Yes, you are legally obliged to take out civil liability (third party) insurance. If you cause an accident, your insurance will pay for the damage you cause to others, but not for the damage to your own car.
"}},{"title":"How can I apply for ING Car Insurance?","richBody":{"value":"Calculate your car insurance rate on www.ing.be, via Home'Bank or the ING Banking app. Interested? Apply and sign your contract online. You still have questions? Our staff will happily guide you. Call +32 2 464 65 01 (Monday to Friday 8 a.m. to 6 p.m.) or go to your branch.
"}},{"title":"I’m already insured elsewhere. How should I proceed ?","richBody":{"value":"Apply for your ING Car Insurance straight away and indicate in your request that you want ING to take care of your transfer!
Since 1 October 2024, a new law applies to contracts started or renewed after that date. You can find more information here.
"}},{"title":"What is a car loan?","richBody":{"value":"The ING Car Loan is an instalment loan for personal use intended for the purchase of a new or second-hand vehicle, regardless of whether it’s a car, motorbike or motorhome. This car loan is subject to the regulation on consumer credits.
"}},{"title":"What is the interest rate on a car loan?","richBody":{"value":"Your interest rate depends on your customer profile, the age of your car, the amount you borrow and the term of your loan. The annual percentage rate of charge (APR) is the total price of your loan on an annual basis. This means it takes into account interest and any loan charges.
Consult the consumer credit rates (PDF)
"}}]},{"componentType":"sectionTitle","title":"Your ING tips for Mobility"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The BOB Guarantee","body":"safely and responsibly on the road!","image":{"transformBaseUrl":"https://assets.ing.com/transform/54d9e989-6ab6-45f4-80b4-f6cf9109e2f4/AutoSalon_Bob","type":"image","width":1080,"original":"https://assets.ing.com/m/786501d6836a17d7/original/AutoSalon_Bob.svg","extension":"svg"},"date":"2024-12-06","link":{"url":"/en/individuals/insurance/insure-my-car/bob-guarantee"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Check-list for buying a car","body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c7417b77-aea2-4f69-9a55-773692cf41fc/Autosalon_CarKey","type":"image","width":1080,"original":"https://assets.ing.com/m/380728ebd7c15c0a/original/Autosalon_CarKey.svg","extension":"svg"},"date":"2024-12-06","link":{"url":"/en/individuals/my-life/mobility/buying-first-car"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Pay less for your car insurance","body":"How can you pay less for your car insurance? Discover our tips and tricks to lower your monthly payments.","image":{"transformBaseUrl":"https://assets.ing.com/transform/f59e474c-0b84-4c45-94a8-ee745a7284d2/AutoSalon_Red","type":"image","width":1080,"original":"https://assets.ing.com/m/182a43c8746b50e8/original/AutoSalon_Red.svg","extension":"svg"},"date":"2024-12-02","link":{"url":"/en/individuals/insurance/insure-my-car/tips-cheap-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"0% car loan","body":"Really interesting ?","image":{"transformBaseUrl":"https://assets.ing.com/transform/1c0a90d8-1510-40df-a2cc-88d93b8c6f5d/womankisscar","type":"image","width":1500,"original":"https://assets.ing.com/m/5fd14f2a1382c11f/original/womankisscar.svg","extension":"svg"},"date":"2024-12-06","link":{"url":"/en/individuals/my-life/mobility/car-loan-0-percent"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Driving safely in winter","body":"Follow our guide","image":{"transformBaseUrl":"https://assets.ing.com/transform/793ed90b-0d14-445b-848a-ba1a0c39cb29/illu-winter-transat","type":"image","width":2481,"altTextEN":"Person enjoying fully a winter trip thanks to a travel insurance","altTextFR":"Personne profitant pleinement de son séjour au ski grâce à son assurance voyage","original":"https://assets.ing.com/m/680baadcf5f4c7b5/original/illu-winter-transat.png","extension":"png"},"date":"2021-02-08","link":{"url":"/en/individuals/my-life/mobility/safe-driving-winter"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Energy-efficient driving","body":"Saving money","image":{"transformBaseUrl":"https://assets.ing.com/transform/58141aa7-9610-4cb1-bf1e-bf9dd7ed51e5/electriccarcable","type":"image","width":160,"original":"https://assets.ing.com/m/1f137039c1ccbb07/original/electriccarcable.svg","extension":"svg"},"date":"2021-09-01","link":{"url":"/en/individuals/my-life/mobility/switch-electric-car"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Mention"},{"componentType":"paragraph","richBody":{"value":"Scan& Drive General notes
The loan and insurance can be taken out separately.
