The ING driver insurance for motos and mopeds covers your physical injuries when you as a driver are liable for an accident. The coverage of this option is not limited to medical expenses and treatment costs, as driver's insurance also compensates your temporary incapacity for work, permanent disability, and death. Therefore, this cover is highly recommended, even when you have already taken out hospitalisation insurance.
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.).
"}},{"componentType":"sectionTitle","title":"Does driver insurance only cover me if I’m driving my motor vehicle?"},{"componentType":"paragraph","richBody":{"value":"Being a driver does not necessarily mean driving your motor vehicle on the road. Accidents with personal injury also occur when the vehicle is stationary, which is why we compensate the consequences of a traffic accident when you:
In this specific case, i.e., if the other party is responsible for the accident, the third-party liability insurance of the person at fault will compensate you. If the damage is purely material, their compulsory car or motor insurance will pay for the repairs.
If there is a dispute, it is preferable to contact the motor legal assistance policy taken out with your insurer beforehand. This optional insurance will represent your interests whatever happens.
Driver insurance for motos and mopeds thus covers you for all accidents for which you are responsible, and which result in physical damage to the driver.
The ING Motorbike & Moped Insurance is a comprehensive motorbike insurance policy (non-life) governed by Belgian law and developed by NN Non-life, a company incorporated under Dutch law, for your private vehicle.
| Civil Liability (CL) | CL + mini-omnium | CL + omnium | |
| Compulsory third party liability (damage to third parties) | checked | checked | checked |
| Service in the event of damage after an accident in Belgium | checked | checked | checked |
| Glass or windshield breakage | checked | checked | |
| Vehicle theft or damage caused by attempted theft | checked | checked | |
| Fire (explosion, short circuit) |
| checked | checked |
| Damage caused by forces of nature | checked | checked | |
| Damage caused by collision with animals | checked | checked | |
| Own damage or vandalism | checked |
(mini-omnium or omnium is only available for motorbikes of 51cc or more). Civil Liability is always included.
"}},{"componentType":"paragraph","richBody":{"value":"
You can also extend your motorbike & moped insurance with the following extra cover options:
See this page for more details and examples about the different coverages.
"}},{"componentType":"paragraph","title":"Exclusions and limitations of this insurance policy:","richBody":{"value":"
A full description of this insurance can be found in the :
"},"textLinks":[{"url":"https://assets.ing.com/m/400841b946b539a4/original/ING-motorbike-and-moped-insurance-general-conditions-FR.pdf","text":"General terms and conditions Motorcycle & Moped (PDF)"},{"url":"https://assets.ing.com/m/23cb64840188479d/original/ING-motorbike-and-moped-insurance-general-provisions-FR.pdf","text":"ING Mobility Risk Insurance - General provisions (PDF)"},{"url":"https://assets.ing.com/m/7ece0e93c7e4e3c2/original/ING-motorbike-and-moped-insurance-minimum-conditions-FR.pdf","text":"Minimum conditions Civil Liability Motor Vehicles (PDF)"},{"url":"https://assets.ing.com/m/260f3d560ecc4174/original/ING-motorbike-and-moped-insurance-IPID-EN.pdf","text":"Insurance Product Information Document (PDF)"}]},{"componentType":"sectionTitle","title":"Useful Information"},{"componentType":"paragraph","title":"Who can take out the ING Motorbike & Moped Insurance?","richBody":{"value":"The ING Motorbike & Moped Insurance is intended for ING customers with a private motorbike, moped or quad, which is or will be registered in Belgium. This insurance can be subscribed by natural persons starting from 18 years old (for moped) or 22 years old (for motorbike and quad) whose principle place of residence is in Belgium. Professional use is permitted to the extent that no professional transport of goods or persons, vehicle rental, professional leasing or courier service is concerned.
"}},{"componentType":"paragraph","title":"How to apply for the ING Motorbike & Moped Insurance?","textLinks":[{"url":"https://ebanking.ing.be/banking/mobile/insurance/moto?EW=true","text":"Online via the ING App"},{"url":"https://ebanking.ing.be/banking/insurance/moto","text":"Online via Home'Bank"},{"url":"/en/individuals/services/contact-us-appointment","text":"Request a call from an ING advisor"}]},{"componentType":"paragraph","title":"Rate","richBody":{"value":"You'll benefit from a tailor-made rate. Find out more about:
"},"textLinks":[{"url":"https://assets.ing.com/m/663e4c6784788346/original/ING-motorbike-and-moped-insurance-segmentation-policy-EN.pdf","text":"Segmentation policy (PDF)"}]},{"componentType":"paragraph","title":"Term","richBody":{"value":"The term of your contract will be one year. The policy is automatically and tacitly extended for a further period of one year on each annual date, unless one of the parties cancels the insurance no later than three months before expiry date, or unless the insurance has been legally terminated before this date.
