Within the ING Motorbike & Moped Insurance, you can also insure your quad. It’s a standard option you can select when calculating your rate. Not sure what category your vehicle belongs to? Here’s an overview:
Quad: four-wheeled motorcycles or mopeds.
Motorbike: motorbikes on 2 or 3 wheels, with an engine size of 51cc or more.
Moped: mopeds on 2 or 3 wheels, with an engine size of maximum 50cc. You can also insure a light quadricycle.
Note: This insurance is only intended for private vehicles that are designed to travel on the public road and require a license plate.
"}},{"componentType":"sectionTitle","title":"What does quad insurance cover at ING?"},{"componentType":"paragraph","richBody":{"value":"The ING Motorbike & Moped Insurance is a comprehensive motorbike insurance policy governed by Belgian law and developed by NN Non-life, for your private vehicle.
Similarly to a car or moped, third-party or civil liability insurance is legally required when driving a quad. It covers material damage and personal injury that you could cause to third parties when you ride a quad bike and is always included in the ING Motorbike & Moped Insurance. This compulsory policy covers:
Bodily injury to third parties: Whether it's your passengers, people inside the third-party vehicle or vulnerable road users (pedestrians, cyclists, and passers-by) involved in the accident, all these people will be compensated by third-party liability insurance.
Material damage caused to others: Car, scooter, street furniture (benches, pavements), the facade of a building: as your civil liability is involved, the insurer will pay for any damage resulting from the accident.
Immediate telephone assistance after vehicle damage: available 7 days a week, 24 hours a day on 02/725.15.00 of the ING Assist'line in the event of an accident in Belgium.
Free service after an accident in Belgium: to the nearest garage or a garage designated by the insured if the vehicle is no longer roadworthy. And even after an accident at fault or if you do not have comprehensive insurance.
You can also benefit from the ING eco-discount for your quad insurance? If you drive less than 4.000 km per year with your quad, you’re eligible for a 5% discount on your third-party liability and (mini-)omnium motor insurance. Do you drive an electric quad? Then you can get a 10% discount.
"}},{"componentType":"paragraph","title":"Basic coverages of moped insurance","richBody":{"value":"
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.
"}},{"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":"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?","richBody":{"value":""},"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?EW=true","text":"Online via Home'Bank"},{"url":"/en/individuals/services/contact-us-appointment","text":"At an ING branch"}]},{"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":"the 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 coverage regarding quads is excluded from your Motorbike & Moped Insurance?","richBody":{"value":"The motor third-party liability cover of your Motorbike & Moped Insurance does not cover the driver of the policyholder's vehicle. In other words, if the motorcycle insurance is in your name and you cause an accident with your quad (of which you are the driver), third-party liability insurance will not cover your bodily injuries.
"}},{"title":"What should I do in case of an accident?","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.
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.
"}},{"title":"Is third-party liability insurance compulsory for quads?","richBody":{"value":"Yes, you are legally obliged to take out Civil Liability (Third-Party Liability) insurance when you drive your quad on the road. If you cause an accident, your insurance will pay for the damage you cause to others, but not for the damage to your own vehicle.
"}},{"title":"Can I take out (mini-)omnium insurance for my quad?","richBody":{"value":"No, it's not possible to subscribe to a (mini)-omnium for your quad, neither for a driver insurance, roadside assistance or motorbike gear cover. Apart from the mandatory civil liability cover, it's only possible to add an additional legal assistance coverage for your quad.
"}}]},{"componentType":"sectionTitle","title":"Discover also the other optional coverages"},{"componentType":"cards","cards":[{"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":"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"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Motor legal assistance 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.","image":{"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,"altTextEN":"Close up of a person riding a motorcycle on a road at night","altTextNL":"Close-up van een persoon op een motorfiets op een weg bij nacht","altTextFR":"Gros plan d'une personne conduisant une moto sur une route de nuit","original":"https://assets.ing.com/m/2d3fbdf9f9a659aa/original/Close-up-of-a-person-riding-a-motorcycle-on-a-road-at-night.jpg","extension":"jpg"},"date":"2023-12-04","link":{"url":"/en/individuals/insurance/insure-my-motorbike/motor-legal-assistance"}},{"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"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Mentions"},{"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.