{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"ING car insurance provides three kinds of cover: third-party liability, limited casco s and fully comprehensive. Read more and calculate your car insurance premium.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"ing-feat-car-insurance-widget?isWidget&__align=left&__width=500"},{"componentType":"sectionTitle","title":"Choose the cover that suits you"},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},"secondaryCta":{"textLink":{"text":"More information","url":"/en/personal/insurances/car-insurance/third-party-liability"}},"subtitle":"Most popular choice for cars over 12 years old","title":"Third-party liability","usps":[{"body":"Third-party claims","iconType":"check-mark"},{"body":"24/7 claim assistance via the ING App","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},"secondaryCta":{"textLink":{"text":"More information","url":"/en/personal/insurances/car-insurance/third-party-liability-extra"}},"subtitle":"Most popular choice for cars between 6 and 12 years old","title":"Limited Casco","usps":[{"body":"Third-party claims","iconType":"check-mark"},{"body":"24/7 claim assistance via the ING App","iconType":"check-mark"},{"body":"Theft, fire and windscreen damage","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},"secondaryCta":{"textLink":{"text":"More information","url":"/en/personal/insurances/car-insurance/all-risk"}},"subtitle":"Most popular choice for cars less than 6 years old","title":"Fully Comprehensive","usps":[{"body":"Third-party claims","iconType":"check-mark"},{"body":"24/7 claim assistance via the ING App","iconType":"check-mark"},{"body":"Theft, fire and windscreen damage","iconType":"check-mark"},{"body":"Damage caused by a collision, even if you are at fault","iconType":"check-mark"},{"body":"Choose 3 years’ extra cover with the Extended Replacement Value or Extended Purchase Price scheme","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Third-party liability,Limited Casco,Fully Comprehensive"},{"accordionList":[{"richBody":{"value":"<p>View the policy terms and information documents for a complete overview of what is and isn’t covered</p>"},"textLinks":[{"text":"Insurance card Third-party liability Car insurance","url":"https://assets.ing.com/asset/2071f5e8-ff62-4142-8a33-c390877dd0d4/Information-document-ING-Car-Insurance-WA-VMAL-ENG.pdf"},{"text":"Insurance card Limited Casco Car insurance","url":"https://assets.ing.com/asset/1aabe3b7-1c6b-4ee9-8a58-248cdfac4f9a/Information-document-ING-Car-Insurance-Limited-Casco-VMAL-ENG.pdf"},{"text":"Insurance card Fully Comprehensive Car insurance","url":"https://assets.ing.com/asset/3eb1e3e8-f43a-4577-844a-0e166555bb94/Information-document-ING-Car-Insurance-All-Risk-VMAL-ENG.pdf"},{"text":"Terms and conditions","url":"https://assets.ing.com/asset/6cbe2e24-6caa-43ee-bc83-976caaf76de4/Terms-and-conditions-ING-Car-insurance-VMAL-ENG.pdf"}],"title":"Policy terms and information documents"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"When are you not covered by ING Car Insurance?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You are not covered for any claims if:</span></span></span></span></span></span></p><ul><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You take part in an official or informal race</span></span></span></span></span></span></li><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>The car is used for hire, as a taxi, for driving lessons or for commercial goods transport</span></span></span></span></span></span></li><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You are in arrears</span></span></span></span></span></span></li><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You are driving without a valid driving licence </span></span></span></span></span></span></li><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>In the event of wilful negligence and/or deliberately providing incorrect information</span></span></span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Additional modules"},{"cards":[{"body":"It’s not just you – your passengers and your belongings are insured too.","cardSize":"medium","cardType":"product","componentType":"productCard","link":{"url":"/en/personal/insurances/car-insurance/damage-to-occupants"},"title":"Passenger cover"},{"body":"Legal assistance with road traffic disputes. Both at home and abroad.","cardSize":"medium","cardType":"product","componentType":"productCard","link":{"url":"/en/personal/insurances/car-insurance/legal-expenses"},"title":"Traffic Legal Aid"},{"body":"24/7 breakdown service or replacement transport. Choose where you want to be insured: in the Netherlands or throughout Europe.","cardSize":"medium","cardType":"product","componentType":"productCard","link":{"url":"/en/personal/insurances/car-insurance/breakdown-assistance"},"title":"Breakdown Assistance"},{"body":"Choose in which repair shop you want your vehicle