With the ING Motorbike & Moped Insurance, you can not only insure your motorbike or quad, but also your moped. A vehicle is considered a moped when it has 2 or 3 wheels and a smaller engine size of maximum 50cc. A light quadricycle can also fall under this category.
The exact cover of the moped insurance depends on what suits you best. You can choose to take out only the compulsory basic coverages or opt for additional cover to enjoy even more security.
Civil liability: this is the legally required third-party insurance for all mopeds on public roads, covering material damage to third parties and bodily injuries (medical expenses, etc.) to others (your passengers included).
Service in the event of damage: provides assistance after an accident in Belgium, even if you do not have comprehensive or omnium insurance and are at fault. This includes:
Free towing after an accident (to the nearest garage or a garage designated by the customer) if the vehicle is no longer roadworthy. Even after an accident at fault or if you do not have comprehensive insurance.
Transport of occupants: driver and passengers are taken to their home or workplace or original destination in Belgium.
Notifying family members and employer.
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.
"},"title":"Choose the coverage that suits you"},{"componentType":"paragraph","richBody":{"value":"
A full description of this insurance can be found in the :
"},"textLinks":[{"text":"General terms and conditions Motorcycle & Moped (PDF)","url":"https://assets.ing.com/m/400841b946b539a4/original/ING-motorbike-and-moped-insurance-general-conditions-FR.pdf"},{"text":"ING Mobility Risk Insurance - General provisions (PDF)","url":"https://assets.ing.com/m/23cb64840188479d/original/ING-motorbike-and-moped-insurance-general-provisions-FR.pdf"},{"text":"Minimum conditions Civil Liability Motor Vehicles (PDF)","url":"https://assets.ing.com/m/7ece0e93c7e4e3c2/original/ING-motorbike-and-moped-insurance-minimum-conditions-FR.pdf"},{"text":"Insurance Product Information Document (PDF)","url":"https://assets.ing.com/m/260f3d560ecc4174/original/ING-motorbike-and-moped-insurance-IPID-EN.pdf"}],"title":"Please read these documents before you subscribe."},{"componentType":"sectionTitle","title":"Good to know!"},{"componentType":"paragraph","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.
"},"title":"Who can take out the ING Motorbike & Moped Insurance?"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Online via the ING App","url":"https://ebanking.ing.be/banking/mobile/insurance/moto?EW=true"},{"text":"Online via Home'Bank","url":"https://ebanking.ing.be/banking/insurance/moto?EW=true"},{"text":"At an ING Branch","url":"/en/individuals/services/contact-us-appointment"}],"title":"How do you apply for the ING Motorbike & Moped Insurance?"},{"componentType":"paragraph","richBody":{"value":"You'll benefit from a tailor-made rate. Find out more about:
"},"textLinks":[{"text":"the segmentation policy (PDF)","url":"https://assets.ing.com/m/663e4c6784788346/original/ING-motorbike-and-moped-insurance-segmentation-policy-EN.pdf"}],"title":"Rate"},{"componentType":"paragraph","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.
"},"title":"Term"},{"componentType":"sectionTitle","title":"Do you have any comments or complaints?"},{"componentType":"paragraph","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"},"title":"Not entirely satisfied with the distribution of this product?"},{"componentType":"paragraph","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.
"},"title":"About insurance and conflicts of interest"},{"componentType":"sectionTitle","title":"Any questions? We’re happy to answer them!"},{"accordionList":[{"richBody":{"value":"Yes, you are legally obliged to take out Civil Liability (Third-Party Liability) insurance. If you cause an accident, your insurance will pay for the damage you cause to others, but not for the damage to your own car.
"},"title":"Is moped insurance compulsory?"},{"richBody":{"value":"Did you get involved in an accident and has your motorbike or moped been damaged? Don’t worry, you can rely on prompt accident assistance 24 hours a day, 7 days a week, via Assist’line.
Next, to make a claim, simply follow these steps:
Make sure you and your passengers are safe.
File your claim online via myclaim.be.
You will receive confirmation of receipt with the name of the claims manager and the case number. From then on, you will deal directly with the claims manager, who will be your main point of contact. For glass breakages, you can make an appointment directly with Carglass. If you have optional Mini-Omnium or Omnium cover, ING will cover the cost and you won't be charged an excess.
"},"title":"What should I do in case of an accident?"},{"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 via the PDF forms available 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.
No, the six-wheels discount is only applicable for motorbikes (>50cc). With this discount, you can receive up to 60% discount on the civil liability cover for your motorbike insurance when you combine a motorbike with a car insurance.
Conditions:
You insure a motorbike AND
you have an ING Car Insurance
or your partner has an ING Car Insurance
or you have a company car (contract on your name or you are mentioned as the principal driver)
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":"Does the six-wheels discount also apply to moped insurance?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Discover our other optional products"},{"cards":[{"body":"While driver insurance for motos and mopeds is not compulsory, it ensures protection for you as a driver after a wrongful accident.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-12-04","image":{"altTextFR":"Femme heureuse portant un casque de protection à moto","extension":"jpg","original":"https://assets.ing.com/m/1680fc8b14a10022/original/Happy-woman-in-a-crash-helmet-while-riding-a-motorbike.jpg","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},"link":{"url":"/en/individuals/insurance/insure-my-motorbike/driver-insurance-motos-and-mopeds"},"title":"Motorbike drivers' insurance"},{"body":"With the motor legal assistance cover of the ING Motorbike & Moped Insurance, you can defend your interests with the support of true professionals.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-12-04","image":{"altTextEN":"Close up of a person riding a motorcycle on a road at night","altTextFR":"Gros plan d'une personne conduisant une moto sur une route de nuit","altTextNL":"Close-up van een persoon op een motorfiets op een weg bij nacht","extension":"jpg","original":"https://assets.ing.com/m/2d3fbdf9f9a659aa/original/Close-up-of-a-person-riding-a-motorcycle-on-a-road-at-night.jpg","transformBaseUrl":"https://assets.ing.com/transform/c20589d5-62ef-4315-8253-cc8a3f3bef1a/Close-up-of-a-person-riding-a-motorcycle-on-a-road-at-night","type":"image","width":6016},"link":{"url":"/en/individuals/insurance/insure-my-motorbike/motor-legal-assistance"},"title":"Motor legal assistance insurance"},{"body":"Omnium or comprehensive motor insurance offers maximum cover. Find out when it is advised.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-11-27","image":{"extension":"jpg","original":"https://assets.ing.com/m/67ab46c540c91634/original/Man-riding-motorcycle-on-country-road-hands-free.jpg","transformBaseUrl":"https://assets.ing.com/transform/665aa01a-eab1-4f1f-af55-a1d56059e6aa/Man-riding-motorcycle-on-country-road-hands-free","type":"image","width":6016},"link":{"url":"/en/individuals/insurance/insure-my-motorbike/omnium-motor-insurance"},"title":"Omnium motor insurance"},{"body":"Looking for balanced protection? Mini-omnium motor insurance covers damage due to unexpected events.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-11-27","image":{"extension":"jpg","original":"https://assets.ing.com/m/1fa77f9e0507b500/original/A-father-and-his-young-son-looking-underneath-a-parked-yellow-motorcycle-in-the-backyard.jpg","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},"link":{"url":"/en/individuals/insurance/insure-my-motorbike/mini-omnium-motor-insurance"},"title":"Mini-omnium motor insurance"}],"componentType":"cards"}]},"hasMacro":false,"id":"b15af430-9935-4ece-ae4e-9b59b54f02f2","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.