ING Car Insurance is a comprehensive car insurance policy (non-life) governed by Belgian law and developed by NN Non-life, a company incorporated under Dutch law, for your private car.
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| CL + Mini-comprehensive | CL + Fully comprehensive | |
Compulsary third-party insurance | Yes | No | No |
Damage to third parties | ✓ | ✓ | ✓ |
Service in the event of damage caused by an accident in Belgium | ✓ | ✓ | ✓ |
BOB coverage if the driver is under the influence of alcohol | ✓ | ✓ | ✓ |
Glass breakage | ✓ | ✓ | |
Fire, damage by nature or animals | ✓ | ✓ | |
Burglary, car theft | ✓ | ✓ | |
Material damage to your own car and vandalism | ✓ |
You can also choose to extend your car insurance with any of the following extra cover options
See more details and examples of what’s covered (PDF)
Exclusions and limitations of this insurance policy
A full description of this insurance can be found in the general terms and conditions (PDF) and the information document on the insurance product (PDF). Please read these documents before you subscribe.
"},"textLinks":[{"text":"General terms and conditions (PDF)","url":"https://assets.ing.com/m/7426787e428d8d8d/original/ING-car-insurance-EN.pdf"},{"text":"Information document on the insurance product (PDF)","url":"https://assets.ing.com/m/27fcfa27a3cc41b6/original/ING-car-insurance-product-information-document-EN.pdf"},{"text":"Minimum conditions Civil Liability Motor Vehicles (PDF)","url":"https://assets.ing.com/m/1d5f22fae9ccd96a/original/ING-motorbike-and-moped-insurance-minimum-conditions-EN.pdf"},{"text":"ING Mobility Risk Insurance - General provisions (PDF)","url":"https://assets.ing.com/m/769bd371aa3907d2/original/ING-motorbike-and-moped-insurance-general-provisions-EN.pdf"}]},{"componentType":"sectionTitle","title":"Simulate your car insurance premium"},{"componentType":"feature","featureName":"car-insurance-simulator"},{"componentType":"sectionTitle","title":"Why choose ING Car Insurance"},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/m/739bc37d1bf8e5c0/original/Person-in-a-car-with-flames.jpg","transformBaseUrl":"https://assets.ing.com/transform/854dc9ed-ef00-4417-97e9-d65b3b3d369f/Person-in-a-car-with-flames"},"componentType":"paragraph","richBody":{"value":"Rate
| "You benefit from a rate tailored to you. 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." |
Find out more about the segmentation 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.
Do you have any comments or complaints?
Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you.
Do you have any comments or complaints about ING Car Insurance?
Contact NN online: mobility@nn.be
About insurance and conflicts of interest:
This information can always be consulted at www.ing. be > Charges and regulations > Information and regulations > Insurance.
"},"textLinks":[{"text":"the general information about insurance policies (PDF)","url":"https://assets.ing.com/m/58ca999aee1d0105/original/GeneralInformationInsuranceEN.pdf"},{"text":"the segmentation policy","url":"/en/individuals/insurance/insure-my-car/car-insurance-price"}]},{"componentType":"sectionTitle","title":"Any questions? We're happy to answer them!"},{"accordionList":[{"richBody":{"value":"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":"Is car insurance compulsory?"},{"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":"How can I apply for ING Car Insurance?"},{"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":"I’m already insured elsewhere. How should I proceed ?"},{"richBody":{"value":"Yes, of course! Your first car is maybe a a second hand car. Your premium will be determined on the invoice value or the current market value of your vehicle. When you switch insurance, your premium is often lower. You enter the invoice value of your vehicle yourself. If you no longer have the invoice, our simulator will estimate the market value of your vehicle based on the data you entered.
"},"title":"Can I also take out car insurance for an used car?"},{"richBody":{"value":"At ING, you can easily manage your insurance policy yourself.
You will always receive a written confirmation at your legal address or on your email address.
"},"title":"How can I adapt my car insurance?"},{"richBody":{"value":"Yes, it’s possible. If you can’t pay your insurance in one go, you can opt for monthly payments via direct debit. There are no extra charges for this.
"},"title":"Can I pay for my car insurance in instalments?"},{"richBody":{"value":"Fully comprehensive is recommended for new cars and offers maximum protection (see table with the different coverages). The mini-comprehensive option is attractive if your car is not so new but you still want extensive protection.
