ERGO My Auto powered by Drive&Win - Car Insurance

ERGO My Auto powered by Drive & Win car insurance plans are designed to offer coverage flexibility, combined with the security and benefits of telematics technology.

Their innovation is based on their connection to ERGO Drive&Win application that helps you become even better drivers and paying reasonable premiums based on your own driving behavior!

DESCRIPTION
Through winbank secure environment you can easily calculate the premium for your car insurance, purchase your insurance online with 15% discount and enjoy the unique benefits and discounts of ERGO My Auto powered by Drive&Win insurance plans.
COVERS
  • Basic
  • Optional
DURATION

3 months
or
6 months
or
1 year
PREREQUISITES
  • Policy holder must be the owner and insured person.
  • Vehicle’s value is up to € 30,000.
  • Vehicle’s usage belongs to one of the following categories: Private car, Truck, Farmer truck.
DESCRIPTION
Through winbank secure environment you can easily calculate the premium for your car insurance, purchase your insurance online with 15% discount and enjoy the unique benefits and discounts of ERGO My Auto powered by Drive&Win insurance plans.
COVERS
  • Basic
  • Optional
DURATION

3 months
or
6 months
or
1 year
PREREQUISITES
  • Policy holder must be the owner and insured person.
  • Vehicle’s value is up to € 30,000.
  • Vehicle’s usage belongs to one of the following categories: Private car, Truck, Farmer truck.

How it works

Through winbank secure environment you can easily calculate the premium for your car and immediately purchase your insurance online and enjoy the unique benefits and discounts that the new ERGO My Auto powered by Drive&Win insurance plans offer.

Step 1: Insure your car with 15% discount
ERGO My Auto powered by Drive&Win car insurance programs offer you 15% discount on your premiums.

Step 2: Download the ERGO Drive&Win application
With the issuance of your insurance policy, you automatically registered in the ERGO Drive&Win application and you will receive an e-mail with instructions to login to the application. During your insurance the usage of the app is a prerequisite to maintain the original 15% discount.

Step 3: Track your driving behavior and earn extra discounts
Through the app you can monitor your score in detail, both overall and per route, in order to continuously improve your performance and benefit from the privileges provided by the new ERGO My Auto powered by Drive&Win. Depending on your driving behavior, you can get an additional up to 15% discount on your premiums.

Step 4: Participate in contests and other activities
Through the application, you can receive updates and participate in competitions and other activities organized by ERGO Insurance Company.

Plans and Coverages



  • ERGO My Auto Simple Plus powered by Drive&Win: For you who want the necessary coverages for your vehicle and at the same time the possibility to choose additional coverages based on your needs.
  • ERGO My Auto Total powered by Drive&Win: For you who want to secure your vehicle from more potential risks you may encounter.


Basic Covers ERGO My Auto Simple Plus powered by Drive&Win ERGO My AutoTotal powered by Drive&Win
Third Party Liability (Bodily Injuries & Material Damage)
  
  
Not renewed driving license
  
  
Material damages arising out of uninsured vehicle
  
  
Earthquake
  
  
Vehicle towing following accident
  
  
Accident Care
  
  
Fire
     
Total and Partial Theft
     
Weather Phenomena (except hail)
     



Optional Covers ERGO My Auto Simple Plus powered by Drive&Win ERGO My AutoTotal powered by Drive&Win
Road Assistance
  
  
Glass Breakage
  
  
Legal Protection
  
  
Driver’s Accident
  
  
Hail
     

Discounts & Benefits

When you issue your insurance policy through winbank you can get an additional discount 15% compared to the initial premium!

When you renew your policy, you can benefit from additional discounts on the premiums of Third party liability in respect of the use of motor vehicles (Bodily Injury & Property Damage) depending on your driving behavior, which translates into ERGO stars.

The driving profile is defined when the application has enough data on your driving behavior. From the start of using the app, 400 kilometers and 40 trips are required to determine your profile. Then, in order to keep the discount of your insurance policy, you must continue to use the ERGO Drive&Win app throughout the duration of your policy, driving a minimum of 100 kilometers each month and accumulating ERGO SafeMiles, thus contributing to the overall road safety.


ERGO stars
Additional Discount
***
5%
****
10%
*****
15%

Additional discounts

In addition to the discounts you enjoy due to the innovative ERGO My Auto powered by Drive&Win plans, ERGO Insurance rewards you with additional discounts if you are an existing customer and already holder of an individual ERGO insurance policy.

Gift voucher up to 20 € for purchases in My market stores

For every new car insurance policy you win a € 20 gift voucher on 12-month insurance policy and a € 10 gift voucher on 6-month.

Purchases must be worth at least € 50 (in one transaction), from any physical My market store.

The offer is valid until 31/12/2022 and the redemption of the gift vouchers can be made until 31/12/2022.

Benefits

You can participate in competitions to win prizes. In addition, you can participate in donations and other corporate social responsibility activities through the ERGO Drive&Win app by redeeming the ERGO SafeMiles you collect according to your driving behavior.

ERGO My Auto Advantages

Insurance to your measures

You choose the package that suits your needs, preferences and budget.

