{"type":"document","data":{"id":"c29c88cd-5822-46f6-b6b4-42fbad7ddb2f","localeString":"en-GB","publishDate":"2026-04-17T11:55:15.444+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"What determines if we can accept you for this insurance, if you can remain insured, what the insurance covers and what you pay for it?"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/eca88aa4-3226-4e61-af5a-eba8d9d9ca0d/segmentationpolicy-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/93771b50707b48f/original/segmentationpolicy-1920.jpg","extension":"jpg"},"title":"ING Property & Family Insurance segmentation policy","subtitle":"NN Non-life segmentation policy"},"backLink":{"textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Home Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>For boxes with the &apos;<strong>✓</strong>’ symbol, the characteristics below determine:</p><ul><li>A = acceptance of the insurance of the property and contents (possibly including theft) (Property), the Family insurance and the optional Legal Assistance insurance</li><li>P = the price (P) which you pay for it</li><li>S = the scope (S) of the insurance</li></ul><p>These concern matters which are determining characteristics in the context concerned. Questions are not asked about all characteristics in every case.</p>"}},{"componentType":"sectionTitle","title":"Segmentation policy"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th><p><strong>Characteristics</strong></p></th><th><p>    A     </p></th><th><p>    P     </p></th><th><p>    S     </p></th></tr></thead><tbody><tr><td><p><strong>ING Property Insurance</strong></p></td><td><p> </p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>The address of the insured property.</p></td><td><p><strong>     ✓</strong></p></td><td><p><strong>    ✓</strong></p></td><td><p><strong>     ✓</strong></p></td></tr><tr><td>The age of the policyholder</td><td><strong>     ✓</strong></td><td><strong>    ✓</strong></td><td> </td></tr><tr><td><p>You are the owner or tenant.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>It is a house or apartment (building).</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Main residence, rented, second home or vacant.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Detached, semi-detached or closed housing type.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Is the property under construction and not yet windproof?</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>In what year was the property constructed?</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><p> </p></td></tr><tr><td><p>How many rooms does the property have?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><p> </p></td></tr><tr><td><p>What is the reconstruction value of the property?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><p> </p></td></tr><tr><td><p>Is all or part of the property a listed building?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><p> </p></td></tr><tr><td><p>Is there an indoor or outdoor swimming pool?</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><p> </p></td></tr><tr><td><p>Is the property regularly occupied?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p><strong>   ✓</strong></p></td></tr><tr><td><p>Do the outer doors of the property have cylinder locks?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p>  <strong> ✓</strong></p></td></tr><tr><td><p>Is there an alarm in the property?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p>  <strong> ✓</strong></p></td></tr><tr><td><p>In addition to private residential use, a professional activity is also carried out in the property.</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>The (insured) value of the contents.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>The owner waives recourse against the tenant.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>The property is in an area classed as being at high risk of natural disasters.</p></td><td><p> </p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Has fire, family or motor insurance been refused or terminated in the last 5 years?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>Have losses been sustained or caused in the last 5 years?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>How many claims have been made for flooding in the last 5 years?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>How many losses have been suffered or caused since the insurance was taken out?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Specific measures to be taken.</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p><strong>ING Family Insurance and optional Legal Assistance insurance</strong></p></td><td><p> </p></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>Has fire, family or motor insurance been refused or terminated in the last 5 years?</p></td><td><strong>     ✓</strong></td><td><p> </p></td><td><p> </p></td></tr><tr><td><p>Have losses been sustained or caused in the last 5 years?</p></td><td><strong>     ✓</strong></td><td><p><strong>   ✓</strong></p></td><td><p> </p></td></tr><tr><td><p>How many losses have been sustained or caused since the insurance was taken out?</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td><p>Specific measures to be taken.</p></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td></tr><tr><td>The age of the policyholder</td><td><strong>     ✓</strong></td><td><strong>     ✓</strong></td><td> </td></tr></tbody></table><p>The criteria listed below may be given a different weighting in determining the premium when renewing a contract.