The compulsory motorcycle third-party liability insurance covers bodily injury and property damaged caused to third parties, but not to your own vehicle.
With the additional mini-omnium motor cover, you can also protect your motorbike. This includes:
The following types of damage are not covered by the mini-comprehensive cover for motorbikes :
Note that mini-omnium motor insurance does not cover material damage to your own vehicle in the event of an accident (whether at fault or not) or an act of vandalism. This is only included in the fully comprehensive omnium motor insurance.
A full overview of all coverages and exclusions can be found in the General Terms and Conditions of the ING Motorbike & Moped Insurance.
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/insurance/moto?EW=true","text":"Calculate your rate"}},{"componentType":"sectionTitle","title":"How do you get started?"},{"componentType":"applicationProcess","body":"If you are already an ING customer","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/insurance/moto?EW=true","text":"Calculate my rate"}},{"componentType":"paragraph","richBody":{"value":"if you are not an ING customer yet
"},"textLinks":[{"url":"/en/individuals/services/contact-us-appointment","text":"Request a call from an ING advisor"}]},{"componentType":"sectionTitle","title":"Compare coverages"},{"componentType":"paragraph","title":"Choose the coverage that suits you","richBody":{"value":"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:
Legal Assistance for motorbikes, mopeds and quads
Driver Insurance for motos and mopeds
Breakdown Assistance for motos and mopeds
Riding Gear Reimbursement for motorbikes of 51cc or more
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":"Good to know!"},{"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 holding a driving licence starting from 18 years old (for moped) or 22 years old (for motorbike and quad) whose principal 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 do you apply for the ING Motorbike & Moped Insurance?","richBody":{"value":"Rate
You'll benefit from a tailor-made comprehensive motor insurance quote. The amount of the premium includes the various charges and taxes. Find out more about: The segmentation policy (PDF)
Term
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.
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":"When should I opt for mini-omnium motor insurance?","richBody":{"value":"The mini-comprehensive motor insurance is particularly interesting when you didn’t take out a motorbike load and/or when you don’t opt for the full comprehensive omnium coverage. It’s also a great option for second-hand vehicles or motorcycles over 4 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 motorbike loses its value. So, if the repair costs are higher than the vehicle's real value, the vehicle will be determined ‘total loss’ and won't be repaired. If your motorbike has lost quite a bit of its former glory, it is therefore better to opt for the mini-comprehensive.
The 2 types of comprehensive motor insurance offer the same basic cover, except that the full omnium cover also covers damage to your vehicle in the event of an 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 motorcycle.
"}},{"title":"How can I adapt my motorcycle 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":"Do I have to pay an excess for the mini-omnium motor insurance?","richBody":{"value":"No excess is required if you take out mini-omnium motor insurance. The same applies to glass breakage.
For full details, please consult the general terms and conditions of the motor insurance product (from page 9 for mini-omnium).
"}},{"title":"When am I eligible for a six-wheels discount?","richBody":{"value":"
You can enjoy a six-wheels discount up to 60% on the Civil Liability cover for your motorcycle insurance when you combine a motorbike with a car insurance.
Conditions:
You insure a motorbike AND
Pro-tip to enjoy this discount: if you or your partner don't have an ING Car Insurance yet, make sure you first subscribe the car insurance, before subscribing to the ING Motorbike & Moped Insurance. This way, we can make sure the discount is applied immediately!
"}},{"title":"When is the eco-discount applicable?","richBody":{"value":"When you take care of the environment, we want to reward you. Therefore, we give you a mileage discount of 5% on third-party liability and (mini-)omnium insurance for your motorbike or quad if you drive less than 4.000 km per year. Is your motorbike or quad a full hybrid or electric vehicle? Then you’re eligible for a 10% discount!
"}}]},{"componentType":"sectionTitle","title":"Discover also the other coverages"},{"componentType":"cards","cards":[{"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 drivers' insurance","body":"While driver insurance for motos and mopeds is not compulsory, it ensures protection for you as a driver after a wrongful accident.","image":{"transformBaseUrl":"https://assets.ing.com/transform/5cc6de2e-f9ff-4259-bf47-e9dd8573822c/Happy-woman-in-a-crash-helmet-while-riding-a-motorbike","type":"image","width":4300,"altTextFR":"Femme heureuse portant un casque de protection à moto","original":"https://assets.ing.com/m/1680fc8b14a10022/original/Happy-woman-in-a-crash-helmet-while-riding-a-motorbike.jpg","extension":"jpg"},"date":"2023-12-04","link":{"url":"/en/individuals/insurance/insure-my-motorbike/driver-insurance-motos-and-mopeds"}},{"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":"Breakdown assistance motos and mopeds","body":"By adding the roadside assistance cover to your motor insurance, you can drive your motor vehicle with extra peace of mind in Belgium and abroad.","image":{"transformBaseUrl":"https://assets.ing.com/transform/16e5fa4d-255c-4477-9104-5b2e17aab3ab/899796010","type":"image","width":5600,"altTextEN":"A man wearing a motorcycle helmet looks at his phone outside at night","altTextNL":"Een man met een motorhelm kijkt 's nachts buiten naar zijn telefoon","altTextFR":"Un homme portant un casque de moto regarde son téléphone à l'extérieur, la nuit.","original":"https://assets.ing.com/m/7c8f0c25a1dfb14a/original/899796010.JPG","extension":"jpg"},"date":"2023-12-04","link":{"url":"/en/individuals/insurance/insure-my-motorbike/breakdown-assistance-motos-and-mopeds"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"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"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Information"},{"componentType":"paragraph","title":"The ING Motorbike & Moped 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.