Third-Party Liability (or rc car) insurance, which is compulsory, already covers bodily injury and property damage caused to third parties.
Mini-comprehensive car insurance includes Fire, Theft, Glass Breakage, Natural forces, and Collision with Animals. Only the following types of damage are not covered by the mini-comprehensive cover:
An overview of all exclusions can be found in the general terms and conditions of car insurance
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true","text":"Calculate your rate"}},{"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":[{"url":"https://assets.ing.com/m/7426787e428d8d8d/original/ING-car-insurance-EN.pdf","text":"the general terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/77d698412c14ef34/original/Insurance-Product-Information-Document_EN.pdf","text":"This information document on the insurance product (PDF)"}]},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"Calculate the premium in a few steps"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Simulate","body":"Calculate the premium in a few steps."},{"title":"Apply","body":"Pleased? Fill in your demand within 5 minutes."},{"title":"Receive","body":"You can expect an answer within 2 working days maximum."}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/insurance/car?EW=true","text":"Calculate my rate"}},{"componentType":"sectionTitle","title":"Any questions? We're happy to answer them!"},{"componentType":"accordion","accordionList":[{"title":"How can I adapt my 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":"When should I opt for a mini-comprehensive insurance?","richBody":{"value":"The mini-comprehensive vehicle insurance is particularly interesting for second-hand vehicles or cars over 5 years old, because it is the actual value of your vehicle that will determine possible repairs.
In other words, the longer you drive, the more your car loses its value. So, if the repair costs are higher than the vehicle's real value, the car won't be repaired. If your car has lost quite a bit of its former glory, it is therefore better to opt for the mini-comprehensive.
"}},{"title":"What is the difference between semi-comprehensive and fully comprehensive?","richBody":{"value":"
The 2 types of comprehensive insurance offer the same basic cover, except that the fully comprehensive or full omnium cover also covers damage to your vehicle in the event of a car accident (even if at fault) or an act of vandalism. That's why it's a good idea to extend your cover when you buy a new car.
"}},{"title":"Do I have to pay an excess for the mini-comprehensive insurance?","richBody":{"value":"No excess is required if you take out mini-comprehensive car insurance. The same applies to glass breakage.
For full details, please consult the general terms and conditions of the car insurance product (from page 29 for the mini-comprehensive).
"}}]},{"componentType":"sectionTitle","title":"Good to know!"},{"componentType":"paragraph","title":"How do you apply for ING Car Insurance?","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.
"}},{"componentType":"sectionTitle","title":"Discover also the other optional coverages"},{"componentType":"cards","cards":[{"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":"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"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"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":"What is the bonus-malus system?","body":"While the term bonus-malus is still widespread, it is no longer used at ING. We now speak of \"claim-free years\".","image":{"transformBaseUrl":"https://assets.ing.com/transform/4d6fb0a6-f033-491b-b1a3-ac90db6c8708/Man-hugs-car-in-garage-showroom","type":"image","width":5130,"original":"https://assets.ing.com/m/25534a5c70973a60/original/Man-hugs-car-in-garage-showroom.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/en/individuals/insurance/insure-my-car/bonus-malus"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Our tips to find cheap car insurance","body":"The price of your car insurance depends on several characteristics. Which ones exactly and when you have to pay more or less, you can discover here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2110ed7d-347a-4bbc-ab02-969ce8f24598/Close-up-rear-view-of-hands-on-car-head-rest","type":"image","width":5616,"original":"https://assets.ing.com/m/ad3e6f2adbb8dc4/original/Close-up-rear-view-of-hands-on-car-head-rest.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/payer-son-assurance-auto-moins-cher"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Check-list for buying a car","body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","image":{"transformBaseUrl":"https://assets.ing.com/transform/958b0864-458c-4af1-848a-4b2e46170541/first-car-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/bf3aa28fcc1f00/original/first-car-1920.jpg","extension":"jpg"},"date":"2025-07-02","link":{"url":"/en/individuals/my-life/mobility/buying-first-car"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Information"},{"componentType":"paragraph","title":"ING Car Insurance is offered to you, subject to acceptance, by:","richBody":{"value":""}},{"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.