Free Accident Care

All My Auto insurance packages include free Accident Care, provided by the insurance company ERGO in cooperation with the roadside assistance company Mapfre Asistencia.

Compensation through Amicable Settlement

If compensation arises for your vehicle, you will be reimbursed immediately, without time-consuming procedures, through the Amicable Settlement.

Premiums in interest-free installments

Using any credit card of Piraeus Bank, you can pay your premiums in up to 12 interest-free monthly installments, depending on the duration of insurance you choose.

FAQs

  • How can I get insured to the new plans?
    With the new insurance plans ERGO My Auto powered by Drive&Win, you have the flexibility to choose the insurance plan you need and enrich it with additional coverages according to your needs.

    Once you make your payment in winbank, you will receive your insurance policy by email, along with all the respective documents for your insurance.

    If we need to check your vehicle, the process is also digital and can be done quickly and easily from your smartphone. In this case, you will receive a SMS with a special link, through which you will photograph your vehicle following the instructions of the application. For this process you will need just 3 minutes!

  • Do I need any documentation for my insurance?
    No documents are required to insure your car with winbank. Even if your vehicle needs to be inspected to activate all the coverages of the insurance plan you choose, the process is also digital and is done simply and quickly from your mobile phone!

    How? After completing the purchase process, you will receive a link by SMS, through which you will be guided step by step to photograph specific parts of your car:

    • If the selected plan includes Glass Breakage coverage, photos of the front and rear of the car are required.
    • If the selected plan includes Theft and Fire coverages, additional photos of the sides of the car, the odometer and the Vehicle Registration Document are required, where the Vehicle Identification Number (VIN) of the car must be clearly visible.
    • If the selected plan includes Hail damage coverage, an additional photo of the car roof is required

  • How do I pay for my insurance policy?
    By debiting your bank account.

    By debiting the credit card of Piraeus Bank, with payment up to 12 interest-free installments, depending on the insurance period of your vehicle.

    The renewal payment will be made in the same way, by a standing order.

  • Can I pay in interest-free instalments?
    By using a Piraeus Bank credit card you can pay your insurance policy with up to 12 interest-free instalments, depending on the insurance period of your vehicle.

  • Can I choose the duration of my policy?
    Through winbank, an insurance policy can be issued and renewed with an annual, six-month or three-month duration.

  • How do I collect ERGO stars in the ERGO Drive&Win app?
    The quality of your driving behavior is conveyed in ERGO Stars (1 to 5 stars) and is rated, per route and overall, on a scale from 0 to 100, according to the driver's performance in terms of specific actions, such as exceeding speed limits, braking hard, accelerating hard, using a mobile phone while driving and driving between 00:00 and 05:00, which is the high-risk zone. This total rating score is converted into ERGO Stars.

    For more info: https://www.ergohellas.gr/pages/customer-support/drive-and-win



  • ERGO Drive&Win score

    What do we count as speeding?
    Speeding is driving above the speed limit, based on the limits of each road. No matter how accurate the GPS values are, there are cases where the speed values differ. For this reason, a small margin has been added to the actual speed limits for your benefit. Your score is calculated by taking into account the time you drove over the speed limit and how much over it.

  • What do we count as mobile usage?
    Mobile usage is calculated based on the device's movement while driving (talking, texting, etc.) as recorded by the mobile sensors. For mobile usage, OSeven's algorithms do not record or evaluate data about the content or operation of other applications. Your score for mobile usage is not affected as long as the device remains still (when using Bluetooth or hands free, for example) or if the usage is while the vehicle is not moving.

  • Can I use my mobile phone while driving?
    Using the app does not affect the other functions of your mobile phone. But, using a mobile phone while driving significantly increases your driving risk and lowers your score. For road safety and optimal app functionality, it is recommended that you do not use your mobile phone while driving.

  • What is braking and accelerating aggressiveness?
    Braking and acceleration are scored based on 2 parameters:

    • the number of hard braking or accelerating that you might do and
    • the overall driving behavior in regard with braking and acceleration while driving.

    This overall behavior is called "Aggressiveness" and can be low, medium or high. Aggressiveness is important because it shows how smooth your overall driving is. Medium and/or high aggression increases your driving risk and therefore lowers your score.

  • When will my route score be displayed?
    Your route score will be available a few minutes after the route data is sent and only for the routes you were the driver. The time it will take the data to be sent depends on the duration of the route and quality of the internet connection. By default, the driver data is sent at the end of each route and only when the device is within a Wi-Fi zone. However, if you wish, you can enable the data sending via the mobile network (Settings > send route via 3G/4G), taking into account that this setting will make use of your data (~1MB per driving hour).

    In case you experience significant delays in receiving results while your routes have been sent:

    • Check that you are connected to the internet (Wi-Fi or 3G/4G)
    • Refresh the list of your routes by swiping downwards

    In case you continue to experience issues, please contact ERGO’s Customer Care.


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Piraeus Financial Holdings SA, as an insurance intermediary, carries out the activity of distribution of insurance products, in the name and on behalf of the insurance companies with which it maintains cooperation.