It’s an optional cover that complements the compulsory third-party liability insurance (RC car). While Civil Liability insurance covers bodily injury and material damage caused to third parties, comprehensive car insurance is designed to compensate for material damage caused to your car when you are at fault, as well as accidents caused directly by you, such as when you drive into a tree.
"}},{"componentType":"sectionTitle","title":"What does comprehensive car insurance cover?"},{"componentType":"paragraph","richBody":{"value":"Comprehensive insurance covers all damages to your car except those listed below:
All exceptions can be found in the General Terms and Conditions of the ING Car Insurance
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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 | ✓ |
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":"the general terms and conditions (PDF)","url":"https://assets.ing.com/m/7426787e428d8d8d/original/ING-car-insurance-EN.pdf"},{"text":"This information document on the insurance product (PDF)","url":"https://assets.ing.com/m/77d698412c14ef34/original/Insurance-Product-Information-Document_EN.pdf"}],"title":"Exclusions and limitations of this insurance policy"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"Calculate the premium in a few steps"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Calculate the premium in a few steps.","title":"Simulate"},{"body":"Pleased? Fill in your demand within 5 minutes.","title":"Apply"},{"body":"You can expect an answer within 2 working days maximum.","title":"Receive"}]}},{"componentType":"cta","textLink":{"text":"Calculate my rate","url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Rate
You’ll benefit from a tailor-made rate. Find out more about the segmentation policy.
Term
The term of your contract will be one year. The policy is automatically extended for a further period of one year on each annual due date, unless you cancel the insurance no later than three months before the expiry date.
Do you have any comments or complaints?
Not entirely satisfied with the distribution of this product?
Contact ING online via ing.be/complaints
Call ING on +32 2 464 60 04
Not entirely satisfied with your ING Car Insurance?
Contact NN online: mobility@nn.be;
Call NN: +32 2 407 70 00;
You can also send your complaint by post to NN Complaint Management, NN Non-life, PB 80100, 1070 Brussels.
Not satisfied with our response to your complaint about the distribution of this product?
You can also contact the Insurance Ombudsman, Square de Meeûs/de Meeûssquare 35, 1000 Brussels, Belgium - Tel.: + 32 2 547 58 71 - Fax: + 32 2 547 59 75 - info@ombudsman-insurance.be - www.ombudsman-insurance.be
About insurance and conflicts of interest: you can read the general information about the insurance policies and the description of the conflict of interest policy, including the benefits, of ING Belgium SA/NV and of the insurer. This information can always be consulted at ing. be > Charges and regulations > Information and regulations > Insurance.
"},"title":"How do you apply for ING Car Insurance?"},{"componentType":"sectionTitle","title":"Any questions? We're happy to answer them!"},{"accordionList":[{"richBody":{"value":"An omnium insurance is best taken out when your vehicle is new or recent, as it fully covers repairs. A full comprehensive car insurance covers the cost of repairs to your vehicle when you are at fault as the driver, when you cause the damage yourself (f.e. when you hit a wall or tree), when it’s not possible to find those responsible for the damage caused to your vehicle (hit-and-run, or when there’s doubt as to who is responsible for the damage), as well as vandalism.
"},"title":"When should you take out comprehensive car insurance?"},{"richBody":{"value":"If you have taken out comprehensive car insurance and there’s evidence of material damage to your vehicle, the insurance provides compensation in the event of an accident at fault or when those responsible for the accident are not clearly identified (hit-and-run, liability not clearly established, vandalism).
"},"title":"When does full omnium insurance provide cover?"},{"richBody":{"value":"There are 2 main criteria that determine the way comprehensive car insurance works: the excess and the compensation.
The excess
An insurance company can offer different types of excesses: an English excess, a fixed excess, and an excess based on a percentage of the value of the vehicle. At ING, the full omnium insurance is based on a fixed excess that is decided when the insurance contract is signed. In order for the insurer to pay for repairs, the insured must pay the amount of the excess decided beforehand. In practice, the excess will be deducted from the amount paid to you for the repairs. At ING, policyholders can choose the amount of their excess: €400, €600 or €800.
Good to know:
The higher the excess, the lower the monthly payments!
The compensation
At ING, the compensation system changes according to the age of the vehicle. Before the 61st month (from the date of registration of the vehicle and not the date of purchase), the agreed pre-loss value prevails. Thereafter, the actual cash value (ACV) of the vehicle is considered.
The agreed value is based on the catalogue value of the car, excluding VAT and accessories, to which a 'depreciation' index is added from the 24th month of the vehicle's life.
You can find more information in the general terms and conditions.
