🥇Voted best buy by Testachats
ING Family Insurance has been awarded the Best Buy label following an extensive analysis of family insurance products on the Belgian market conducted by Testachats. Their study compared 49 family insurance contracts across 53 objective criteria, covering both policies with and without legal assistance. The results were published online on the Testachats website on 29 September 2025.
This independent recognition reflects our commitment to offering customers reliable, transparent and genuinely useful protection for everyday situations — whether it involves a child breaking a window, a dog causing an accident, a bicycle damaging someone’s property or an incident occurring while on holiday.
Choosing ING Family Insurance means choosing lasting peace of mind, supported by strong and recognised coverage from a trusted and independent organisation. Your family deserves the very best — and we are here to protect it.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/e39c08a1-c481-407a-bbe9-4f119110d9b5/Label_TestAchats_FamilyInsurance_FR-2481x2019","altTextEN":"Logo Best Buy Test Achats FR","altTextNL":"Logo Beste Koop Test Aankoop FR","altTextFR":"Logo Maitre Achat Test Achats FR","altTextDE":"Logo Verbraucherorganisation Test Achats FR","original":"https://assets.ing.com/m/268cd4e38a10a811/original/Label_TestAchats_FamilyInsurance_FR-2481x2019.png","extension":"png"}},{"componentType":"sectionTitle","title":"All about this insurance"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/1f916a6b-66f2-42ec-bc57-b88a076d2546/skateboardkidnopadding","type":"image","width":1037,"original":"https://assets.ing.com/m/384d90a668f1b83a/original/skateboardkidnopadding.svg","extension":"svg"},"highlighted":false,"items":[{"body":"You can take out this insurance online from start to finish. You are insured immediately after payment.","title":"Quick and online"},{"body":"Whether you are single, living together or married, or have children or not, ING Family Insurance is adapted to your circumstances.","title":"Tailor made"},{"body":"From 54€/year","title":"Attractive premium"}]},{"componentType":"sectionTitle","title":"What is a family insurance?"},{"componentType":"paragraph","richBody":{"value":"An insurance policy for private liability cover and legal assistance for families. It is subject to Belgian law and was developed by NN Non-life, a Dutch company, with attractive premiums and customised cover.
ING Family Insurance covers the costs of any material or physical damage accidentally caused to another person by you or a member of your family and for which you are liable. And it also works the other way around.
For instance, if someone damages your bicycle and refuses to pay for the repair. In this case, if you have opted for optional "Legal Protection" cover, the insurance policy will reimburse you for the cost of any legal assistance you may need.
"}},{"componentType":"sectionTitle","title":"Who does the family insurance cover?"},{"componentType":"paragraph","richBody":{"value":"The family insurance covers all people and pets living under the roof of the policyholder.
"},"textLinks":[{"url":"https://assets.ing.com/m/657400f7801086bf/original/ING-Family-Insurance-EN-general-terms-and-conditions.pdf","text":"For more details read our terms and conditions"}]},{"componentType":"sectionTitle","title":"What does this family insurance cover?"},{"componentType":"paragraph","richBody":{"value":"Before taking out the product, please review the basic cover, optional cover, limitations and exclusions outlined in the general terms and conditions and the information document on the insurance product. You will find some examples below:
Basic cover
Options
Extended cover for insured claims
What are the main exclusions and restrictions of this insurance?
The following are not insured:
The cover limitations are specified in the General Terms and Conditions. Here are a few examples :
Family insurance is not legally compulsory but is strongly recommended. Most Belgians have taken out a family insurance policy.
"}},{"componentType":"sectionTitle","title":"Who can take out this family insurance?"},{"componentType":"paragraph","richBody":{"value":"Any ING customer, provided they are an adult natural person residing in Belgium, regardless of whether they are single, cohabiting or married, whether or not they have children, and whether or not they have a pet. There is an ING Family Insurance for any family circumstances!
"}},{"componentType":"sectionTitle","title":"How does the subscription process work?"},{"componentType":"paragraph","richBody":{"value":"Do you already have family insurance, but would like to switch to ING Family Insurance developed by NN Non-life? We will take care of this for you free of charge! All you need to do is provide us with the following information at least three months before your current policy expires:
Rate:
You benefit from a rate tailored to your needs. This means that your rate is determined on the basis of our most up-to-date information, taking into account various segmentation criteria and their impact on a risk. As a result, a rate may change when the contract is granted. We will keep you informed.
Even if you compare different contracts, there may be other premiums, given the underlying segmentation criteria that are different in that case. Only contracts with identical parameters and compared at the same time have the same price.
About the insurance policy term: This insurance is taken out for a period of 1 year. It shall be tacitly renewed for one year at a time, unless one of the parties objects.
I already have a Family insurance with another insurer. How can I change?
Apply for your ING Family Insurance immediately and indicate in the application process that you want ING to arrange your transfer.
As of 1 October 2024, a new law applies to contracts entered into or extended after that date. More information can be found Link . For contracts signed or extended before 1 October 2024, the old law of 3 months' notice applies until the next extension.
