Home assistance
All day service
Emergency Home Assistance
Why to choose ERGO insurance?
If an unexpected event happens in your insured home – a burst pipe, slammed door or broken glass – we will take care of the problem quickly.
- We will call a technician who will come to your home promptly at any time of the day or week (24/7);
- The technician will stop the damage from spreading, repair the fault and tidy up the scene.
What does the home assistance insurance cover?
Emergency of water supply, heating, sewage systems inside the building
- We will compensate for the temporary sealing of missing pipes in the heating, water supply, sewerage or other internal system inside the insured residential building or apartment after an accident;
- We will pay for the cleaning of blocked drains inside;
- We will take care of water extraction, cleaning and drying of premises, cleaning of carpets and upholstered furniture.
Breakage of glass in external windows or doors of a building
- We will cover the temporary covering of a window or glass door;
- We will reimburse the delivery of glass products to the site;
- We will compensate for glass replacement work;
- We will cover up to 12 hours of physical protection of the property if we are unable to seal the window or door cavity with temporary material.
External door lock damage
- In case of a broken, jammed, frozen, lost or damaged external door lock, we will reimburse you for the emergency opening of the door lock;
- We will arrange for lock replacement work and key production;
- We will pay for up to 12 hours of physical protection of the property if the lock cannot be repaired or replaced with a temporary lock.
Other sudden and unexpected events
- We will take care of the temporary sealing of cavities in the external enclosing structures of the insured building or apartment after occurrence of the event;
- We will remove objects that have fallen on the building.
Electrical installation failure due to power failure
- We will replace and turn on light fittings;
- We will replace fuses and sockets if they were the cause of the power failure;
- We will replace wiring and connect to the electricity meter if no repairs are necessary and the wiring was the cause of the power failure.
Benefit limit
- For works and services – EUR 500;
- Applies to one and all events during the insurance year;
- For materials – EUR 50;
- When the price of the carried out works or provided services exceeds the limit, the additional costs are borne by the Policyholder. If the event is recognised as an insured event, the costs incurred by the Policyholder shall be reimbursed in accordance with the insurance rules.
Insurance benefit
- Paid only for sudden and unexpected events as defined in the description of events;
- Paid directly to the Insurer’s partner who carried out the works, or directly to the customer if the customer paid to the Insurer’s partner for the carried out works;
- Total annual limit of insurance benefit for all works or services (including materials) – EUR 550;
- Home assistance insurance is not subject to an unconditional deductible.
Home assistance insurance is not valid when
- The service necessary for the Policyholder or event is not listed in the description of events;
- The same event occurs for more than once (the same cause of the event);
- The insurance contract is terminated for any reason or the insurance cover is suspended;
- The Policyholder has failed to register the event with the short number 1887 and/or uses the services of suppliers not approved by the Insurer.
Other conditions
- In case of occurrence of an accident, please immediately call the short number 1887, otherwise no service will be provided Home assistance insurance is provided 24 hours a day, 7 days a week in the territory of the Republic of Lithuania at the address of the insured property specified in the insurance policy.