Home insurance information must be provided so that the insurance company ERGO can settle the claim in accordance with the rules on double insurance, which keeps the premium cost for the benefit bicycle low without affecting the employee's future home insurance premium. *
How double insurance is handled when filing a claim
Independent claims handling: ERGO handles and provides compensation for the entire claim directly. The employee does not need to pursue the claim themselves with their own home insurance company.
Allocation of costs (right of recourse): ERGO has the right to recover part of the claim cost from the employee's home insurance company afterward in accordance with the Insurance Contracts Act (ยง 3-7).
No impact on home insurance: ERGO's recovery of part of the claim cost from the home insurance company does not affect the employee's future premium or bonus for their home insurance.
Obligation to provide information: If information about the home insurance company is missing, ERGO has the right to recover directly from the employee the portion of the claim cost that the home insurance would otherwise have covered.
* The complete insurance terms are specified in the product terms under Infocenter in the portal.