{"type":"document","data":{"id":"9e98256f-824d-4eef-a4ea-9e62d3b50fd5","localeString":"nl-BE","publishDate":"2026-02-05T13:55:59.886+01:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Ontdek onze verzekeringen en bereken je premie."},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Simuleer en open je verzekering","subtitle":"Kies voor gemoedsrust en verzeker je bij ING."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"We zijn er om te helpen"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Veranderen van verzekeraar? Gemakkelijker dan ooit!","intro":"Ontdek hoe","image":{"transformBaseUrl":"https://assets.ing.com/transform/b0078589-f341-4354-bbe3-c915ad34c419/Top-view-of-a-young-woman-on-a-couch-using-a-laptop-next-to-a-sleeping-dog","type":"image","width":6000,"original":"https://assets.ing.com/m/6bff36368c5a669f/original/Top-view-of-a-young-woman-on-a-couch-using-a-laptop-next-to-a-sleeping-dog.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/veranderen-van-verzekeraar"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Een schadegeval aangeven","intro":"Enige vorm van schade geleden? We zijn er om te helpen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/283e551e1a232377/original/how-do-you-file-a-statement-of-claim-1920.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/schade-aangeven"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Mijn wagen verzekeren","intro":"Wat dekt een autoverzekering? Wat zijn de verschillende opties?","image":{"transformBaseUrl":"https://assets.ing.com/transform/7fecedc1-1234-44d6-88c0-64612374342a/High-angle-view-of-boy-on-horse-cart-in-park","type":"image","width":4032,"original":"https://assets.ing.com/m/14a85111b12546a1/original/High-angle-view-of-boy-on-horse-cart-in-park.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/mijn-wagen-verzekeren"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Mijn woning verzekeren","intro":"Wat dekt de brandverzekering? Is ze verplicht? Welke mogelijkheden biedt ze?","image":{"transformBaseUrl":"https://assets.ing.com/transform/2615ed65-2cf7-47c0-a2a7-e4bac0c2677b/Young-man-wearing-orange-parka-in-front-of-old-orange-house","type":"image","width":2500,"original":"https://assets.ing.com/m/3aa61bf0dbc67bb5/original/Young-man-wearing-orange-parka-in-front-of-old-orange-house.webp","extension":"webp"},"link":{"url":"/nl/particulieren/verzekeren/mijn-woning-verzekeren"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Vergelijk onze reisverzekering formules","intro":"Vind de reisverzekering die bij u past","image":{"transformBaseUrl":"https://assets.ing.com/transform/8300aeaf-af8e-47f9-8d0a-e6d684e4f193/SIDE-VIEW-OF-YOUNG-WOMAN-ON-ROAD","type":"image","width":5616,"original":"https://assets.ing.com/m/266d6bafcbd13f05/original/SIDE-VIEW-OF-YOUNG-WOMAN-ON-ROAD.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/vergelijk-formules-reisbijstand"}}]},{"componentType":"sectionTitle","title":"Onze andere verzekeringsproducten"},{"componentType":"paragraph","richBody":{"value":"<p>Bescherm de financiële toekomst van uw gezin met de verzekeringsoplossingen van ING.</p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Schuldsaldoverzekering Hypothecaire Lening","intro":"Geef je dierbaren een financieel duwtje in de rug met een levensverzekering. Verzekeraar: NN Insurance Belgium NV/SA.","image":{"transformBaseUrl":"https://assets.ing.com/transform/8508523e-fd4c-4097-a6a4-813bfdb55e5a/decreasing-life-insurance-linked-to-a-mortgage-loan-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a108b57aa1e953e/original/decreasing-life-insurance-linked-to-a-mortgage-loan-1920.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/schuldsaldoverzekering-hypothecair-krediet"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Tijdelijke Overlijdensverzekering","intro":"Beperk de kosten voor je naasten. Verzekeraar: NN Insurance Belgium NV/SA","image":{"transformBaseUrl":"https://assets.ing.com/transform/4bca7093-676d-4e84-9151-316993cd0148/A-young-girl-kisses-her-mother-on-the-cheek-while-both-are-covered-in-face-paint-and-glitter","type":"image","width":5743,"altTextNL":"een meisje kust haar moeder","original":"https://assets.ing.com/m/21f39d440452ad31/original/A-young-girl-kisses-her-mother-on-the-cheek-while-both-are-covered-in-face-paint-and-glitter.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/tijdelijke-overlijdensverzekering"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Verzekeringen voor je bedrijf","intro":"Als ondernemer wil je jezelf, je bedrijf en je werknemers beschermen tegen risico's.