"}},{"componentType":"sectionTitle","title":"Do you have any comments or complaints?"},{"componentType":"paragraph","title":"Not entirely satisfied with the distribution of this product?","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"}},{"componentType":"paragraph","title":"Not completely satisfied with your ING Motorbike & Moped Insurance?","richBody":{"value":"Contact the Insurance Ombudsman:
Contact email: info@ombudsman-insurance.be
Contact online: www.ombudsman-insurance.be (FR)
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, via www.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 is the difference between fixed compensation and compensation under common law?","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, driver insurance for motos and mopeds 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 €50,000). The amount of reimbursement will depend on the seriousness of the injury. For more details, see the general terms and conditions of the ING Motorbike & Moped Insurance.
"}},{"title":"How can I adapt my motorbike insurance?","richBody":{"value":"Managing your insurance policy is very easy with ING. Choose the policy that suits you best.
In most cases, policy changes are made in Home'Bank; however, some changes are made by contacting the insurer NN directly via e-mail or by post.
You can also call the NN Mobility Team on the ING number +32 2 464 60 01 (Monday to Friday from 8 a.m. to 6 p.m.). The desired changes to your policy are registered immediately.
You will always receive a written confirmation at your legal address or on your email address.
"}}]},{"componentType":"sectionTitle","title":"Discover other insurance products"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Mini-omnium motor insurance","body":"Looking for balanced protection? Mini-omnium motor insurance covers damage due to unexpected events.","image":{"transformBaseUrl":"https://assets.ing.com/transform/8075792e-3b5a-4fc3-a0f6-75b86680cf26/A-father-and-his-young-son-looking-underneath-a-parked-yellow-motorcycle-in-the-backyard","type":"image","width":6000,"original":"https://assets.ing.com/m/1fa77f9e0507b500/original/A-father-and-his-young-son-looking-underneath-a-parked-yellow-motorcycle-in-the-backyard.jpg","extension":"jpg"},"date":"2023-11-27","link":{"url":"/en/individuals/insurance/insure-my-motorbike/mini-omnium-motor-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Omnium motor insurance","body":"Omnium or comprehensive motor insurance offers maximum cover. Find out when it is advised.","image":{"transformBaseUrl":"https://assets.ing.com/transform/665aa01a-eab1-4f1f-af55-a1d56059e6aa/Man-riding-motorcycle-on-country-road-hands-free","type":"image","width":6016,"original":"https://assets.ing.com/m/67ab46c540c91634/original/Man-riding-motorcycle-on-country-road-hands-free.jpg","extension":"jpg"},"date":"2023-11-27","link":{"url":"/en/individuals/insurance/insure-my-motorbike/omnium-motor-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Motorbike third party liability insurance","body":"Is third-party liability insurance also compulsory for motorbikes? What kind of risks does motor tpl cover? We explain it all in this article.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7b33ca71-8d84-4eeb-9058-28cd9b4e9a76/A-close-up-of-a-dressed-up-man-sitting-on-a-motorcycle-with-a-woman-on-the-back-embracing-him-around-the-waist","type":"image","width":2048,"altTextEN":"A close up of a dressed-up man sitting on a motorcycle with a woman on the back embracing him around the waist","altTextNL":"Een close-up van een geklede man zittend op een motorfiets met een vrouw achterop die hem omhelst rond zijn middel","altTextFR":"Gros plan d'un homme habillé assis sur une moto avec une femme à l'arrière qui l'enlace par la taille.","original":"https://assets.ing.com/m/19c62e4dda1546de/original/A-close-up-of-a-dressed-up-man-sitting-on-a-motorcycle-with-a-woman-on-the-back-embracing-him-around-the-waist.jpg","extension":"jpg"},"date":"2023-12-04","link":{"url":"/en/individuals/insurance/insure-my-motorbike/motorbike-third-party-liability-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Motorbike gear reimbursement","body":"Nothing is more important than protecting yourself well when going out on the road on a motorbike. Check out what the optional Motorbike riding gear reimbursment cover has to offer here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/fe7c9400-a1ac-4407-bed1-12a7d218fd7d/CLOSE-UP-OF-BICYCLES-PARKED-ON-STREET","type":"image","width":7800,"altTextEN":"Close up of an old fashioned motorcycle with a helmet hanging from the brake lever","altTextNL":"Close-up van een ouderwetse motorfiets met een helm hangend aan de remhendel","altTextFR":"Gros plan d'une moto ancienne avec un casque accroché au levier de frein.","original":"https://assets.ing.com/m/4872fc1f691ba81c/original/CLOSE-UP-OF-BICYCLES-PARKED-ON-STREET.jpg","extension":"jpg"},"date":"2023-12-04","link":{"url":"/en/individuals/insurance/insure-my-motorbike/motorbike-riding-gear-reimbursement-insurance"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also consider!"},{"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"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Information"},{"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.