"},"title":"How does comprehensive car insurance work?"},{"richBody":{"value":"The older the car, the lower its catalogue value. At ING, it’s only after 24 months that a depreciation index is applied to the insured vehicle, which ensures maximum compensation for 2 years. However, this should not lead you to believe that the comprehensive car insurance coverage is no longer necessary afterwards, because it still offers true peace of mind: your insurer pays for damages, and even in the event of an accident at fault your car is protected, which is not the case with mini-omnium insurance, for example!
What's more, if you've taken out a loan to buy your car, it's advisable to opt for a full comprehensive cover for as long as you repay the loan. Imagine the worst happens and your car is out of use, and you have to continue paying monthly instalments for a car that no longer exists!
"},"title":"When should you discontinue a full omnium?"},{"richBody":{"value":"The mini-comprehensive car insurance or mini-omnium is an interesting option for second-hand vehicles or cars over 4 years old, because the monthly payments can be up to 3 times lower than those for the full omnium. On the other hand, your car is no longer as well covered against material damage for which you are responsible in an accident, vandalism or a hit-and-run, in which cases you will have to pay for repairs.
That said, the mini omnium still covers you for certain damage such as glass breakage, storms, hail and other forces of nature, fire, collisions with animals, theft, or burglary.
You can consult the general conditions for more information.
For full details, please consult the general terms and conditions of the insurance product (from page 29 for omnium)
"},"title":"When should you choose a mini-comprehensive car insurance?"},{"richBody":{"value":"Managing your insurance policy is very easy with ING. Choose the policy that suits you best.
You will always receive a written confirmation at your legal address or on your email address.
"},"title":"How can I adapt my car insurance?"}],"componentType":"accordion"},{"componentType":"highlight","richBody":{"value":"The catalogue value excludes VAT and options. It is generally preferred for new vehicles and almost new vehicles (up to 2 years old). This value is used if you wish to buy back the exact same vehicle in the event of a total loss.
The invoice value (tvai) is suitable for second-hand vehicles and vehicles over 2 years old. The invoiced value protects your investment but does not offer the possibility of buying back the same vehicle in the event of a total loss. This is why the premium is lower than a premium based on catalogue value.
The value to be insured: this option is available when you no longer have the purchase invoice for the vehicle to be insured. This value can be calculated online.
"},"title":"Good to know"},{"componentType":"sectionTitle","title":"Discover also the other optional coverages"},{"cards":[{"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.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-07-17","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/ab80c8ffd391821/original/Dog-seated-in-car-driver-seat.jpg","transformBaseUrl":"https://assets.ing.com/transform/c4ec4a21-be1a-4d1b-94b0-a5767eeba2ee/Dog-seated-in-car-driver-seat","type":"image","width":4096},"link":{"url":"/en/individuals/insurance/insure-my-car/driver-insurance"},"title":"The driver insurance option: what’s it really for?"},{"body":"Drive with peace of mind thanks to the roadside assistance option available with your ING Car insurance. Insurer: NN Non-Life","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-08-11","image":{"extension":"jpg","original":"https://assets.ing.com/m/2e7ad5d8fb0453a2/original/jeep.jpg","transformBaseUrl":"https://assets.ing.com/transform/9b2f67b8-9777-40af-8f1f-b1fbcb46ffa0/jeep","type":"image","width":814},"link":{"url":"/en/individuals/insurance/insure-my-car/option-roadside-assistance-belgium-and-abroad"},"title":"Roadside assistance option in Belgium and abroad"},{"body":"Keep your cool under any circumstances with the legal assistance of ING’s car insurance! | Insurer: NN Non-life.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-08-11","image":{"extension":"jpg","original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920},"link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/protection-juridique-assurance-auto"},"title":"Legal assistance car insurance"},{"body":"Mini-comprehensive or mini-omnium car insurance is optional and supplements your Third-Party Liability insurance, which is compulsory.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-07-17","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/12961d276c01535a/original/Young-girl-helps-father-wash-car-in-driveway.jpg","transformBaseUrl":"https://assets.ing.com/transform/68dbd4db-78da-432e-a1df-cd92b5faeaea/Young-girl-helps-father-wash-car-in-driveway","type":"image","width":6016},"link":{"url":"/en/individuals/insurance/insure-my-car/mini-comprehensive-car-insurance"},"title":"What is mini-comprehensive car insurance?"}],"componentType":"cards"}]},"hasMacro":false,"id":"c0931ccb-c33f-410d-933a-88f1a6ef20c4","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Information"},{"componentType":"paragraph","richBody":{"value":""},"title":"ING Car Insurance is offered to you, subject to acceptance, 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.