ING Car Insurance

ING is a provider of a range of banking products such as credit cards, personal and home loans and superannuation. Aside from car insurance, ING also offers home and contents, travel and motorcycle insurance policies.

What types of car insurance does ING offer?

At the time of writing, ING offers three types of car insurance:

  • Comprehensive: This type covers your liability for damage caused by the car to other people’s property, as well as essential repairs, emergency transport and accommodation and personal effects, among other things. It also provides cover for the vehicle up to a predetermined amount.
  • Third Party Property, Fire and Theft: This provides the same cover as Third Party Property Only, plus cover for loss or damage to the car if it is stolen or catches fire only. It also includes a hire car following theft, guaranteed repairs, towing costs and uninsured motorist damage.
  • Third Party Property Only: This covers your liability for damage caused by the car to other people’s property. This policy type also includes a repair guarantee and cover for uninsured motorist damage.

If you’re unsure about which kind of car insurance is most appropriate for you, or you’d like more information on the differences between the different levels of cover, here’s our guide to the different kinds of car insurance.

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What additional features does ING offer on their car insurance products?

ING allows you to add a number of optional extras to a Comprehensive policy, such as a car hire following an accident (as opposed to a hire car following a no fault accident, which is included), reduced excess for window glass, your choice of repairer and no claim discount protection. 

All ING car insurance policies include 24/7 claims.

Read the ING car insurance PDS for more information on cover inclusions and exclusion, limits and excesses, as well as any other conditions that apply to its cover. If you are unsure whether ING car insurance is the right fit for you, you can compare other car insurance providers on our database.

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ING car insurance FAQs

ING allows you to choose between the market and agreed value for your vehicle if you’re covered by a Comprehensive Policy. If you’re not sure which one would be best for your vehicle specifically, you can read about market value and agreed value differences.

First, consider comparing car insurance policies with Canstar to find a product that suits your needs.

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To take out a car insurance policy, ING advises you to fill out an online questionnaire to generate a quote. You can then review your quote, add optional benefits and select a policy start date. Once you have purchased an ING policy, you will receive a confirmation email containing your policy documents for you to review.

If you need any help with purchasing a car insurance policy, ING says to make a phone call for assistance. Read the PDS for the terms and conditions.

ING allows Comprehensive car insurance policy owners to nominate a higher or lower excess. This may affect the cost of your car insurance premiums. A higher excess will typically result in a lower premium, while a lower excess will typically result in a higher premium.

You can lodge a claim with ING online through the ING website or over the phone.

When lodging a claim, ING suggests that you gather as much information as possible about the incident before you start the claims process. Some things that might come in handy include:

  • your policy number
  • details of the incident, including time and place
  • other drivers’ names, addresses, vehicle registration numbers and insurance details
  • any witnesses’ names and contact details
  • details of any tow-truck company used
  • Police report number and/or photographs of the damage and scene (if possible)

Your ING car insurance policy will renew automatically each year and the renewal premium will be charged to your nominated account. ING sends a renewal offer at least 14 days before the policy’s renewal date, so that you can review the premium and excess for the new period, your details and notice any changes to the terms and conditions of your policy.

If you do not wish to renew your policy, you must contact ING before the renewal date.

Consider comparing car insurance policies before simply renewing the same policy, so that you continue to get the cover you need, as well as value for money:

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ING Australia is part of the global ING Group, has had an Australian banking licence since 1994 and is headquartered in Sydney. It has over 1,700 employees and 2 million customers in Australia. ING is regulated by the Australian Prudential Regulation Authority (APRA).

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This article was reviewed by our Sub-editor Jacqueline Belesky before it was published as part of our fact-checking process.

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Written by: Eliza Parry-Okeden | Last updated: November 24, 2020