{"type":"document","data":{"id":"10d6a205-66f4-4113-8aa1-b1389e694da6","localeString":"en-GB","publishDate":"2026-03-13T17:37:37.725+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The Car insurance module damage to occupants provides compensation for material damage and personal injury to you and your passengers. Read more here."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},"secondaryCta":{"textLink":{"url":"/en/personal/insurances/car-insurance/apply-for-car-insurance","text":"Not an ING customer? Calculate here"}},"coreHeader":{"body":"The module damage to occupants of the ING Car Insurance provides compensation for material damage and personal injury to you and your passengers.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/c9c1d7f2-f21b-448e-9484-7a7230c9f67d/segmentationpolicycar-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/672bd17846aa852c/original/segmentationpolicycar-1920.jpg","extension":"jpg"},"title":"Damage to occupants"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The module damage to occupants provides compensation for:"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Physical injury or health impairment of the insured*</li><li>Material damage to items located in the car**</li></ul>"}},{"componentType":"paragraph","title":"Coverage","richBody":{"value":"<table><thead><tr><th>Description</th><th><strong>Insured amount</strong></th></tr></thead><tbody><tr><td><table><tbody><tr><td>Material damage and personal injury to driver and passengers</td></tr></tbody></table></td><td><table><tbody><tr><td>€ 1,000,000</td></tr><tr /></tbody></table></td></tr><tr><td><table><tbody><tr><td>Damage to personal belongings in the car</td></tr></tbody></table></td><td><table><tbody><tr><td>€ 1,000,000</td></tr><tr /></tbody></table></td></tr></tbody></table><p> </p>"}},{"componentType":"paragraph","richBody":{"value":"<p>* Damage must be medically verifiable and caused by a traffic accident involving the insured and the insured vehicle.<br />** The insurance may also pay out if the accident was caused by the insured or due to force majeure. Personal fault - except for not wearing a helmet or seatbelt - does not affect the payout.</p>"}},{"componentType":"sectionTitle","title":"What is and isn’t covered with the module damage to occupants?"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Covered","usps":[{"body":"Injuries sustained by you and your passengers in a car accident, including compensation for pain and sufferings (smartengeld)","iconType":"check-mark"},{"body":"Damage to the belongings of the driver and passengers","iconType":"check-mark"}]},{"title":"Not covered","usps":[{"body":"If passengers were transported in the cargo area","iconType":"check-mark"},{"body":"Reimbursement only and in proportion to the number of passangers allowed in the car. If a passenger did not wear a mandatory seat belt, the compensation is reduced by 25% for that passenger","iconType":"check-mark"},{"body":"The money that the passengers carry","iconType":"check-mark"},{"body":"Damage directly related to alcohol or drug use by the driver","iconType":"check-mark"},{"body":"Damage already covered by your own or a co-insured’s liability insurance","iconType":"check-mark"}]}],"title":"Covered,Not covered"},{"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":"What is the deductible?"},{"componentType":"paragraph","richBody":{"value":"<p>There is no deductible.</p>"}},{"componentType":"sectionTitle","title":"What is the maximum compensation?"},{"componentType":"paragraph","richBody":{"value":"<p>A maximum compensation of €1,000,000 per incident applies to all insured parties combined.</p><p>View the policy conditions for a complete overview of covered and non-covered damages (Dutch only). </p><p><a href=\"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf\">Read the policy conditions</a></p>"}},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/personal/insurances/car-insurance","text":"Return to the ING Car Insurance"},{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium now"}]},{"componentType":"linkList","iconTitle":{"title":"More Information"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/make-car-insurance-claim","text":"Reporting Damage Car insurance"},{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}