Enjoy reliable protection and peace of mind, wherever the road takes you.
Compare our coverage options and choose the protection that best fits your needs.
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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| Mini Omnium | Omnium | |
Compulsary third-party insurance | Yes | No | No |
Damage you cause to others | ✓ | ✓ | ✓ |
Roadside assistance after an accident in Belgium | ✓ | ✓ | ✓ |
BOB cover if the designated driver has been drinking | ✓ | ✓ | ✓ |
Glass breakage | x | ✓ | ✓ |
Fire, damage by nature or animals | x | ✓ | ✓ |
Burglar, car theft | x | ✓ | ✓ |
| Protection against functional hidden defects for your car | x | ✓ | ✓ |
Material damage to your own car and vandalism | x | x | ✓ |
You can extend your coverage with extras and additional guarantees:
Exclusions and limitations
There are certain conditions under which the insurance may not pay out:
The list above is not exhaustive. Read the Product Information Document and Terms and Conditions before signing up.
🔗 More information
"}},{"componentType":"sectionTitle","title":"Coverage for Car Purchase Protection"},{"componentType":"paragraph","richBody":{"value":"Buy your second-hand car with confidence.
Enjoy extra peace of mind with coverage for eligible repair costs if a hidden mechanical or functional defect is discovered after purchase.
Available for newly subscribed policies.
"}},{"actionAccordionList":[{"icon":{"extension":"svg","original":"https://assets.ing.com/asset/c95797bf-20f4-4a42-8eb2-59f0b2dec325/Car-insurance-accident.svg","publishedAt":"2024-01-16T10:54:36Z","transformBaseUrl":"https://assets.ing.com/transform/c95797bf-20f4-4a42-8eb2-59f0b2dec325/Car-insurance-accident","type":"image","updatedAt":"2025-10-17T09:26:08Z","width":160},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Unforeseen mechanical and functional defects discovered within the first 3 months after purchase or the first 5,000 km driven, whichever comes first.
This includes components such as the gearbox, suspension, parking sensors, airbag system, compressor, oil pump, alternator and engine.
"}}],"title":{"value":"What is covered?
"}},{"icon":{"extension":"svg","original":"https://assets.ing.com/asset/f78ebe80-1e35-45c4-ba8e-5e61fe8ee11f/warninglights1nopadding.svg","publishedAt":"2026-02-12T09:38:10Z","transformBaseUrl":"https://assets.ing.com/transform/f78ebe80-1e35-45c4-ba8e-5e61fe8ee11f/warninglights1nopadding","type":"image","updatedAt":"2026-02-12T09:52:19Z","width":90},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Normal wear and tear, such as tyres, brakes, batteries and wipers.
Cosmetic damage and damage that was already visible before purchasing the vehicle are also excluded.
"}}],"title":{"value":"What is not covered?
"}},{"icon":{"extension":"svg","original":"https://assets.ing.com/asset/1c1108a4-02d3-494b-b036-18e1ea6f0190/handholdingnewkeysnopadding.svg","publishedAt":"2024-11-12T08:35:43Z","transformBaseUrl":"https://assets.ing.com/transform/1c1108a4-02d3-494b-b036-18e1ea6f0190/handholdingnewkeysnopadding","type":"image","updatedAt":"2024-11-12T08:37:20Z","width":0},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Second-hand vehicles up to 6 years old with less than 100,000 km at the time of purchase.
The vehicle must be covered by a Mini Omnium or Full Omnium policy, sold with a valid Car-Pass certificate, and supported by a purchase invoice or purchase agreement.
"}}],"title":{"value":"Eligible vehicles
"}},{"icon":{"extension":"svg","original":"https://assets.ing.com/asset/9c77c493-76cd-4ed2-b687-3fee278b9ed9/Umbrella_spot-2.svg","publishedAt":"2026-08-24T08:49:43Z","transformBaseUrl":"https://assets.ing.com/transform/9c77c493-76cd-4ed2-b687-3fee278b9ed9/Umbrella_spot-2","type":"image","updatedAt":"2026-08-24T08:50:03Z","width":160},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"We cover eligible repair costs up to €2,000 per claim.
A fixed excess of €600 applies.
"}}],"title":{"value":"Coverage limits
"}}],"componentType":"actionAccordion"},{"componentType":"paragraph","richBody":{"value":"The lists above are not exhaustive. Please read the detailed clause conditions before signing up.
"}},{"componentType":"sectionTitle","title":"ING Scan&Drive"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/29d7b776bcb5ccf2/original/Scan-and-drive-illu.svg","transformBaseUrl":"https://assets.ing.com/transform/801e4b9c-5061-47bf-bf46-5c9c74fdd849/Scan-and-drive-illu"},"componentType":"paragraph","richBody":{"value":"Your premium is based on various risk-related criteria and the information available at the time of your quote. The price may change when the contract is granted. You will always be informed.
Find out more about the segmentation policy.
Only contracts with identical parameters assessed at the same time have the same price. More details are available in our segmentation policy.
This insurance is taken out for a period of 1 year and is automatically renewed each year, unless one of the parties objects.
Withdrawal right
You have the right to withdraw from your contract within 14 calendar days after its conclusion, without penalty and without providing any reason. Instructions on how to exercise this right are available in your contractual documentation and via Home Bank and ING Banking app.
Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you: How do I submit a complaint?
Do you have any comments or complaints about ING Car Insurance?
Contact NN online: mobility@nn.be
About insurance and conflicts of interest:
You can consult the general information on the insurance policies and the conflicts of interest policy (including information on remuneration) of ING Belgium SA/NV and of the insurer NN Non-Life via www.ing.be > Charges and regulations > Information and regulations > Insurance.
Human assistance
If you require assistance or would like to discuss the product before concluding the contract, you may request assistance from one of our advisers through our contact channels.
"}},{"componentType":"sectionTitle","title":"How do you get started?"},{"componentType":"cta","textLink":{"text":"Log in to receive your personal price","url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Not a customer yet? You can still get your personal price here.","url":"/en/individuals/insurance/insure-my-car/simulator-car-insurance"}]},{"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","publishedAt":"2022-07-27T13:06:36Z","transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","updatedAt":"2022-07-27T13:07:48Z","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"}]},"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"}]},{"componentType":"paragraph","richBody":{"value":"Offer valid for every subscription to a new annual ING Car Insurance contract between 10/09/2026 and 15/11/2026 included, with promotion code PROMOCAR which is automatically applied in the salesflow. This offer is subject to acceptance of your application by the insurer and mutual agreement.
Offer valid for ING customers, without obligation to take out an ING Car Loan or to purchase other financial services from ING.
The 15% discount applies to all coverages during the first year, in case of monthly or annual payments. The discount is valid for both online subscription as subscription in agency. The discount cannot be combined with any other temporary campaign discounts and will be immediately included in your premium.
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.
Exclusive offer for ING Car Loan customers:
Offer valid for the subscription to a new annual ING Car Insurance contract (insurer: NN Non-Life) between 10/09/2026 and 15/11/2026 included, with promotion code PROMOCARXL which is automatically applied in the salesflow for eligible customers. The 20% discount applies to the first annual premium, in case of monthly or annual payments. The discount applies to both online subscription and subscription in agency after ING has approved the car loan application. The discount cannot be combined with any other temporary campaign discounts and will be immediately included in your premium. The discount is valid on all guarantees.
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