This insurance plan provides the most comprehensive cover. This policy covers you for:
Fully Comprehensive car insurance (also known as All Risk Cover) offers the most complete cover. You are even covered for damage to your own car, even if you caused it yourself.
Check the policy conditions and information documents for a complete overview of covered and non-covered damage.
"},"textLinks":[{"text":"Information document 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 condition","url":"https://assets.ing.com/asset/6cbe2e24-6caa-43ee-bc83-976caaf76de4/Terms-and-conditions-ING-Car-insurance-VMAL-ENG.pdf"}],"title":"Terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"When should you opt for fully comprehensive cover?"},{"componentType":"paragraph","richBody":{"value":"You never ask for accidents and incidents to happen. But what about damage to your brand-new car? You certainly don’t want to think about that. That is precisely why many people with a car that is under six years old opt for comprehensive insurance. With Third-Party Comprehensive Cover, damage is covered, even if you caused it yourself. That way, you can be sure you won’t be in for any surprises. If you’re unsure about your choice, check our desicion aid.
"},"textLinks":[{"text":"Use our convenient decision aid","url":"/en/personal/insurances/car-insurance/decision-aid"}]},{"componentType":"paragraph","richBody":{"value":"The amount of your premium varies from person to person and depends on:
And the more no-claim years you have, the higher the no-claim bonus discount on your premium.
"},"title":"How much does comprehensive car insurance cost?"},{"componentType":"paragraph","richBody":{"value":"By default, you have no excess with the Fully Comprehensive Car Insurance policy. Did you opt for Fully Comprehensive cover? Then you can reduce the premium on your ING car insurance by choosing an excess. You can choose between €250, €500 and €1,000.
"},"title":"Excess"},{"componentType":"sectionTitle","title":"Extended purchase value"},{"componentType":"paragraph","richBody":{"value":"Has your car been written off or stolen? With Extended Purchase Value, you’ll be reimbursed the full purchase price of your car, up to 3 years after purchase. The following conditions apply: Your car is:
Has your car been written off or stolen? With Extended New Car Value cover, you’ll be reimbursed for the new car value of your vehicle for up to 3 years after purchase. This cover is also subject to certain conditions:
Would you like additional cover for more peace of mind? Then consider adding Passenger Cover, Traffic Legal Aid, Breakdown Assistance or Free Choice of Repair to your insurance policy. Take a look below at the benefits of these additional modules.
"}},{"accordionList":[{"richBody":{"value":"Passenger insurance covers you in the event of an accident. And it doesn’t matter who’s to blame. You are entitled to compensation of up to €1,000,000 for:
With Traffic Legal Aid, you are covered worldwide for legal assistance in the following situations:
Damage or injury caused by road traffic, whether or not a vehicle is involved
For example, if the other party denies liability or refuses to pay.
For example, if you suffer an injury as a pedestrian and wish to claim compensation from the other party
Disputes with a repair shop or car dealer
About the maintenance, purchase or sale of your vehicle. This applies only to members of BOVAG or FOCWA.
Hassle with renting or leasing a vehicle
If you are going to use the vehicle yourself.
Certain traffic-related criminal or disciplinary cases
For example, if you are summoned to appear in court for a traffic offence.
For example, if you are facing criminal proceedings for a traffic offence. You will then receive legal assistance in that case.
Has a traffic dispute arisen as a result of an accident in which you and your family were involved? Then all of you are covered for legal aid in the event of damage to property and personal injury.
Did your car break down? We’ll get you back on the road in no time. Our breakdown service is available 24/7 and usually arrives within 1 hour. So we will have you back on the road quickly.
What can we do for you?
The Netherlands or Europe? You decide.
Do you only want cover in the Netherlands? That’s possible! Would you prefer cover throughout Europe? No problem. Are they unable to fix your car there within 10 days? Then we’ll bring your car back to the Netherlands. Is that more expensive than your car is worth? You will then be reimbursed for the current market value.
