If you already have hospitalisation insurance, it would be easy to think that the costs following the accident would be fully covered. This is not entirely true. While hospitalisation insurance covers the cost of a potential stay in the hospital, driver insurance will compensate the driver for loss of income due being temporarily or permanently disabled or because of a physical injury.
It should be noted, however, that driver insurance comes after the compensation paid by the health insurance fund and the compensation provided for in other contracts (employee disability pension, etc.).
This optional cover of the car insurance is therefore still recommended.
"}},{"componentType":"sectionTitle","title":"The advantages of the ING driver insurance option"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"svg","original":"https://assets.ing.com/m/380728ebd7c15c0a/original/Autosalon_CarKey.svg","transformBaseUrl":"https://assets.ing.com/transform/c7417b77-aea2-4f69-9a55-773692cf41fc/Autosalon_CarKey","type":"image","width":1080},"items":[{"body":"Depending on the seriousness of the driver's injuries, compensation can go as high as €1,500,000","title":"Up to €1,500,000 of cover"},{"body":"The driver is insured when at the wheel of the car, but also within a perimeter of one metre around the car (unloading the boot, open doors, etc.).","title":"Driver insured in and around the vehicle"},{"body":"If the driver dies as a result of the accident, compensation is extended to the members of his family.","title":"Compensation extended to dependants"}]},{"componentType":"cta","textLink":{"text":"Calculate your rate","url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true"}},{"componentType":"sectionTitle","title":"Compare coverages"},{"componentType":"paragraph","richBody":{"value":"
| 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":"sectionTitle","title":"Useful information"},{"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 03
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":"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":"Any questions? We're happy to answer them!"},{"accordionList":[{"richBody":{"value":"Fixed compensation is based on a pre-defined sum to cover loss of income, depending on the degree of disability.
Compensation under common law, on the other hand, is based on actual medical expenses. It is therefore sometimes higher than the fixed compensation.
At ING, the driver insurance is based on compensation under common law. In addition, in the event of physical injury, the insured can benefit from a high level of cover (up to a maximum of €1,500.00). The amount of reimbursement will depend on the seriousness of the injury.
For details, see the general terms and conditions of NN car insurance (page 38).
"},"textLinks":[{"text":"General terms and Conditions Car Insurance","url":"https://assets.ing.com/m/7426787e428d8d8d/original/ING-car-insurance-EN.pdf"}],"title":"What is the difference between fixed compensation and compensation under common law?"},{"richBody":{"value":"Being a driver does not necessarily mean sitting in your car and driving. Accidents with personal injury also occur when the vehicle is stationary, which is why driver insurance also covers you when you are about to get out of or into your vehicle (within a one-metre radius of the vehicle), unloading the trunk, or even changing a wheel.
"},"title":"Does driver insurance only cover me if I'm inside my vehicle?"},{"richBody":{"value":"In this specific case, i.e. if the other party is responsible for the accident, the Third-Party insurance of the person at fault will compensate you. If the damage is purely material, their compulsory car insurance will pay for the repairs.
If there is a dispute, it is preferable to contact the legal protection policy taken out with your insurer beforehand. This optional insurance will represent your interests whatever happens.
Driver's insurance thus covers you for all accidents for which you are responsible and which result in physical damage to the driver.
"},"title":"Will my driver's insurance cover me if I'm not at fault in a car accident?"},{"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":"sectionTitle","title":"Discover also the other optional coverages"},{"cards":[{"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.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-08-04","image":{"extension":"jpg","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","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},"link":{"url":"/en/individuals/insurance/insure-my-car/comprehensive-car-insurance"},"title":"Understanding comprehensive 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?"},{"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"}],"componentType":"cards"}]},"hasMacro":false,"id":"86ea6cb7-ad47-4a55-9fcd-56596ba40032","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.