Omnium motor insurance is the highest level of cover and is an optional policy that complements the compulsory third-party liability insurance. While civil liability insurance covers bodily injury and material damage caused to third parties, comprehensive motor insurance is designed to compensate for material damage caused to your motorbike when you are at fault, as well as accidents caused directly by you.
An omnium cover for your motorcycle is therefore particularly interesting for new vehicles or recent vehicles (less than 6 years old), whether second-hand or not, and especially when you took out a consumer loan for the purchase of your motorbike.
Note that at ING, the omnium motor cover is only available for motorbikes (>50cc), not for mopeds or quads (four-wheeled motorcycles or mopeds).
"}},{"componentType":"sectionTitle","title":"What does Omnium motor insurance cover?"},{"componentType":"paragraph","richBody":{"value":"All of the following risks are covered if you are comprehensively insured with an omnium motor insurance:
The damages below are not covered:
All coverages and exceptions can be found in the General Terms and Conditions of the ING Motorbike & Moped Insurance.
"}},{"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 aren't already a ING customer
"},"textLinks":[{"url":"/en/individuals/services/contact-us-appointment","text":"Make an appointment in one of our branches"}]},{"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)
An omnium insurance is best taken out when your vehicle is new or recent, as it fully covers repairs. A full comprehensive motor insurance covers the cost of repairs to your motorbike when you are at fault as the driver, when you cause the damage yourself (f.e. when you hit a wall or tree), when it’s not possible to find those responsible for the damage caused to your vehicle (hit-and-run, or when there’s doubt as to who is responsible for the damage), as well as vandalism.
"}},{"title":"When does comprehensive motor insurance provide cover?","richBody":{"value":"If you have taken out the comprehensive cover and there’s evidence of material damage to your vehicle, the insurance provides compensation in the event of an accident at fault, own damage or when those responsible for the accident are not clearly identified (hit-and-run, liability not clearly established, vandalism).
"}},{"title":"Do I have to pay a franchise/deductible for omnium motor insurance?","richBody":{"value":"Yes, a deductible is required, but you can choose the amount that suits you best: €400, €600 or €800. The higher the deductible you choose, the lower the premium you need to pay. However, take into account that you yourself will need to pay the deductible in case of an accident or damage.
"}},{"title":"When should you choose a mini-omnium motor insurance?","richBody":{"value":"The mini-comprehensive motor insurance is an interesting option for second-hand vehicles or motorcycles up to 10 years old, because the monthly payments can be up to 40% lower(*) than those for the full omnium. On the other hand, your motorbike is no longer as well covered against material damage for which you are responsible in an accident, vandalism or a hit-and-run, in which cases you will have to pay for repairs.
(*) the pricing depends on the type of vehicle you want to insure as well as the profile of the driver and the chosen deductible.
That said, mini-omnium still covers you for certain damage such as glass breakage, storms, hail and other forces of nature, fire, collisions with animals, theft, or burglary.
You can consult the general conditions for more information.
"}},{"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
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":"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.
In most cases, policy changes are made via 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.
"}},{"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 optional coverages"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Understanding comprehensive car insurance","body":"Comprehensive or omnium insurance is the car insurance option that offers maximum cover. It’s therefore particularly suitable for new cars or recent vehicles (less than 5 years old), whether second-hand or not.","image":{"transformBaseUrl":"https://assets.ing.com/transform/69144cc0-7117-4031-afc2-5973f8d865bc/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street","type":"image","width":5616,"original":"https://assets.ing.com/m/7f6abbc609632fcc/original/Curly-haired-young-man-playfully-tries-to-lift-an-old-Fiat-Cinquecento-parked-in-the-street.jpg","extension":"jpg"},"date":"2023-08-04","link":{"url":"/en/individuals/insurance/insure-my-car/comprehensive-car-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The driver insurance option: what’s it really for?","body":"Driver's insurance is not compulsory, but it ensures that you can count on compensation as a driver even when you yourself are at fault in an accident.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c4ec4a21-be1a-4d1b-94b0-a5767eeba2ee/Dog-seated-in-car-driver-seat","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/ab80c8ffd391821/original/Dog-seated-in-car-driver-seat.jpg","extension":"jpg"},"date":"2023-07-17","link":{"url":"/en/individuals/insurance/insure-my-car/driver-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Legal assistance car insurance","body":"Keep your cool under any circumstances with the legal assistance of ING’s car insurance! | Insurer: NN Non-life.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920,"original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","extension":"jpg"},"date":"2023-08-11","link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/protection-juridique-assurance-auto"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Roadside assistance option in Belgium and abroad","body":"Drive with peace of mind thanks to the roadside assistance option available with your ING Car insurance. Insurer: NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/9b2f67b8-9777-40af-8f1f-b1fbcb46ffa0/jeep","type":"image","width":814,"original":"https://assets.ing.com/m/2e7ad5d8fb0453a2/original/jeep.jpg","extension":"jpg"},"date":"2023-08-11","link":{"url":"/en/individuals/insurance/insure-my-car/option-roadside-assistance-belgium-and-abroad"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"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"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is the bonus-malus system?","body":"While the term bonus-malus is still widespread, it is no longer used at ING. We now speak of \"claim-free years\".","image":{"transformBaseUrl":"https://assets.ing.com/transform/4d6fb0a6-f033-491b-b1a3-ac90db6c8708/Man-hugs-car-in-garage-showroom","type":"image","width":5130,"original":"https://assets.ing.com/m/25534a5c70973a60/original/Man-hugs-car-in-garage-showroom.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/en/individuals/insurance/insure-my-car/bonus-malus"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Our tips to find cheap car insurance","body":"The price of your car insurance depends on several characteristics. Which ones exactly and when you have to pay more or less, you can discover here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2110ed7d-347a-4bbc-ab02-969ce8f24598/Close-up-rear-view-of-hands-on-car-head-rest","type":"image","width":5616,"original":"https://assets.ing.com/m/ad3e6f2adbb8dc4/original/Close-up-rear-view-of-hands-on-car-head-rest.jpg","extension":"jpg"},"date":"2023-08-18","link":{"url":"/fr/particuliers/assurer/assurer-ma-voiture/payer-son-assurance-auto-moins-cher"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Check-list for buying a car","body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","image":{"transformBaseUrl":"https://assets.ing.com/transform/958b0864-458c-4af1-848a-4b2e46170541/first-car-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/bf3aa28fcc1f00/original/first-car-1920.jpg","extension":"jpg"},"date":"2025-07-02","link":{"url":"/en/individuals/my-life/mobility/buying-first-car"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Information"},{"componentType":"paragraph","title":"The ING Motorbike & Moped Insurance is offered to you, subject to acceptance, by:","richBody":{"value":""}},{"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.