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c0e3536c-b2bb-48fd-a2a0-2c06fb281989/Business-Insurances-1","type":"image","width":1920,"original":"https://assets.ing.com/m/31d78da2b3536b07/original/Business-Insurances-1.jpg","extension":"jpg"},"link":{"url":"/nl/professioneel/verzekeren"}}]},{"componentType":"sectionTitle","title":"Veelgestelde vragen"},{"componentType":"accordion","accordionList":[{"title":"Welke verzekeringen zijn verplicht?","richBody":{"value":"<p><strong>Auto / Motor Burgerlijke Aansprakelijkheidsverzekering</strong></p><p>De standaard <a data-type=\"internal\" href=\"/nl/particulieren/verzekeren/mijn-wagen-verzekeren/autoverzekering\">autoverzekering</a> vergoedt materiële en lichamelijke schade die je met je voertuig aan derden (en passagiers in je voertuig) veroorzaakt. Als je de omnium-optie afsluit, ben je ook verzekerd voor schade aan je eigen voertuig.</p><p><strong>Burgerlijke Aansprakelijkheidsverzekering</strong></p><p>Deze verzekering is verplicht voor bepaalde activiteiten die worden uitgeoefend in het kader van vrijetijdsbesteding, in het bijzonder de jacht.</p><p><strong>Brandverzekering voor huurders</strong></p><p>De <a data-type=\"internal\" href=\"/nl/particulieren/verzekeren/mijn-woning-verzekeren/brandverzekering-huurders\">brandverzekering</a> kan door de eigenaar in het huurcontract worden opgelegd om je aansprakelijkheid bij schade aan de accommodatie en/of de inboedel te dekken. (Wallonië)</p>"},"textLinks":[{"url":"/nl/particulieren/mijn-leven/studeren-en-werken/welke-verzekeringen-zijn-verplicht-in-belgie","text":"Alles weten over de verplichte verzekeringen"}]},{"title":"Wat is de premie van een verzekering?","richBody":{"value":"<p>De verzekeringspremie is het bedrag dat je betaalt als je een verzekeringscontract afsluit in ruil voor bescherming tegen vooraf bepaalde risico&apos;s bij je verzekeringsmaatschappij.</p>"}},{"title":"Hoe wordt je terugbetaald als je schade hebt?","richBody":{"value":"<p>Om een ​​tussenkomst van je verzekering te krijgen, moeten verschillende stappen gevolgd worden:</p><p><strong>De schade aangeven</strong></p><p>Met je verzekeraar, met inachtneming van de deadlines voor schademeldingen.</p><p><strong>Schat de schade in</strong></p><p>Om het terugbetalings- en vergoedingsproces te versnellen, kan je aangifte vergezeld gaan van een schatting van de geleden schade.</p><p><strong>Verzamel alle ondersteunende documenten</strong></p><p>Afhankelijk van het incident kan je verzekeringsmaatschappij een expert aanstellen die ter plaatse zal ingrijpen om de omvang van de schade te observeren. Je moet daarom alle beschadigde artikelen absoluut bewaren tot het einde van de terugbetalingsprocedure.</p>"}},{"title":"Bieden jullie ook verzekeringen aan voor professionelen?","richBody":{"value":"<p>ING biedt:</p>"},"textLinks":[{"url":"/nl/professioneel/verzekeren","text":"een breed scala aan verzekeringen voor professionals."}]}]},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Een woning huren","body":"Alles wat je moet weten","image":{"transformBaseUrl":"https://assets.ing.com/transform/592d2ed7-81a5-4012-ae54-478095c4d1cb/renting-need-to-know-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/62302d3567fd39e/original/renting-need-to-know-1920.jpg","extension":"jpg"},"date":"2022-03-31","link":{"url":"/nl/particulieren/mijn-leven/wonen/huren-praktische-tips"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Energie-efficiënt rijden","body":"Geld besparen","image":{"transformBaseUrl":"https://assets.ing.com/transform/6b15d23a-5ee5-4a78-ac30-cb2c995b3208/green-cars-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/5b6f5c44021b8631/original/green-cars-1920.jpg","extension":"jpg"},"date":"2021-09-01","link":{"url":"/nl/particulieren/mijn-leven/mobiliteit/switch-elektrische-auto"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Ook interessant!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Autolening","intro":"Lening op afbetaling om je nieuwe of 2de hands auto te kopen zonder je budget onder druk te zetten.","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"},"link":{"url":"/nl/particulieren/lenen/autolening"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Hypothecaire lening","intro":"Kopen, bouwen of renoveren van je woning (Renovaties >25.000€).","image":{"transformBaseUrl":"https://assets.ing.com/transform/ebe674a5-a271-496c-a4e0-a1afe6d0d92f/Two-happy-friends-jumping-into-the-air-in-front-of-a-door","type":"image","width":4766,"original":"https://assets.ing.com/asset/ebe674a5-a271-496c-a4e0-a1afe6d0d92f/Two-happy-friends-jumping-into-the-air-in-front-of-a-door.JPG","extension":"jpg"},"link":{"url":"/nl/particulieren/lenen/woning/hypotheek-expat"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovatielening","intro":"Lening op afbetaling om je huis of appartement te renoveren.