View the policy terms and information documents for a complete overview of what is and isn’t covered
"},"textLinks":[{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA","text":"Insurance card Car insurance WA"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA-Extra","text":"Insurance card Car insurance WA Plus"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA-Casco","text":"Insurance card Car insurance WA All risk"},{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"},{}]}]},{"componentType":"sectionTitle","title":"Optional extras"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Damage to occupants","body":"Compensation if you or others in your car are injured in a traffic accident.","link":{"url":"/en/personal/insurances/car-insurance/damage-to-occupants"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Legal expenses","body":"Professional legal help from DAS Rechtsbijstand.","link":{"url":"/en/personal/insurances/car-insurance/legal-expenses"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Breakdown Assistance","body":"24/7 help if your car breaks down due to a mechanical or electronic failure.","link":{"url":"/en/personal/insurances/car-insurance/breakdown-assistance"}}]},{"componentType":"sectionTitle","title":"Benefits of ING car insurance"},{"componentType":"accordion","accordionList":[{"title":"No blame, no claim","richBody":{"value":"In plain English: no fault, no penalty. Suppose you hit a cyclist who suddenly rides onto the road without looking. The Dutch Road Traffic Act protects ‘vulnerable’ road users and states that as a motorist you must still pay at least 50% of the cyclist’s damage. This means your insurance covers the damage, even though you couldn’t prevent it. In these situations, ING customers benefit from the No blame – No claim rule. Because you are not at fault, your no-claim discount remains unaffected.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/no-blame-no-claim","text":"Read more about no blame, no claim"}]},{"title":"Up to 80% discount for claim-free driving","richBody":{"value":"Every year you do not claim damage, you build up a no-claim discount. Each claim-free year moves you up the bonus-malus ladder and increases your discount. If you do claim damage, you move down and lose some discount.
Important: you only start building claim-free years after taking out car insurance.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/what-is-the-bonus-malus-system","text":"Read more about the discount for claim-free driving"}]},{"title":"Repair network","richBody":{"value":"You can report damage 24/7. If you choose Schadegarant or Glasgarant for repairs, you pay no extra deductible (on top of any deductible you selected) and get a free replacement car. Plus, you do not have to advance repair costs. If you choose a repair shop outside the Nationale-Nederlanden network, your deductible for car and glass replacement is €400. For glass repair only, the deductible is €150.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/damage-repair-specialist","text":"Read more about damage repair specialist"}]},{"title":"Switching your car insurance to ING","richBody":{"value":"Taking out a new policy and canceling your old one is done in 3 steps:
Step 1: Calculate your premium – no obligation
Step 2: Apply for your insurance and use the free Switch Assistance
Step 3: Your old insurance will be canceled automatically
Did you know ING car insurance has won the Car Insurance of the Year award for the second year in a row? Autoverzekering.nl compared product terms and customer preferences across 18 insurers and 54 car insurance policies. ING Car Insurance (All risk) scored 9.2 and was named the best car insurance of 2025!
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/468d30d9-9ea9-4321-b160-ecf63199034d/autoverzekering-nl-award-CROPTOP","original":"https://assets.ing.com/m/136ae539b0412845/original/autoverzekering-nl-award-CROPTOP.png","extension":"png"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Can I cancel the car insurance daily?","richBody":{"value":"Yes, immediately after taking out the policy you can cancel daily via ing.nl/verzekeren or by phone at 020 22 888 88. You are insured until the day your policy ends. Any overpaid premium will be refunded.
"}},{"title":"What is not covered by ING Car Insurance?","richBody":{"value":"You are not insured for damage:
If you are involved in an accident and your car cannot be repaired within 1 working day, you will want a replacement car. If the damage is covered under WA Plus or WA All risk, this is arranged within the Nationale-Nederlanden repair network. You get a free replacement car from the start of repairs until your car is fixed.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/free-replacement-transport-during-repairs","text":"Read more about replacement transport"}]},{"title":"Which car insurance suits me?","richBody":{"value":"After finding the right car, you still need to arrange insurance. Which coverage suits you best depends on your preferences, budget, and a few key choices.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/decision-aid","text":"Discover which car insurance suits you best"}]},{"title":"Is there a cooling-off period?","richBody":{"value":"Yes, you can cancel within 14 days after receiving your policy documents. You pay no premium and were not insured.
