German insurance specialist, ERGO, has unveiled a new motor insurance product, branded Smart and Best. The new products are customer-friendly and clearly structured, ensuring no nasty surprises for policyholders should they need to claim. Claims handling has also been digitalised: policyholders can now report a claim and track its progress online.
“While developing these new products we focused on what our customers want. And to ensure that there are no nasty surprises if a policyholder needs to claim we have included a comprehensive range of cover services in the basic coverage”, says Mathias Scheuber, Chief Executive Officer of ERGO Versicherung AG.
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Powerful basic coverage
The basic coverage offers a comprehensive range of services, including extended windscreen damage cover with interior cleaning after glass breakage, no new-for-old deduction and insurance against animal bites.
The Smart tariff rewards no claims with a lower base premium. With a choice of intuitive modules, customers can tailor the insurance coverage to their individual requirements. Add-ons for Smart include a discount for using an authorised car workshop, roadside assistance, replacement car plus and 12 months’ value protection. By using an authorised workshop, customers can save 20% of the comprehensive coverage amount and benefit from many services in the event of a claim.
The Best tariff additionally offers a longer value protection option (24 months) and no-claims discount protection. “We intentionally chose only a few, but very customer-centric modules. They can be added on as required and are intuitive to ensure that customers get exactly the individual level of insurance coverage they need”, says Frank Mauelshagen, Head of the Division Automobile at ERGO.
Digital claims handling
In the event of an accident, policyholders can simply make a claim online, even outside of office hours. All that is required for identification is the license plate number. Lodging a claim and checking coverage is fully automated. Policyholders can use the “Claim Tracker” to view the current status of their claim.
Policyholders can select their car repair workshop online when they submit their claim and details of the damage are automatically transmitted to this workshop. Without any extra delay, the workshop will take care of everything else: repair appointment, a replacement vehicle, collection and return, and repairing the vehicle.
“Delivering a consistently customer-centric approach was a decisive factor throughout the product and process development”, says Scheuber.
The new automobile insurance tariffs can be found (in German) online at: www.ergo.de/Kfz-Versicherung.
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