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814,"original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/lenen/renovatielening"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Verzekeringen voor je bedrijf","intro":"Als ondernemer wil je jezelf, je bedrijf en je werknemers beschermen tegen risico's.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c0e3536c-b2bb-48fd-a2a0-2c06fb281989/Business-Insurances-1","type":"image","width":1920,"original":"https://assets.ing.com/m/31d78da2b3536b07/original/Business-Insurances-1.jpg","extension":"jpg"},"link":{"url":"/nl/professioneel/verzekeren"}}]}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Autoverzekering","intro":"Verzekeraar : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/50672da5-7e85-4636-85e5-137f3a6bc522/Family-takes-group-selfie-in-car-during-road-trip","type":"image","width":4500,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5ecc05f4d8ea2753/original/Family-takes-group-selfie-in-car-during-road-trip.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/mijn-wagen-verzekeren/autoverzekering"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Brandverzekering voor eigenaars","intro":"Verzekeraar: NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","type":"image","width":1920,"original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/mijn-woning-verzekeren/woningverzekering-eigenaars"},"promoText":"20% korting op het eerste jaar","promotionalLabel":{"labelType":"commercial","body":"Aanbieding"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Brandverzekering voor huurders","intro":"Verzekeraar: NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/0724435c-0893-4e31-a5a8-0d30e998b4b3/Flatmates-in-the-kitchen-chatting-as-they-make-coffee","type":"image","width":5700,"original":"https://assets.ing.com/m/7dc4a60630fca249/original/Flatmates-in-the-kitchen-chatting-as-they-make-coffee.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/mijn-woning-verzekeren/brandverzekering-huurders"},"promoText":"15% korting op het eerste jaar","promotionalLabel":{"labelType":"commercial","body":"Aanbieding"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Motor- en Bromfietsverzekering","intro":"Verzekeraar: NN Non-life","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"},"link":{"url":"/nl/particulieren/verzekeren/mijn-motor-verzekeren/motorverzekering"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Fietsverzekering","intro":"Verzekeraar: NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/b54ca05c-9af4-4693-abf5-6e7f5294131f/Large_MS-PPT_Web-Happy-mother-fastening-her-son-into-a-safety-seat-on-the-back-of-a-bicycle","type":"image","width":1920,"original":"https://assets.ing.com/m/37b6af8cc2bb17f6/original/Large_MS-PPT_Web-Happy-mother-fastening-her-son-into-a-safety-seat-on-the-back-of-a-bicycle.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/mijn-fiets-verzekeren/fietsverzekering"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Reisverzekering","intro":"Verzekeraar: Inter Partner Assistance nv","image":{"transformBaseUrl":"https://assets.ing.com/transform/5033530a-0c29-4b07-84a4-dba331f49c8b/go-abroad-risks-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/847b64335c2eeb/original/go-abroad-risks-1920.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/reisverzekering"},"promoText":"Beste koop door Testaankoop"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Familiale verzekering","intro":"Verzekeraar: NN Non-Life","image":{"transformBaseUrl":"https://assets.ing.com/transform/c3c5fc87-881c-44e5-813c-3ae1688fffb1/A-mother-and-her-young-todler-push-wheelbarrows-crop","type":"image","width":5700,"original":"https://assets.ing.com/m/26cc2806d91185c4/original/A-mother-and-her-young-todler-push-wheelbarrows-crop.jpeg","extension":"jpeg"},"link":{"url":"/nl/particulieren/verzekeren/familiale-verzekering"},"promoText":"Beste koop door Testaankoop"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Overlijdensverzekering met Vast Kapitaal","image":{"transformBaseUrl":"https://assets.ing.com/transform/84cc17eb-af0f-4249-8315-872866c53b53/Rear-view-of-people-on-field-by-trees","type":"image","width":5616,"original":"https://assets.ing.com/m/32c68f4f15c26966/original/Rear-view-of-people-on-field-by-trees.jpg","extension":"jpg"},"link":{"url":"/nl/particulieren/verzekeren/overlijdensverzekering-vast-kapitaal"}}]}]}}}