ING Car Insurance Review | Cover, Features & Extras | Savvy

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Although it’s perhaps best known as a bank, ING also offers a range of car insurance products. Read our review to learn more about its services!

Written by , updated on February 16th, 2024

ING is a Dutch multinational banking organisation which also provides a range of financial services, with clients scattered across over 40 countries. They’re best known as a bank in Australia, but also offer insurance, including car, health, home and contents, travel, motorcycle and pet cover, as well as superannuation.

In our review, we break down ING’s car insurance products so you can learn more about their ins and outs. Find out about what inclusions and optional extras are available today!

Disclaimer: all coverage offered by ING is subject to the terms and conditions of your policy. Limits and exclusions apply. Please refer to your Product Disclosure Statement (PDS) or contact ING if you’re unsure about what is and isn’t covered.

Please note that Savvy does not represent ING for its car insurance products. All listed policies, inclusions and limits are correct as of July 2023.

What car insurance policies are available through ING?

ING offers the following types of car insurance to Australian drivers:

Comprehensive Car Insurance

Third Party Property, Fire and Theft Car Insurance

Third Party Property Only Car Insurance

Comprehensive Car Insurance

Comprehensive car insurance is the policy which generally offers the most extensive coverage, which is the case with ING. The areas which are covered under ING’s Comprehensive Car Insurance policies include:

Accidental loss of or damage to your car, such as due to storm, flood, hail, fire, collision, theft, attempted theft or malicious act
Legal liability for damage to other people’s property caused by your car, up to $20 million
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
Reasonable cost of a hire car after theft or attempted theft for up to 14 days (maximum of $1,000)
Reasonable cost of a hire car after a not-at-fault accident until repairs are completed, your claim is paid or repair costs are paid
New car replacement for vehicles which are declared a total loss within two years or 40,000km of initial registration
Replacement of stolen car keys or remote and recoding of your car’s locks (up to $1,000)
Cover for damage to, or loss of, your trailer or caravan in a collision (up to $1,000)
Reasonable cost of emergency transport home or accommodation if your car is deemed unsafe to drive (up to $200 per day and $1,000 in total)
Cover for damaged or stolen personal items inside your car (up to $500)
Cover for damaged or stolen baby capsules or child seats inside your car (up to $500)
Essential temporary repairs to ensure your car is safe to drive (up to $500)
Removal of debris from your car from the scene of an accident (up to $500)
Choice of market value and agreed value cover
Quality of repairs guaranteed by ING

Third Party Property, Fire and Theft Car Insurance

ING’s Third Party Property, Fire and Theft cover sits in between its cheapest and most expensive policy options both in terms of cost and inclusions. This policy can include the following areas of coverage:

Accidental loss of or damage to your car due to fire or theft
Legal liability for damage to other people’s property caused by your car, up to $20 million
Reasonable cost of a hire car after theft or attempted theft for up to 14 days (maximum of $1,000)
Reasonable cost of towing and storing your vehicle if it’s deemed unsafe to drive after a covered event
Damage to your vehicle caused by an uninsured driver (up to $5,000)
Removal of debris from your car from the scene of an accident (up to $500)
Quality of repairs guaranteed by ING

Third Party Property Only Car Insurance

Third Party Property Only insurance is designed more to cover your liability for damage to other individuals’ property than your own vehicle. What you can expect to come under your policy includes the following:

Legal liability for damage to other people’s property caused by your car, up to $20 million
Damage to your vehicle caused by an uninsured driver (up to $5,000)
Removal of debris from your car from the scene of an accident (up to $500)
Quality of repairs guaranteed by ING

Are there any optional extras available through ING?

Yes – ING offers several optional extras on their Comprehensive Car Insurance policies. These are:

Reasonable daily cost of a hire car for up to 14 days after another claimable incident until repairs are completed, your claim is paid or repair costs are paid
Reduced excess for claims relating to front, rear and side window glass
Choice of repairer
Roadside assistance

What are some of the pros and cons of buying car insurance through ING?

Online purchase discount for all policies: as of July 2023, ING offers individuals a discount of 15% on their first year’s premium when they purchase any car insurance policy online.
Pay your premium monthly or annually: you can choose to pay your premium in monthly instalments or one single lump sum annually, with the latter option enabling you to receive a cheaper premium.
Choice of agreed and market value as standard: you can also select whether to insure your vehicle for its market value or agree a higher value with ING on its Comprehensive Car Insurance policies.

No option to reduce excess on Third Party policies: while you can opt for a higher excess to reduce your premium on your Comprehensive Car Insurance policy, this isn’t an option with Third Party policies.
No cover for rental vehicles: you can be covered for the cost of hiring a replacement car if your vehicle is being repaired after a covered incident, but ING doesn’t offer liability cover while you’re driving it.

Common questions about ING car insurance

Can I take advantage of a no-claim discount with ING?

Yes – ING provides policyholders with a no-claim discount (NCD) if they go for an extended period without making a claim. The longer you go without claiming, the greater your discount will be. While making a claim will generally reduce your NCD, the following circumstances won’t result in your discount being lowered:

Claims for a no-fault accident
Claims for damage to window glass only
Claims for damage directly caused by storm, wind or hail

What additional excesses are listed by ING?

On top of the basic excess which applies to any eligible claim, ING will also charge an additional excess in the following circumstances:

Drivers under 25
Drivers who’ve held a full licence for less than two years
Drivers who aren’t listed on the policy

In what states does ING operate in Australia?

ING offers car insurance in all Australian states and territories.

How do I make a claim through ING?

Through ING, you can lodge your claim either online 24/7 or over the phone.

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Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

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1300 974 066

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Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.