| 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 | ✓ |
Exclusions and limitations of this insurance policy
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":"General conditions (PDF)"},{"url":"https://assets.ing.com/m/27fcfa27a3cc41b6/original/ING-car-insurance-product-information-document-EN.pdf","text":"Information document on car insurance product (PDF)"}]},{"componentType":"sectionTitle","title":"How do you get started?"},{"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":"Useful information"},{"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":"Any questions? We're happy to answer them!"},{"componentType":"accordion","accordionList":[{"title":"What does third-party liability car insurance not cover?","richBody":{"value":"The third-party liability cover of your car insurance does not cover the driver of the policyholder's vehicle. In other words, if the car insurance is in your name and you cause an accident with your car (of which you are the driver), third-party liability insurance will not cover your bodily injuries. It is therefore highly advisable to take out driver's insurance as well to protect yourself.
"}},{"title":"Does third-party liability insurance cover occasional drivers?","richBody":{"value":"An insurance company usually defines 2 different driver profiles:
The main driver of the insured vehicle. This is the person who drives the vehicle most frequently.
The occasional driver (or second driver) is someone who drives the vehicle only in exceptional cases and non-recurrently. Think, for example, of a friend someone you trust to whom you lend your car to run errands.
At ING, the policyholder is only required to declare the main driver. In the insurance policy, however, it is preferable to also declare occasional drivers living under the same roof. This can be particularly advantageous for young drivers who, if they are mentioned in the insurance contract, will be able to prove a driving history that will lower their young driver’s premium.
"}},{"title":"Who can take out third-party car insurance?","richBody":{"value":"Anyone over the age of 18 with a driver’s licence, whose main residence is in Belgium and who owns a vehicle registered in Belgium.
"}},{"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.
"}}]},{"componentType":"sectionTitle","title":"Discover more about our different options"},{"componentType":"cards","cards":[{"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":"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":"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 consider!"},{"componentType":"cards","cards":[{"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"}},{"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":"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"}}]}]},"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":"Insurer: NN Non-Life Insurance NV, a company incorporated under Dutch law authorised to insure risks in Belgium, insurance company registered in Belgium under green card code number 1449. Registered office: Prinses Beatrixlaan 35, 2595 AK The Hague, The Netherlands – Trade Register number 27127537, supervised by De Nederlandsche Bank.
"}},{"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.