
Car key protection
Essential
Not Applicable
Superior
Enhanced