repaired.","cardSize":"medium","cardType":"product","componentType":"productCard","link":{"url":"/en/personal/insurances/car-insurance/damage-repair-specialist"},"title":"Free Choice of Repair Provider"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Benefits of ING car insurance"},{"accordionList":[{"richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Has your car been written off or stolen? You’ll be reimbursed for the new value of your car for up to 3 years after purchase. You can select the <strong>Extended Replacement Value</strong> optional cover if you have <strong>Fully Comprehensive car insurance </strong>with us. In addition, the following applies to your car:</span></span></span></span></span></span></p><ul><li><span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>The car is <strong>less than 6 years old</strong></span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You bought the car <strong>no more than 1 year ago</strong></span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>The car was purchased from a <strong>BOVAG dealer or a Dutch brand dealer</strong></span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>The car was <strong>not imported </strong>from abroad</span></span></span></span></span></span></span></li><li><span><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Maximum reimbursement of €100,000 including VAT</span></span></span></span></span></span></span></li></ul>"},"title":"Extended Replacement Value"},{"richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You will be reimbursed for the purchase price for up to 3 years after buying your car in the event of theft or if your car is declared a total loss. Only in conjunction with comprehensive insurance.</span></span></span><span><span> </span></span></p>"},"title":"Extended Purchase Value"},{"richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>You can simply report a claim via the ING App, 24/7. There are two ways to have repairs carried out:</span></span></span></span></span></span></p><ol><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Via the Topherstel<span> </span>car repair network. In that case, you only pay the excess you selected, and you will be provided with a replacement car free of charge. You don’t have to pay for repair costs up front.  </span></span></span></span></span></span></li><li><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>By a non-network repair shop. In that case, by default, we’ll pay €500 less towards your repair costs. </span></span></span></span></span></span></li></ol><p><br /><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Do you always want to go to your trusted repair shop or brand dealer? In that case, choose the ‘Free Choice of Repair’ module.</span></span></span></span></span></span></p>"},"textLinks":[{"text":"Read more about damage repair specialist","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"}],"title":"Car Repair Network"},{"richBody":{"value":"<p>Taking out a new policy and canceling your old one is done in 3 steps:<br />Step 1: Calculate your premium – no obligation<br />Step 2: Apply for your insurance and use the free Switch Assistance<br />Step 3: Your old insurance will be canceled automatically</p>"},"textLinks":[{"text":"Read more about Switch Assistance","url":"/en/personal/insurances/switching-your-insurance-to-ing"}],"title":"Switching your car insurance to ING"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Yes. You can cancel your ING Car Insurance at any time, even the very same day you take it out, via the ING App or My ING. Alternatively, contact us by telephone on 020 22 888 88. You are covered up to and including the day on which your insurance cover ends. We’ll simply refund any overpaid premiums. Please note: you are by law required to take out at least third-party liability insurance for your car.</span></span></span></span></span></span></p>"},"title":"Can car insurance be cancelled any day?"},{"richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Do you have damage that cannot be repaired on the same day, and do you have Limited Comprehensive or Fully Comprehensive insurance? Then you will be provided with a replacement car free of charge. From the moment the repair work begins until your car has been repaired. All thanks to the Topherstel car repair network. </span></span></span></p>"},"textLinks":[{"text":"Find out more about the vehicle repair network","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"}],"title":"Do you get a replacement car when your car is being repaired?"},{"richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Car insurance is an important part of owning a car. But which cover should you choose? That depends on a number of factors, such as the value of your car and whether you took out a loan to buy it. But of course, your own preferences are important too.  </span></span></span></p>"},"textLinks":[{"text":"Find out here which car insurance is best for you","url":"/en/personal/insurances/car-insurance/decision-aid"}],"title":"Which car insurance is right for me?"