Railroad vehicle insurance
ERGO railroad vehicle insurance provides coverage for all rolling stock. This insurance is relevant for owners and lessees of rolling stock, and for institutions financing the acquisition of rolling stock (banks, leasing companies, funds).
Railroad vehicle insurance
If you choose this insurance, we can cover:
- locomotives;
- railcars;
- motor tractors;
- passenger wagons;
- freight wagons;
- machinery for building and maintaining railways.
Why to choose ERGO insurance?
A wide range of insurance options
We offer a wide range of insured risks and several insurance options
Personalised insurance coverage
We tailor insurance coverage to your needs and make sure you avoid the most relevant risks
Uninterrupted coverage
Vehicle insurance is valid both within the working and outside the working hours
What is covered by railroad vehicle insurance?
All insured events
In the event of an unforeseen event, the insurance will cover against the following risks:
- fire;
- forces of nature;
- vandalism;
- burglary;
- emergency;
- sudden and unexpected losses.
Fire
coverage is valid against:
- fire which started in or spread from a fireplace that was not intended for that purpose and capable of spreading spontaneously;
- explosion. A container (boiler, pipe, etc.) explodes when its walls are ruptured, resulting in a pressure difference between the inside and outside of the container. If the explosion is caused by a chemical reaction inside the container, the damage caused to the container must be compensated even if the walls do not break. Does not apply to damage resulting from subatmospheric pressure;
- lightning strike.
Forces of nature
coverage is valid against:
- storm;
- hail.
Vandalism
coverage is valid against deliberate actions by third parties which intentionally damage or destroy the insured object.
Burglary
coverage is valid against misappropriation of the insured property or its parts by breaking into locked premises of a protected building or a fully fenced and protected area. Burglary is defined as the physical breaking through barrier structures (e.g. doors, windows, walls, roofs, fences, gates, etc.) limiting access to the place where the insured property is stored, using tools.
Emergency
coverage is valid against damage to or destruction of the insured object when it hits an obstacle while travelling or falls off the rails.
Sudden and unexpected losses
coverage is valid against losses of insured items, except for losses due to reasons that are unequivocally listed as non-insured events or exceptions.
What is covered by railroad vehicle insurance?
In the event of an unforeseen event, the insurance will cover against the following risks:
- fire;
- forces of nature;
- vandalism;
- burglary;
- emergency;
- sudden and unexpected losses.
coverage is valid against:
- fire which started in or spread from a fireplace that was not intended for that purpose and capable of spreading spontaneously;
- explosion. A container (boiler, pipe, etc.) explodes when its walls are ruptured, resulting in a pressure difference between the inside and outside of the container. If the explosion is caused by a chemical reaction inside the container, the damage caused to the container must be compensated even if the walls do not break. Does not apply to damage resulting from subatmospheric pressure;
- lightning strike.
coverage is valid against:
- storm;
- hail.
coverage is valid against deliberate actions by third parties which intentionally damage or destroy the insured object.
coverage is valid against misappropriation of the insured property or its parts by breaking into locked premises of a protected building or a fully fenced and protected area. Burglary is defined as the physical breaking through barrier structures (e.g. doors, windows, walls, roofs, fences, gates, etc.) limiting access to the place where the insured property is stored, using tools.
coverage is valid against damage to or destruction of the insured object when it hits an obstacle while travelling or falls off the rails.
coverage is valid against losses of insured items, except for losses due to reasons that are unequivocally listed as non-insured events or exceptions.
Railroad vehicle insurance options
Option S – insurance against the listed risks
Fire, explosion, lightning strike
Storm, hail
Burglary
Option M – insurance against the listed risks
Fire, explosion, lightning strike
Storm, hail
Burglary
Emergency
Vandalism
Option L – casco insurance except for internal failures
We insure against risks affecting the vehicle directly from the outside, except for:
defects of structures, materials or manufacturing;
failures of electrical, electronic, hydraulic parts, mechanical or other parts of the insured mechanism;
other events which are mentioned as non-insured risks.
Option XXL – casco insurance including internal failures
We compensate for sudden and unexpected losses, except for losses due to reasons listed as non-insured events or exceptions
Frequently asked questions about railroad vehicle insurance
Yes, we insure passenger and freight trains.
