{"type":"document","data":{"id":"a813b286-b779-495b-930f-71d8c703d71e","localeString":"en-GB","publishDate":"2025-05-07T00:00:25.365+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The price of your car insurance depends on a number of characteristics. Which ones exactly and when you have to pay more or less, you can discover here."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"The segmentation policy determines whether you’re eligible for car insurance (and whether it can be extended), sets its scope and the amount of your premium.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/c9c1d7f2-f21b-448e-9484-7a7230c9f67d/segmentationpolicycar-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/672bd17846aa852c/original/segmentationpolicycar-1920.jpg","extension":"jpg"},"title":"The price of your car insurance","subtitle":"What characteristics determine the price of your car insurance?"},"backLink":{"textLink":{"url":"/en/individuals/insurance/insure-my-car","text":"Insuring my car"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>The <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-car/car-insurance\">car insurance</a> is drawn up based on your individual situation and characteristics, which are all considered to offer you a tailor-made rate. The information you provide for this is obviously important when you take out the insurance, but also for the duration of the contract.</p><table><tbody><tr><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>The criteria listed below may be given a different weighting in determining the premium when renewing a contract.</span></span></span></span></span></span></td></tr></tbody></table><p>The following characteristics are crucial for acceptance of third-party liability insurance and for calculating the price of your<a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-car/car-insurance\"> car insurance</a>:</p><ul><li><strong>The vehicle’s characteristics:</strong> the brand, power, fuel, insured value, and accessories all affect your car insurance premium for the cover of your choice. For example, more powerful vehicles will have a higher insurance premium.</li><li><strong>Use of the vehicle:</strong> the number of kilometres you drive also has an impact on your car insurance cost. The less you use the vehicle, the less you pay, as the risk of an accident decreases. That’s why drivers who drive less than 10,000 kilometres a year benefit from a reduction on their car insurance premium!</li><li><strong>The type of vehicle:</strong> do you drive a hybrid or electric vehicle? Perfect! Opting for more eco-friendly modes of driving leads to great reductions on your insurance premium. At ING, the impact of this is visible on the third-party liability and the various comprehensive covers.</li><li><strong>If you use the vehicle for purely professional purposes:</strong> professional transport of goods, people or materials and rental of vehicles are not covered by the ING Car Insurance.</li><li><strong>Your previous claims:</strong> for example, a driver who has had many claims in previous years will pay a higher premium than someone who has never had any. The car insurance price is calculated in such a way that it reflects your driving history and behaviour as closely as possible. Insurance premiums for people who have had too many claims in previous years may also be refused by the car insurance company.</li><li><strong>Your driving experience:</strong> a driver who has had his licence for 10 years, for example, will pay a lower premium than someone who just got his driver’s licence. The price of car insurance is therefore calculated based on the driver’s driving experience.</li><li><strong>The home address also plays a role in determining the price</strong>: for example, someone who lives in the city runs a greater risk of damage than someone who lives in the countryside.</li><li><strong>A combination of the age of the usual driver and the type of car</strong>: for example, younger inexperienced drivers who own a more powerful car are at greater risk of a car insurance claim. That&apos;s why this factor is also considered when determining the premium and drawing up the insurance.</li><li><strong>The amount of the excess:</strong> for comprehensive car insurance, you can opt for a compulsory excess of €400, €600, or €800, which in its turn allows you to influence the amount of your monthly premium.</li><li><strong>Declarations by the policyholder relating to the policyholder himself and other drivers in the household:</strong> the drivers’ insurance history, criminal convictions, limitations affecting driving behaviour, and previous claims all play a part in whether the insurance is accepted.</li><li><strong>Optional covers:</strong> comprehensive, mini-comprehensive, driver insurance, legal assistance, and breakdown assistance have an impact on the overall cost of your monthly payments.</li></ul><p> </p><p><strong>TIP:</strong><br />Young occasional drivers can also be insured free of charge when included in their parents’ policy to build up claim-free years.</p>"}},{"componentType":"highlight","title":"Please note","richBody":{"value":"<p><span><span><span><span><span><span>Fees, charges, and taxes are included in the rate quoted during a premium simulation. They are mentioned separately in the documents that make up the policy.</span></span></span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"How can I calculate the price of car insurance?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>To find out the price of your car insurance with ING, you can simply run a simulation on our <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-car/car-insurance\">car insurance</a> page.</span></span></span></span></span></span></p>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"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":"articleCard","cardType":"article","cardSize":"medium","title":"What is third-party liability (RC) car insurance?","body":"The third-party liability cover is compulsory when taking out any car insurance and is a conditio sine qua non for driving safely. But what exactly does it cover? Follow our guide!","image":{"transformBaseUrl":"https://assets.ing.com/transform/e9b061a0-a12e-448b-9bfc-889c9cc99408/Carinsurance_Woman","type":"image","width":814,"original":"https://assets.ing.com/m/1d7e3aa092aebc9/original/Carinsurance_Woman.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/third-party-liability-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Understanding comprehensive car insurance","body":"Comprehensive or omnium insurance is the car insurance option that offers maximum cover. It’s therefore particularly suitable for new cars or recent vehicles (less than 5 years old), whether second-hand or not.","image":{"transformBaseUrl":"https://assets.ing.com/transform/69144cc0-7117-4031-afc2-5973f8d865bc/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street","type":"image","width":5616,"original":"https://assets.ing.com/m/7f6abbc609632fcc/original/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is mini-comprehensive car insurance?","body":"Mini-comprehensive or mini-omnium car insurance is optional and supplements your Third-Party Liability insurance, which is compulsory.","image":{"transformBaseUrl":"https://assets.ing.com/transform/68dbd4db-78da-432e-a1df-cd92b5faeaea/Young-girl-helps-father-wash-car-in-driveway","type":"image","width":6016,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/12961d276c01535a/original/Young-girl-helps-father-wash-car-in-driveway.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/mini-comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The driver insurance option: what’s it really for?","body":"Driver's insurance is not compulsory, but it ensures that you can count on compensation as a driver even when you yourself are at fault in an accident.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c4ec4a21-be1a-4d1b-94b0-a5767eeba2ee/Dog-seated-in-car-driver-seat","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/ab80c8ffd391821/original/Dog-seated-in-car-driver-seat.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/driver-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Roadside assistance option in Belgium and abroad","body":"Drive with peace of mind thanks to the roadside assistance option available with your ING Car insurance. Insurer: NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/9b2f67b8-9777-40af-8f1f-b1fbcb46ffa0/jeep","type":"image","width":814,"original":"https://assets.ing.com/m/2e7ad5d8fb0453a2/original/jeep.jpg","extension":"jpg"},"date":"2023-08-11","link":{"url":"/en/individuals/insurance/insure-my-car/option-roadside-assistance-belgium-and-abroad"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Legal assistance car insurance","body":"Keep your cool under any circumstances with the legal assistance of ING’s car insurance! | Insurer: NN Non-life.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920,"original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","extension":"jpg"},"date":"2023-08-11","link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/protection-juridique-assurance-auto"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What should you do in case of a car accident?","body":"Discover the video","image":{"transformBaseUrl":"https://assets.ing.com/transform/bddd4272-f132-469f-af12-16b4940f5b97/car-insurance-after-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/294b30c580f9dfdd/original/car-insurance-after-claim-1920.jpg","extension":"jpg"},"date":"2020-09-25","link":{"url":"/en/individuals/my-life/mobility/car-insurance-claim"}}]}]}}}