Artificial Intelligence
Your picture is transferred to NN Non-life, which is using ChatGPT to recognize the brand, the model, the year of first registration or the chassis number of your vehicle.
This data is used for the sole purpose of giving you a quote. By clicking on ‘Take your picture', you agree to this processing.
Please only use this tool and take photographs of vehicles that are currently publicly for sale and obtain prior permission from the vehicle owner.
Please, don’t upload any picture that may show other people than you or reveal other personal data of third parties.
ING Belgium NV/SA and NN Non-life hold no liability in case of errors. We ask you to review the suggested data and correct if needed.
Chassis number recognition
The photographed chassis number is transferred to NN Non-life, which consults the Informex N.V. database to extract the vehicle’s technical data provided by the Department of Mobility and Transport and the Vehicle Crossroads Bank.
This data is used for the sole purpose of giving you a quote. By clicking on 'Next', you agree to this processing. Otherwise, you can enter your vehicle data manually.
Legal information related to the instalment loan
This advertising message, which concerns an instalment loan for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement.
The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section Charges and regulations ).
Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself, as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).
Your interest rate depends on your customer profile, the amount borrowed and the term of your loan. The annual percentage rate (APR) is the total price of your loan on an annual basis. This means that interest and any loan charges are taken into account.
Read more about the consumer credit tariffs (PDF)
Legal information related to the insurance
For the simulation
You are not yet insured following this price simulation.
The results of the simulation are indicative only, based on the data you provided.
Your actual price may vary depending on the starting date of the contract, the answers you give to our questions, a tariff change, or a modification of the product by NN Non-life Belgium.
The premium includes charges, taxes and contributions.
This simulation does not constitute an offer from ING nor NN Non-Life and is not binding neither for you or for ING or NN Non-life in any way.
Simulation assumptions
It calculates your prices based on the following assumptions:
It will give you an idea of how much your insurance would cost.
For a more personalised offer, you can always change these parameters in the sales flow at ING Home’Bank or ING Banking app.
Exclusions and limitations of this insurance policy
Promo regulations
Before taking out the insurance, consult the conditions and exclusions in the general terms and conditions and the information document about the insurance product, available on ING.be and at all ING branches.
Important documents
Before taking out an ING Car insurance policy, it is important that you consult the following documents (with the applicable conditions, exclusions and limits):
ING Car Insurance (a damage insurance) is subject to approval and is offered by:
Insurance intermediary: ING Belgium NV/SA – Bank – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via
ing.be/contact-us – Insurance broker, registered with the FSMA under the number 0403.200.393.
Insurer: NN Non-life – VAT number BE 0801.866.930 RPR Brussels, located at Fonsnylaan/Avenue Fosny 38, 1060 Brussels, under the supervision of the NBB accredited under code 2925 and authorised to take out insurance in Belgium on the basis of freedom of establishment in Belgium. Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V., insurance company under Dutch law, under the supervision of the DNB and authorised under code number NBB 2925, with registered office at Prinses Beatrixlaan 35, 2595 AK 's-Gravenhage, The Netherlands – Chamber of Commerce number 27023707.
Lender: ING Belgium NV/SA - Bank - Marnixlaan/Avenue Marnix 24, B-1000 Brussels - RLP Brussels - VAT: BE 0403.200.393 - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.