"}},{"title":"What does the current value of your car mean?","richBody":{"value":"When talking about car value, many terms are used. It’s important to understand these because they affect the payout in case of damage.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/current-market-value-of-the-car","text":"Read more about the current value of your car"}]}]},{"componentType":"sectionTitle","title":"Quick and easy to arrange via the ING App or Mijn ING"},{"componentType":"paragraph","richBody":{"value":"Keep your license plate handy. It’s arranged in 2 minutes.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"Blogs"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Car news & Car blogs","intro":"Read everything about cars and car insurance in our blogs. So you know exactly how it works and can drive confidently.","image":{"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,"original":"https://assets.ing.com/m/7198b26dea884b3/original/A-man-looking-at-this-phone-while-relaxing-on-an-orange-hammock-in-the-forest.jpg","extension":"jpg"},"link":{"url":"/particulier/verzekeren/autoverzekering/autoblogs"}}]},{"componentType":"sectionTitle","title":"Questions from customers with ING Car Insurance"},{"componentType":"accordion","accordionList":[{"title":"How can I insure my second car?","richBody":{"value":"If your household has multiple cars, you can use the family car scheme. This gives you 5% extra discount on the premium for the second car. You can insure up to 3 extra cars under the ING Car Insurance scheme. These can be your own (second) car, your partner’s, or your child’s living at home.
What happens if I have damage to my car?
Damage to your first car does not affect the discount on your second or third car insurance and vice versa.
Taking out extra car insurance?
For a second, third, or fourth car within your household, you get 5% discount on the premium for the extra car insured with ING Car Insurance.
The discount applies only to yourself, your partner, and children living at home.
Conditions for insuring a second car:
Note: Claim-free years are unique to each car and cannot be transferred.
Tip: Insure the car with the highest premium as the second, third, or fourth car to maximize the 5% discount!
"}},{"title":"I have a complaint about my car insurance, where can I report it?","richBody":{"value":"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
"},"textLinks":[{"url":"/en/personal/insurances/complaint-about-insurance","text":"Read more about filing a complaint"}]},{"title":"How can I cancel my ING Car Insurance?","richBody":{"value":"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?
"},"textLinks":[{"url":"/en/personal/insurances/cancellation","text":"Read more about canceling"}]},{"title":"How can I receive a green card?","richBody":{"value":"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.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/green-card","text":"Read more about the green card"}]},{"title":"What can I do if I have payment arrears?","richBody":{"value":"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.
"},"textLinks":[{"url":"/en/personal/insurances/pay-premium","text":"Read more about what to do in case of payment arrears"}]},{"title":"I have glass damage, is this covered? What should I do?","richBody":{"value":"Got a broken car window? You can go to a repair shop in the Nationale-Nederlanden repair network. This way, you can have your damage repaired immediately at a repair shop near you.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/damage-repair-specialist","text":"Find a repair shop"}]},{"title":"How can I adjust my car insurance?","richBody":{"value":"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!
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/insurances/services?EW=true","text":"Adjust your car insurance"}]},{"title":"I have damage to my car, what now?","richBody":{"value":"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 Nationale-Nederlanden network. Is the damage more severe? Call 088 66 33 444 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.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/make-car-insurance-claim","text":"Report car damage"}]}]},{"componentType":"linkList","iconTitle":{"title":"Relevant links"},"textLinks":[{"url":"/en/personal/insurances/file-damage-claim","text":"Make insurance claim"},{"url":"/en/personal/payments/bank-accounts/become-a-customer","text":"Become an ING customer"},{"url":"/en/personal/insurances/switching-your-insurance-to-ing","text":"Free help switching banks"},{"url":"/en/personal/insurances/amend-insurance-policy","text":"Make changes to your insurance"},{"url":"/en/personal/insurances/cancellation","text":"Cancel your ING insurance"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA","text":"WA car insurance information document"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA-Extra","text":"WA Plus car insurance information document"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA-Casco","text":"WA All Risk car insurance information document"},{"url":"https://assets.ing.com/m/ea2ab8470499ca36/original/ING_Europees-schadeformulier.pdf","text":"European claim form (PDF)"},{"url":"https://assets.ing.com/m/31c27798e8ec9e44/original/Voorwaarden-tevredenheidsgarantie-2023.pdf","text":"Satisfaction Guarantee(PDF)"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]},{"componentType":"paragraph","title":"Partnership with Nationale-Nederlanden","richBody":{"value":"For this non-life insurance, ING works together with Nationale-Nederlanden. ING acts as an intermediary for this insurance and is your trusted point of contact. Through ING, you can take out, view, change, and cancel the insurance. You can also report a claim to Nationale-Nederlanden via the ING app or Mijn ING. Nationale-Nederlanden is the insurer that offers this insurance under the ING brand, exclusively for ING customers. Nationale-Nederlanden collects your premium and pays out any applicable claims. ING receives an ongoing commission for mediating this insurance in the form of a fixed percentage of the premium.
"},"textLinks":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]}]}}}