"},"title":"Do I opt for mini-comprehensive or fully comprehensive?"},{"richBody":{"value":"An excess or deductible is the amount you have to pay yourself in the event of a claim. You only have to pay a deductible in case you have an accident for which your full comprehensive cover intervenes. With full comprehensive insurance, you can choose how much excess you want to pay when you sign up: 400 euros, 600 euros or 800 euros in the case of material damage to your own car caused by you.
No excess is required if you take out mini-comprehensive car insurance. The same applies to glass breakage.
You should declare this damage as soon as possible:
Damaged window? Make an appointment with Carglass directly (if you have Mini-Omnium or Omnium, ING will cover the cost at no extra charge).
For emergencies: Call the ING Assist'Line on +32 2 725 15 00, available 24/7.
"},"title":"What must I do in the event of an accident?"},{"richBody":{"value":"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 next steps.
"},"title":"How does the simulator work?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/283e551e1a232377/original/how-do-you-file-a-statement-of-claim-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","width":1920},"intro":"Suffered from any type of damage? We’re here to help.","link":{"url":"/en/individuals/insurance/notify-claim"},"title":"Make a claim"}],"componentType":"cards"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"More services and how to contact us","url":"/en/individuals/services"}]}]},"hasMacro":false,"id":"2f40fa40-f4ea-460c-9c8d-48a2df262aaa","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"paragraph","richBody":{"value":""},"title":"ING Car Insurance (a damage insurance) is subject to approval and is offered by:"},{"componentType":"paragraph","richBody":{"value":"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.
"}},{"componentType":"paragraph","richBody":{"value":"Insurer: NN Non-life – VAT number BE 0801.866.930 RPR Brussels, located at Fonsnylaan 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.
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 – www.ing.be – Insurance broker, registered with the FSMA under the number 0403.200.393 – More information about ING Belgium NV/SA.
"}},{"componentType":"paragraph","richBody":{"value":"Please read these documents before you subscribe. A full description of this insurance can be found in :
"},"textLinks":[{"text":"The general terms and conditions (PDF)","url":"https://assets.ing.com/m/7426787e428d8d8d/original/ING-car-insurance-EN.pdf"},{"text":"The information document on the insurance product (PDF)","url":"https://assets.ing.com/m/27fcfa27a3cc41b6/original/ING-car-insurance-product-information-document-EN.pdf"}]}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insuring my car","url":"/en/individuals/insurance/insure-my-car"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/28c51c515ecf898d/original/Carsalon26-banner.jpg","transformBaseUrl":"https://assets.ing.com/transform/3300cc8b-12d9-402e-9c3a-fa2a5473b325/Carsalon26-banner","type":"image","width":1200},"subtitle":"Tailor-made insurance for your car and you | Insurer: NN Non-life. Read the information sheet before subscribing.","title":"Car insurance"},"cta":{"componentType":"cta","textLink":{"text":"Log in to receive your personal price","url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Calculate your price here","url":"/en/individuals/insurance/insure-my-car/car-insurance#simulate-your-car-insurance-premium"}},"usps":[{"body":"Pay-as-you-drive insurance","icon":{"extension":"png","original":"https://assets.ing.com/m/5705233ee26dfa59/original/Savings_goals-Pig_Outline.png","transformBaseUrl":"https://assets.ing.com/transform/6391f035-6ae0-4a80-b74f-cfe38bace0d2/Savings_goals-Pig_Outline","type":"image","width":2500}},{"body":"Tailor-made rates","icon":{"altTextEN":"calculator","altTextNL":"rekenmachine","extension":"png","original":"https://assets.ing.com/m/13f6e98348ab86a5/original/calculate-investment.png","transformBaseUrl":"https://assets.ing.com/transform/80c4c47c-0d87-4aa6-90a9-6c8f8f7ecb1b/calculate-investment","type":"image","width":288}},{"body":"100% online","icon":{"extension":"svg","original":"https://assets.ing.com/m/776f09929ca745d/original/Nabestaanden-new-Icons_stap3-160x160-oranje.svg","transformBaseUrl":"https://assets.ing.com/transform/40fc96fd-5a30-46ae-91d1-680bea680c8f/Nabestaanden-new-Icons_stap3-160x160-oranje","type":"image","width":160}}]},"publishDate":"2026-04-24T21:55:17.544+02:00"}}