The motor legal assistance insurance is an optional cover that can be taken out as a supplement to your basic ING Motorbike & Moped Insurance. It comes into play in the event of disputes relating to road traffic, be it in a conflict with a third party when you are involved in an accident, in a contractual dispute with a professional vehicle seller or repairer, or if you are summoned to court.
"}},{"componentType":"highlight","richBody":{"value":"Legal assistance will always try to first and foremost reach an amicable settlement to the dispute, while ensuring that the policyholder's interests are respected. Setting out on a crusade to win a case can quickly become very costly, both in terms of money and time. Therefore, it’s always preferable to avoid legal proceedings and reach an agreement.
"},"title":"Good to know"},{"componentType":"sectionTitle","title":"What is the maximum amount of compensation for motor legal assistance?"},{"componentType":"paragraph","richBody":{"value":"The motor legal expenses insurance can compensate up to €75,000 per claim for all insured parties together. This compensation includes:
In addition to covering the costs to defend your interests, we will also inform you about your rights and how you can enforce it. We’ll help you with all the details (evidence, certificates, witness statements, etc.) and order the necessary investigations to defend your interests at best.
"}},{"componentType":"sectionTitle","title":"What is not covered by legal assistance?"},{"componentType":"paragraph","richBody":{"value":"Motor legal assistance does not provide cover for specific disputes relating to:
We also do not provide legal assistance for contractual disputes for which the interest is below not at least €200.
An overview of all coverages and exclusions can be found in the General Terms and Conditions of the ING Motorbike & Moped Insurance (from page 12 for legal assistance).
All drivers, namely: the policyholder and any person with a driving license to whom you have lent the insured vehicle (your family, friends, etc.)
"}},{"componentType":"sectionTitle","title":"How do you get started?"},{"body":"If you are already a ING customer","componentType":"applicationProcess","steps":{"stepList":[{"title":"Calculate the premium in a few steps"},{"body":"Pleased? Fill in your demand within 5 minutes","title":"Apply"},{"body":"You can expect an answer within 2 working days maximum.","title":"Receive"}],"title":"Simulate"}},{"componentType":"cta","textLink":{"text":"Request your offer","url":"https://ebanking.ing.be/banking/mobile/insurance/moto?EW=true"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Make an appointment in one of our branches","url":"/en/individuals/services/contact-us-appointment"}],"title":"If you aren't already a ING customer"},{"componentType":"sectionTitle","title":"Compare coverages"},{"componentType":"paragraph","richBody":{"value":"Enjoy reliable cover on every ride. Mini Omnium and Omnium are available for motorbikes with an engine size of 51 cc or more.
| 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 motorcycles of 51 cm3 or more). Third party liability is always included.
"},"title":"Discover the key advantages of our motorbike & moped insurance"},{"componentType":"paragraph","richBody":{"value":"can also extend your motorbike & moped insurance with the following extra cover options:
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","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":"Useful Information"},{"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 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.
"},"title":"Who can take out the ING Motorbike & Moped Insurance?"},{"componentType":"paragraph","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"},{"text":"At an ING Branch","url":"/en/individuals/services/contact-us-appointment"}],"title":"How to 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":"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)
The motor legal assistance insurance is an optional cover that can be taken out as additional cover to your basic ING Motorbike & Moped Insurance. It comes into play in the event of disputes relating to road traffic, be it in a conflict with a third party in the event of a road accident, in a contractual dispute with a professional vehicle seller or repairer, or if you are summoned to court.
"},"title":"Why do I need motor legal assistance?"},{"richBody":{"value":"Contractual disputes are covered for contracts closed in all European Union countries. We will only intervene outside of this if the other party can be sued before a Belgian court. For other types of cover, there is cover worldwide.
Motor legal protection covers:
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":"How can I adapt my motorcycle insurance?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Discover also the other optional coverages"},{"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":"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.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-12-04","image":{"altTextEN":"Close up of an old fashioned motorcycle with a helmet hanging from the brake lever","altTextFR":"Gros plan d'une moto ancienne avec un casque accroché au levier de frein.","altTextNL":"Close-up van een ouderwetse motorfiets met een helm hangend aan de remhendel","extension":"jpg","original":"https://assets.ing.com/m/4872fc1f691ba81c/original/CLOSE-UP-OF-BICYCLES-PARKED-ON-STREET.jpg","transformBaseUrl":"https://assets.ing.com/transform/fe7c9400-a1ac-4407-bed1-12a7d218fd7d/CLOSE-UP-OF-BICYCLES-PARKED-ON-STREET","type":"image","width":7800},"link":{"url":"/en/individuals/insurance/insure-my-motorbike/motorbike-riding-gear-reimbursement-insurance"},"title":"Motorbike gear reimbursement"},{"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"},{"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"}],"componentType":"cards"}]},"hasMacro":false,"id":"70fc004b-a2e9-4922-b235-787dc7ae4186","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.