"},"textLinks":[{"url":"/en/individuals/insurance/insure-my-home/segmentation-policy-fire-family-insurance","text":"the segmentation policy"}]},{"componentType":"sectionTitle","title":"What is the amount of the excess for the family insurance?"},{"componentType":"paragraph","richBody":{"value":"Managing your insurance policy is child's play at ING. You can choose the method that suits you best.
In most cases, policy changes can be made using the dynamic PDF forms available via Home'Bank; however, some changes will have to be made by contacting the insurer NN directly by telephone, post or e-mail.
You can also call the NN team on ING number +32 2 464 60 04 (Monday to Friday from 9 a.m. to 5p.m.). The desired changes to your policy will be recorded immediately. In addition, you will always receive written confirmation to your legal address.
"}},{"componentType":"paragraph","title":"Important information before calculating your premium.","richBody":{"value":"You can find a complete description of the insurance policies, exclusions and restrictions in the General Terms and Conditions and in the information document on the ING Family Insurance product .These documents are available at ing.be and at all ING Branches.
When taking out a policy online, a needs analysis, setting out your requirements and needs for ING Family Insurance will also be generated based on your needs and your choice of cover made at the time. ING will send it to you by post and you can also view it at Home'Bank.
About our insurance and conflicts of interest: you can find general information about ING in Belgium's insurance and conflicts of interest policy and about the Dutch insurance company, NN Non-life, at www.ing.be > Charges and regulations > Information and regulations > Insurer.
"},"textLinks":[{"url":"https://assets.ing.com/m/657400f7801086bf/original/ING-Family-Insurance-EN-general-terms-and-conditions.pdf","text":"the General Terms and Conditions"},{"url":"https://assets.ing.com/m/eb12d0128ba2c84d/original/IPID-Family-Insurance-EN.pdf","text":"the information document on the ING Family Insurance product"}]},{"componentType":"paragraph","title":"Complaints","richBody":{"value":"Not completely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you.
Not completely satisfied with your ING Home & Family Insurance?
Contact NN online: homefamily@nn.be
"}},{"componentType":"sectionTitle","title":"How do you get started?"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Calculate","body":"Calculate the premium in a few steps."},{"title":"Apply","body":"Choose your cover and complete your application in 5 minutes."},{"title":"Confirm","body":"Your policies will be sent to you by email and you’ll be covered from midnight the following day from the date you choose."}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/insurance/family?EW=true","text":"Log in to receive your personal offer"}},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Make a claim","intro":"Suffered from any type of damage? We’re here to help.","image":{"transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/283e551e1a232377/original/how-do-you-file-a-statement-of-claim-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/notify-claim"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"An overview of your insurance policies?","intro":"View all your contracts online via Home'Bank","image":{"transformBaseUrl":"https://assets.ing.com/transform/cc64a0d0-847d-40ca-89f6-b071ca5a51e8/manchild","type":"image","width":814,"original":"https://assets.ing.com/m/7797498d80d9cd4b/original/manchild.jpg","extension":"jpg"},"link":{"url":"https://ebanking.ing.be/en/retail/insurance?standalone=true"},"linkText":"Insurance"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Need to modify your insurance?","intro":"Make sure your contract is up to date!","image":{"transformBaseUrl":"https://assets.ing.com/transform/e8fbeaa0-777b-4614-93cc-e8c75aa95cae/A-close-up-of-a-hand-holding-a-retro-arcade-joystick","type":"image","width":1920,"original":"https://assets.ing.com/m/69c85440ed1f3f5c/original/A-close-up-of-a-hand-holding-a-retro-arcade-joystick.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/modify-your-insurance"},"linkText":"Insurance"}]},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for owners","intro":"Insurer : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","type":"image","width":1920,"original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-owners"},"promoText":"20% discount on the 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Car Insurance","intro":"Insurer : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/50672da5-7e85-4636-85e5-137f3a6bc522/Family-takes-group-selfie-in-car-during-road-trip","type":"image","width":4500,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5ecc05f4d8ea2753/original/Family-takes-group-selfie-in-car-during-road-trip.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-car/car-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Home Insurance for tenants","intro":"Insurer : NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/0724435c-0893-4e31-a5a8-0d30e998b4b3/Flatmates-in-the-kitchen-chatting-as-they-make-coffee","type":"image","width":5700,"original":"https://assets.ing.com/m/7dc4a60630fca249/original/Flatmates-in-the-kitchen-chatting-as-they-make-coffee.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-tenants"},"promoText":"15% discount on 1st year","promotionalLabel":{"labelType":"commercial","body":"Offer"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Notice"},{"componentType":"paragraph","richBody":{"value":"In cases where a policy is being taken over from another insurer, we can take care of all the administrative formalities, and you will only have to send us a certificate relating to your claims history. If we do not receive this certificate in time, the policy will be cancelled.
"}},{"componentType":"paragraph","title":"ING Family Insurance is an insurance policy offered subject to approval by:","richBody":{"value":"