Take out a company car insurance policy that suits you by deciding what you need to cover. Choose the coverage that’s right for you and your vehicle: Third-Party Liability, Limited Comprehensive or Fully Comprehensive.
"}},{"componentType":"accordion","accordionList":[{"title":"Who is this insurance for?","richBody":{"value":"You can take out Company Car Insurance of ING if you are self-employed or run an SME and have a Company account with ING. We cannot insure you if you use your vehicle for courier services, driving lessons, rental or taxi services.
Note: This insurance is only valid for passenger cars.
Do you drive a company van or a vehicle with grey license plates (starting with V or B)? Then check out our company van insurance.
When applying, you can indicate who the main driver is: you, someone else or multiple people, so you can be sure the right people are covered.
"}}]},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Third-Party Liability","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/car","text":"Calculate premium in My ING Business"}}},{"title":"Limited Comprehensive","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"},{"body":"Fire and explosion","iconType":"check-mark"},{"body":"Break-in and theft","iconType":"check-mark"},{"body":"Storm, hail and flood","iconType":"check-mark"},{"body":"Damage caused by animals","iconType":"check-mark"},{"body":"Damage to windscreen","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/car","text":"Calculate premium in My ING Business"}}},{"title":"Fully Comprehensive","usps":[{"body":"Covers damage to third parties","iconType":"check-mark"},{"body":"24/7 claims assistance (including outside the Netherlands)","iconType":"check-mark"},{"body":"Help with recovering losses","iconType":"check-mark"},{"body":"Fire and explosion","iconType":"check-mark"},{"body":"Break-in and theft","iconType":"check-mark"},{"body":"Storm, hail and flood","iconType":"check-mark"},{"body":"Damage caused by animals","iconType":"check-mark"},{"body":"Damage to windscreen","iconType":"check-mark"},{"body":"Collision","iconType":"check-mark"},{"body":"Vandalism","iconType":"check-mark"}],"cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/car","text":"Calculate premium"}}}],"title":"Third-Party Liability,Limited Comprehensive,Fully Comprehensive"},{"componentType":"paragraph","title":"Extra coverages","richBody":{"value":"Below we summarize the content of the extra coverages.
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Breakdown assistance","intro":"Roadside assistance, replacement transport or and towing services. Count 24/7 on the breakdown service in the Netherlands and Europe, even if you drive electric.","link":{"url":"/en/business/insurance/breakdown-assistance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Occupant insurance","intro":"Cover the driver and all passengers if they are involved in a collision. Personal items that were in the vehicle are also covered.","link":{"url":"/en/business/insurance/occupant-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Legal assist","intro":"A legal dispute concerning your company vehicle or a traffic incident? You will receive legal advice and assistance from the Dutch Legal Assistance Foundation.","link":{"url":"/en/business/insurance/legal-assistance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Garage choice","intro":"With Garage choice coverage, you can choose the garage you have been visiting for years, the brand dealer or the garage around the corner.","link":{"url":"/en/business/insurance/garage-choice"},"promoText":"Only with Limited Comprehensive or Fully Comprehensive"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Extended new-for-old insurance","intro":"In case of theft or total loss you will normally get the standard value based on the price list. With this coverage you get the total purchase value up to three years after purchase.","link":{"url":"/en/business/insurance/extended-new-for-old"},"promoText":"Only with Fully Comprehensive"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Extended Purchase value insurance","intro":"If you purchased your company car from an official dealer in the Netherlands or BOVAG garage you get the whole purchase value back in the first 3 years.","link":{"url":"/en/business/insurance/extended-purchase-value"},"promoText":"Only with Fully Comprehensive"}]},{"componentType":"paragraph","title":"What is not covered?","richBody":{"value":"If your vehicle suffers any damage or you are involved in an accident, you should know that you might not necessarily be covered. We do not provide coverage or assistance if:
Insuring your private car for business use
"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Do you use the same car for both personal and business trips? With ING, you can insure your private car for business use as well. This is ideal if you frequently travel for work and want to be fully covered during business-related journeys. One policy keeps everything clear and easy to manage.