Would you like to choose where to have your car damage repaired? With the ‘Free Choice of Repair’ module, you can simply choose your own repair shop or authorised dealer, even if they are not part of the Topherstel network. Without this cover, you’ll have to take your car to an authorised repair shop. Are you going to a different repair shop? In that case, your reimbursement will by default be €500 less. Wondering which repair companies are affiliated? Find one near you via the Repair Shop Locator.
"},"textLinks":[{"text":"Read more","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"}],"title":"Free Choice of Repair Provider"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Other ING car insurance policies"},{"accordionList":[{"richBody":{"value":"You must insure your car. And third-party liability insurance is the basic cover. This cover insures you against damage you cause to other people, their property or their vehicles whilst driving your car. This does not cover damage to your own car. Third-party cover is a good place to start if you have a slightly older car.
"},"textLinks":[{"text":"Find out more about third-party car insurance","url":"/en/personal/insurances/car-insurance/third-party-liability"}],"title":"Third-party liability"},{"richBody":{"value":"Do you want more than third-party cover? Limited Comprehensive cover also insures you against theft, storm damage and windscreen damage. Useful if your car is between 6 and 12 years old. No unnecessary luxury, but great cover.
"},"textLinks":[{"text":"Find out more about Limited Comprehensive","url":"/en/personal/insurances/car-insurance/third-party-liability-extra"}],"title":"Limited Comprehensive"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"It is easy to report a claim via the ING App or My ING. Simple, quick and entirely digital. Minor damage and windscreen damage should be taken straight to a repairer in the Topherstel network.
You’ll then benefit from:
At the repair shop, you’ll sign a Deed of Assignment so that we can pay the costs directly to them.
Would you prefer to go to a different repair shop?
With the ‘Free Choice of Repair’ module, you can choose your own repair shop or authorised dealer, without having to pay the €500 excess. Did you not select this add-on module? Then you pay the selected excess to the repair shop.
Windscreen damage?
You do not need to fill in a claim form if you have windscreen damage and are covered by Limited Comprehensive or Comprehensive insurance. You can then book an appointment directly with one of the affiliated windscreen repair shops, at any time or place of your choice. Visit our page on windscreen damage to find out when damage is covered and what this means for your no-claims bonus.
"},"textLinks":[{"text":"Find out more about the vehicle repair network","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"},{"text":"Find out more about free replacement vehicles","url":"/en/personal/insurances/car-insurance/free-replacement-transport-during-repairs"}],"title":"Would you like to report a claim?"},{"componentType":"paragraph","richBody":{"value":"
Are you planning to trade in your car soon? Or are you selling your current car first and you are not quite sure yet when you’ll buy a new one? No problem. There are smart ways to manage your current car insurance policy so that you don’t pay more than you need to, whilst still remaining properly insured.
"},"textLinks":[{"text":"Find out more about replacing or selling your car","url":"/en/personal/insurances/car-insurance/replace-or-sell-your-car"}],"title":"Replacing or selling your car"},{"componentType":"sectionTitle","title":"When are you not covered by ING Car Insurance?"},{"componentType":"paragraph","richBody":{"value":"You are not covered for any claims if:
It’s very easy to cancel your old insurance policy. With many insurers, you can even do this at any date, so you’re no longer tied into a one-year contract. Sort it out quickly and for free via opzeggen.nl
Want to cancel? Sorted in three steps:
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.
"},"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":"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.
Already a customer? You can take out your insurance just as easily. It’s arranged within minutes.
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.
"},"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":"ee4b576e-c9eb-43eb-bbfe-625329a35219","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Is your car less than 6 years old? Then it deserves some extra love: ING Fully Comprehensive Car Insurance. Not only are you insured against damage to other people’s property (as required by law), but also against damage to your own car. Even if you make a little mistake on the road.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/53cfb6a3158d5bb8/original/ing-investment-credit-car-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/b308054d-a216-40ee-ba7b-6205663a882e/ing-investment-credit-car-1920","type":"image","width":1920},"subtitle":"Quick and easy to arrange via the app or My ING","title":"Fully Comprehensive Car Insurance"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"/en/personal/insurances/car-insurance/apply-for-car-insurance"}}},"publishDate":"2026-07-27T15:04:53.349+02:00"}}