},{"richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Yes. You may cancel your car insurance within fourteen days of receiving the policy documents. In that case, you will not have paid any premium and will therefore not have been insured. You can do this easily via your policy details in My ING and the app.</span></span></span></p>"},"title":"Is there a cooling-off period as well?"},{"richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Market value, replacement value and catalogue value are some of the terms used when discussing the value of your car. It is important to know what they mean, as they affect the amount paid out in the event of a claim. </span></span></span></p>"},"textLinks":[{"text":"Read more here about your car’s current market value and other important terms","url":"/en/personal/insurances/car-insurance/current-market-value-of-the-car"}],"title":"What does the current market value of your car mean?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Take out ING car insurance quickly and easily via the ING App or My ING"},{"componentType":"paragraph","richBody":{"value":"<p><span lang=\"EN-GB\" dir=\"ltr\"><span><span>Do you have the vehicle registration number at hand? You can sort it out in 2 minutes.</span></span></span></p>"}},{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},{"componentType":"sectionTitle","title":"Blogs"},{"cards":[{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/7198b26dea884b3/original/A-man-looking-at-this-phone-while-relaxing-on-an-orange-hammock-in-the-forest.jpg","transformBaseUrl":"https://assets.ing.com/transform/fb52c49c-287c-4987-9f1b-909919ce78f2/A-man-looking-at-this-phone-while-relaxing-on-an-orange-hammock-in-the-forest","type":"image","width":6000},"intro":"Hit the road without a care in the world. Read all about cars and car insurance in our car blogs.","link":{"url":"/particulier/verzekeren/autoverzekering/autoblogs"},"title":"Car news & Car blogs"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Questions from customers with ING Car Insurance"},{"accordionList":[{"richBody":{"value":"<p>You can simply take out a new ING Car Insurance policy for your second car.</p><p><strong>Please note:</strong> No-claim years are unique to each insured vehicle and only apply to that specific car. This means you cannot use the no-claim years from one insured car for a second, third, or fourth car insured by you, your partner living at the same address, or your resident child(ren).</p><p>Each additional car you insure will build up its own no-claim years. If you have not yet built up any no-claim years for this second, third, or fourth car, please enter <strong>0 no-claim years</strong> when applying.</p>"},"title":"How can I insure my second car?"},{"richBody":{"value":"<p>Sorry to hear you’re not satisfied. We’d rather prevent that. Whatever the reason, we’ll handle your complaint quickly. Read everything about reporting complaints about car insurance</p>"},"textLinks":[{"text":"Read more about filing a complaint","url":"/en/personal/insurances/complaint-about-insurance"}],"title":"I have a complaint about my car insurance, where can I report it?"},{"richBody":{"value":"<p>Want to cancel an ING insurance policy? We’re sorry to see you go. Besides the extensive coverage, your claims are always handled as well as possible. Make sure you’re not underinsured or completely uninsured. Have you checked if you can adjust your current policy? Or if another ING insurance might suit you better?</p>"},"textLinks":[{"text":"Read more about canceling","url":"/en/personal/insurances/cancellation"}],"title":"How can I cancel my ING Car Insurance?"},{"richBody":{"value":"<p>The IVB (formerly the green card) is sent every year with your renewal notice. If you accidentally deleted that email, contact us at 020 22 888 88. The IVB will then be sent to you again.</p>"},"textLinks":[{"text":"Read more about the green card","url":"/en/personal/insurances/car-insurance/green-card"}],"title":"How can I receive a green card?"},{"richBody":{"value":"<p>Read the most frequently asked questions about paying your insurance premium, who debits the premium, and what to do if you have a payment backlog.</p>"},"textLinks":[{"text":"Read more about what to do in case of payment arrears","url":"/en/personal/insurances/pay-premium"}],"title":"What can I do if I have payment arrears?"},{"richBody":{"value":"<p>Got a broken car window? You can go to a repair shop in the repair network. This way, you can have your damage repaired immediately at a repair shop near you.</p>"},"textLinks":[{"text":"Find a repair shop","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"}],"title":"I have glass damage, is this covered? What should I do?"},{"richBody":{"value":"<p>This is quickly arranged via ING, both through Mijn ING and the ING App. Click on your insurance in your product overview and choose “Adjust” at the top of your screen. You will automatically be taken to the page where you can change your policy yourself. You will receive immediate confirmation of your change, and your updated policy will appear in your product overview. It’s that simple!