</p>"}},{"componentType":"sectionTitle","title":"The characteristics are:"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The address of the insured property; the location of a property gives an indication as to the risk of damage or a break-in;</li><li>Age of the policyholder</li><li>Whether you are the owner or a tenant; compensation is made to owners for the new-for-old value and to tenants for the actual value;</li><li>Whether the property concerned is a house or an apartment (building); apartment buildings are only accepted if they have one single owner. Insurance for an apartment building does not include contents. Individual apartments in these apartment buildings cannot be insured by owners, but can be insured by tenants.</li><li>Whether it is your main residence, or you as the owner are letting it, or you are using it as a second home and occasionally letting it, or whether it is a building intended for residential use but is temporarily vacant or undergoing renovation;</li><li>Whether the property is detached, semi-detached or a closed housing type; this influences the value of the property and also has implications in the event of a loss through theft;</li><li>Whether the property is under construction and not yet windproof; for these properties, we provide more limited coverage during the construction period, which means that a lower premium is charged;</li><li>The year of the property’s construction; recent buildings are less prone to losses;</li><li>The number of rooms in your property;</li><li>The reconstruction value of the property. This insurance can be taken out for properties with a very high reconstruction value, they are assessed on an individual basis;</li><li>Whether all or part of the property is a listed building; listed properties frequently have a different value from traditional properties;</li><li>Whether you have an indoor or outdoor swimming pool; this partly determines the reconstruction value in the case of an owner or the actual value in the case of a tenant;</li><li>Whether the property is never unoccupied for longer than 60 nights in succession; a regularly occupied property is less likely to suffer a break-in;</li><li>Whether the external doors of the property have cylinder locks; a well-secured property is less likely to suffer a break-in;</li><li>Whether there is an approved alarm on the premises and if so what requirements if fulfils; a well-secured property deters thieves;</li><li>Whether In addition to private residential use, a professional activity is also carried out; we insure professions apart from pharmacists or purely administrative work - you will find more information at www.ing.be (in the “Frequently Asked Questions” section for this product);</li><li>The value for which the contents are insured; the higher the insured value, the higher the premium you will pay; the insured contents also determine the maximum compensation in the event of a claim;</li><li>Whether the owner waives recourse against the tenant; If this is not the case, we can recover losses from the tenant which means that you will pay a lower premium;</li><li>Whether the insured property is in an area classed as having a high risk of natural disasters; this is an indication of the risk of a claim;</li><li>Whether fire, family or motor insurance has been refused or terminated by an insurance company in the last 5 years; this provides us with information enabling us to assess the risk correctly;</li><li>How many losses have been sustained or caused by you and your fellow residents in the last five years; this provides us with information enabling us to assess the risk correctly;</li><li>How many losses to the property have been sustained or caused due to flooding in the last 5 years; this provides us with information enabling us to assess the risk correctly;</li><li>How many losses have been sustained or caused since you took out your insurance; this provides us with information enabling us to assess the risk correctly and may influence the continuation of the insurance, the conditions that are in force and what premium you pay;</li><li>Specific measures which we propose to you following inspection of your property or when you insurance changes.</li></ul>"}},{"componentType":"sectionTitle","title":"The following criteria apply to the Family insurance and the optional Legal Assistance insurance: Whether fire, family or motor insurance has been refused or terminated by"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Whether fire, family or motor insurance has been refused or terminated by an insurance company in the last 5 years; this provides us with information enabling us to assess the risk correctly;</li><li>How many losses have been sustained or caused by you and your fellow residents in the last five years; this provides us with information enabling us to assess the risk correctly;</li><li>How many losses have been sustained or caused since you took out your insurance; this provides us with information enabling us to assess the risk correctly and may influence the continuation of the insurance, the conditions that are in force and what premium you pay;</li><li>Specific measures which we propose to you when your insurance changes.<ul><li>This information is important when entering into the insurance, but also during its contract period.</li><li>Charges and taxes are applied in the premium simulation offered. These are stated separately in the policy.</li><li>You pay your Property insurance annually by bank transfer or automatic direct debit. Have you opted to pay by direct debit? In that case, you can spread the expense and make monthly payments at no extra cost.</li></ul></li></ul>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Need to modify your travel insurance?","intro":"Make sure your contract is up to date!","image":{"transformBaseUrl":"https://assets.ing.com/transform/9600cf69-b64c-4400-b0f0-ac0ce1ee393c/travel_young","type":"image","width":814,"original":"https://assets.ing.com/m/7731493525a76cbe/original/travel_young.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/modify-your-travel-insurance"},"linkText":"Insurance"}]}]}}}