A business insurance policy can also be financially beneficial, as certain car expenses may be tax‑deductible. Keep in mind that premiums can be higher due to more intensive use, and private use by family members is generally not covered. Make sure this setup fits the way you — and your family — use the car.
"}},{"componentType":"paragraph","title":"When to insure your car for business use","richBody":{"value":"A business car insurance policy is the right choice when you primarily use your car for work — for example, client visits, project locations or transporting materials. Do you only drive for business occasionally? In that case, a private policy with an additional business-use module may be a better fit. Business insurance becomes worthwhile when business trips make up the majority of your driving or are a consistent part of your job.
"}}]}]},{"componentType":"sectionTitle","title":"Cooperation with Allianz Direct"},{"componentType":"paragraph","richBody":{"value":"We cooperate with the insurer Allianz Direct, and where necessary with other insurers within Allianz Group. You can apply for an insurance, change your coverage or make a claim in My ING Business or the ING App. This insurance is underwritten by Allianz Direct, which means that they will collect your premium and pay out any successful claims.
Terms and conditions
See below our cooperation document and the terms & conditions. Please review these documents carefully and save them on your device.
Sometimes it takes a little longer to review your application, but we’ll keep you up to date. If we cannot insure your business, we will tell you straight after you apply.
"},"textLinks":[{"text":"Not yet a business customer with us? Open first a Business current account."}]},{"componentType":"highlight","title":"Why insure your car through ING?","richBody":{"value":"If you can deduct VAT on your vehicle, this also saves a lot on your car insurance. The premium is based on the catalogue price of your vehicle, excluding VAT. Any claims paid out then also exclude VAT.
"}},{"title":"Multi-vehicle insurance","richBody":{"value":"With company car insurance of ING, you can insure up to ten vehicles. If you discontinue using one of your vehicles for a certain amount of time, you can pause the policy for up to six months. Your no-claims bonus will continue during this period.
If you replace one of your company vehicles, it’s easy to start insuring your new vehicle, which automatically cancels coverage for your old one. You can do this in My ING Business or the ING App.
"}},{"title":"Electric Vehicles for business covered too","richBody":{"value":"We also provide coverage for electric vehicles used for business, including the charging cable. If your battery runs out, you’ll be towed to a charging point. For all breakdown and damage claims, contact your manufacturer first if they specify this.
"}},{"title":"What deductible would I have to pay?","richBody":{"value":"For Fully Comprehensive coverage, you can choose your own deductible: €0, €250, €500 or €1,000. For Limited Comprehensive or Third-Party Liability coverage, the standard deductible is €0.
"}},{"title":"How does a no-claims bonus work with a company car insurance policy?","richBody":{"value":"A no-claims bonus is built up either in your own name or in your company’s name. If your vehicle suffers damage caused by somebody else, this is usually covered by the party liable. If you succeed in claiming against the other party, it will not affect your no-claims bonus.
If you are liable for any damage yourself, this will affect your no-claims bonus and your premium will rise. Sometimes it’s cheaper to pay for minor damage yourself. If you make a claim with Allianz Direct and pay back the amount paid out to you within 12 months, you will get your no-claims bonus back.
"},"textLinks":[{"url":"https://www.allianzdirect.nl/ing/schadevrije-jaren/","text":"Read more about the no-claims bonus"}]},{"title":"Does my company car insurance also cover personal use?","richBody":{"value":"If your vehicle is registered to your company or to you as a sole proprietor, you will need a company car insurance policy. This also covers personal use of your company vehicle. But please note it usually does not work the other way round, i.e. car insurance for individuals often excludes company use.
"}}]},{"componentType":"cta","microCopy":"*You can calculate your premium in My ING Business","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/insurances/business/car","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500,"original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","extension":"png"},"title":"Also interesting for you"},"textLinks":[{"url":"/en/business/insurance","text":"All about business insurances"},{"url":"/en/business/insurance/ing-company-van-insurance","text":"Company van insurance"},{"url":"/en/business/insurance/my-business-insurances","text":"Manage your insurances"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
"}}]}}}