</p>"},"textLinks":[{"text":"Adjust your car insurance","url":"https://mijn.ing.nl/banking/insurances/services?EW=true"}],"title":"How can I adjust my car insurance?"},{"richBody":{"value":"<p>An accident is unpleasant enough. Reporting damage is easy with ING. For minor damage and glass damage, you can go directly to a repair shop in the repair network. Is the damage more severe? Check the emergency number and we’ll help you. If your damage is not an emergency, report it online. This way, we remain most available for customers with urgent cases.</p><p> </p>"},"textLinks":[{"text":"Report car damage","url":"/en/personal/insurances/car-insurance/make-car-insurance-claim"}],"title":"I have damage to my car, what now?"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"<p>In the ING app and My ING, you can manage many insurance-related matters 24/7, such as reporting damage, adjusting, or canceling your policy.</p>"},"textLinks":[{"text":"Fix it here","url":"https://mijn.ing.nl/banking/insurances/services?EW=true"}],"title":"Do you have insurance through ING?"},{"componentType":"paragraph","richBody":{"value":"<p>Our insurance products are specifically designed for ING customers. Not yet an ING customer? You can easily open an account, please note that fees may apply.<br />Already a customer? You can take out your insurance just as easily. It’s arranged within minutes.</p>"},"textLinks":[{"text":"Read more about the ING Current Account here.","url":"/en/personal/payments/bank-accounts/open-an-account"}],"title":"Want our insurance but not an ING customer?"},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"text":"Information documentThird-party Liability Car insurance","url":"https://assets.ing.com/asset/2071f5e8-ff62-4142-8a33-c390877dd0d4/Information-document-ING-Car-Insurance-WA-VMAL-ENG.pdf"},{"text":"Information document Limited Casco Car insurance","url":"https://assets.ing.com/asset/1aabe3b7-1c6b-4ee9-8a58-248cdfac4f9a/Information-document-ING-Car-Insurance-Limited-Casco-VMAL-ENG.pdf"},{"text":"Information document All Risk Car insurance","url":"https://assets.ing.com/asset/3eb1e3e8-f43a-4577-844a-0e166555bb94/Information-document-ING-Car-Insurance-All-Risk-VMAL-ENG.pdf"},{"text":"Terms and conditions ING Car insurance","url":"https://assets.ing.com/asset/6cbe2e24-6caa-43ee-bc83-976caaf76de4/Terms-and-conditions-ING-Car-insurance-VMAL-ENG.pdf"},{"text":"Europees schadeformulier (PDF)","url":"https://assets.ing.com/m/ea2ab8470499ca36/original/ING_Europees-schadeformulier.pdf"}]},{"componentType":"paragraph","richBody":{"value":"<p>With ING, you can easily take out insurance, manage it, and report claims via the ING app or My ING. ING acts as your authorized agent and acts on behalf of insurers. We assess insurance applications, collect premiums, and ensure smooth claims processing.</p>"},"textLinks":[{"text":"Learn more about our role as a power of attorney and who we work with.","url":"/en/personal/insurances/managing-general-agent"}],"title":"You choose, we handle it"}]},"hasMacro":false,"id":"c2e8bfb3-c208-4504-971c-dee84b870544","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"You must always insure your car. With ING, you can choose the cover that suits you best. You can choose between third-party, limited comprehensive and fully comprehensive cover. Have you taken out insurance? You can sort everything out via the ING App or My ING. Simple, quick and entirely digital, wherever you are.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920},"subtitle":"Quick and easy to set up via My ING or the ING App","title":"ING Car Insurance"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},"secondaryCta":{"textLink":{"text":"Not an ING customer? Calculate here","url":"/en/personal/insurances/car-insurance/apply-for-car-insurance"}},"usps":[{"body":"Low premiums","icon":{"extension":"svg","original":"https://assets.ing.com/asset/e74fa424-bf06-4498-9afd-943a82f81c4c/Money-Coins_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e74fa424-bf06-4498-9afd-943a82f81c4c/Money-Coins_Euro_Outline","type":"image","width":0}},{"body":"Choose mandatory excess","icon":{"extension":"png","original":"https://assets.ing.com/asset/36968932-c506-42b1-bfec-76e350a11f0e/ING_Subscriptions_Icon_Waaier3cards-Klein.png","transformBaseUrl":"https://assets.ing.com/transform/36968932-c506-42b1-bfec-76e350a11f0e/ING_Subscriptions_Icon_Waaier3cards-Klein","type":"image","width":80}},{"body":"Replacement value scheme for Limited Comprehensive and Fully Comprehensive covers","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/1cc5cbc90a9f344f/original/Insurance-Security_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/7859d523-ed00-4ee1-b754-5228f535a396/Insurance-Security_Outline","type":"image","width":32}}]},"publishDate":"2026-09-07T14:34:26.308+02:00"}}