Which car insurance should you choose? That’s ultimately up to you. At ING, you can choose from three types of coverage:
WA (third party):
This is the basic car insurance. It covers damage you cause to others, but not damage to your own car. This insurance is mandatory for all car owners and is most often chosen for cars that are 12 years or older.
WA Plus (third party plus):
WA Plus also covers damage caused by fire, theft, storms, and broken windows. This type of insurance is typically chosen by drivers with cars between 7 and 11 years old.
Comprehensive coverage (All-risk):
All-risk insurance covers damage to your car regardless of the cause. That’s why it’s also known as comprehensive coverage. This option is most often chosen for cars up to 7 years old.
WA (third party) | WA Plus (third party plus) | WA All-risk (comprehensive) | |||||
|---|---|---|---|---|---|---|---|
| Liability for damage to third parties | checked | checked | checked | ||||
| Support with damage, both in the Netherlands and abroad | checked | checked | checked | ||||
| Car theft + Accessoiries | checked | checked | |||||
| Windshield damage | checked | checked | |||||
| Damage to your car caused by events such as theft, fire, storm, and natural disasters | checked | checked | |||||
| Accessories insured up to €2.500 | checked | checked | |||||
| New-for-old replacement in case of theft or total loss | 1 year Extendable to 3 years | 1 year Extendable to 3 years | |||||
| Purchase value compensation in case of theft or total loss | 1 year Extendable to 3 years | 1 year Extendable to 3 years | |||||
| Damage to your car, regardless of the cause | checked | ||||||
| Damage caused by vandalism | checked | ||||||
| Extended assistance in case of damage | checked |
The value of your car is referred to as the current market value. This is the price you would pay for a comparable car. You want your car insurance to match this market value. If your car is still relatively new and has a high market value, it makes sense to choose comprehensive coverage - so that damage you cause to your own car is also insured. If your car has a low market value, you might be fine with just the mandatory third-party liability (WA) coverage. This decision is of course personal, but make sure you choose consciously.
"}},{"componentType":"sectionTitle","title":"How did you pay for the car?"},{"componentType":"paragraph","richBody":{"value":"There are various ways to finance a car. Maybe you worked hard and saved up monthly? Or perhaps you borrowed the full purchase amount? Think carefully about the consequences in case of damage. If you cause damage to your own car and only have WA coverage, your insurer won’t pay anything. But borrowing costs money, so you’ll likely still be paying off your loan. In the worst-case scenario, you no longer have a car (total loss) but still have a debt.
"}},{"componentType":"sectionTitle","title":"Do you have savings for a repair?"},{"componentType":"paragraph","richBody":{"value":"Eventually, it can happen to any of us: damage to your car that needs repair. Or damage so severe that it’s better to buy a new car. Make a good decision in advance for damage that can’t be recovered from another party. Do you want to pay for this damage from your own savings, or would you rather be well insured? With WA Plus coverage, you’re insured for damage caused by fire, theft, storm, and also window damage. With WA All Risk coverage, damage you cause to your own car is also well insured.
"}},{"componentType":"sectionTitle","title":"Do you regularly drive abroad?"},{"componentType":"paragraph","richBody":{"value":"Do you often go away for the weekend or take your car on holiday? Then it’s important to consider what kind of service you want in case of an accident. If you’re involved in a collision abroad, the circumstances are very different from those in your hometown. It’s much harder to contact emergency services, find a reliable garage, or arrange replacement transport. With ING Car Insurance, you can always count on extensive assistance - even abroad.
Would you also like to be insured in case of breakdowns abroad? Then you can expand your insurance with the European Roadside Assistance module.
With the Roadside Assistance module, you get help day and night if your car breaks down due to a mechanical or electronic failure and you’re unable to continue driving. You can choose the Roadside Assistance Netherlands and/or Europe modules.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/breakdown-assistance","text":"Read more about Roadside Assistance"}]},{"componentType":"sectionTitle","title":"How many people ride with you?"},{"componentType":"paragraph","richBody":{"value":"Do you always drive alone? Or do you take your son’s football team to matches every week? Getting into an accident is never pleasant - especially when others are traveling with you. With the additional Passenger Damage module, you receive compensation if items in your car are damaged or if passengers are injured in a traffic accident. This applies even if the accident is your fault. Do you want your passengers to be well insured? Then consider adding the Passenger Damage module.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/damage-to-occupants","text":"More about Passenger Damage"}]},{"componentType":"sectionTitle","title":"Do you want your damages to be recovered?"},{"componentType":"paragraph","richBody":{"value":"There you are, on the side of the road. Someone just rear-ended you. What needs to happen now, and what information do you need? You exchange names, phone numbers, and policy numbers. Then you try to fill out the damage report as accurately as possible. The next day, you contact your insurer. With the Legal Assistance module, you receive professional legal support from DAS Legal Assistance. You can use DAS, for example, if you’re involved in a collision through no fault of your own and want to recover the damage to your car.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/legal-expenses","text":"More about Legal Assistance Car Insurance"}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/insurances/application/car?flow-step=00-StartCalculating&EW=true","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"title":"Frequently asked questions"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/aanvullende-dekkingen-autoverzekering","text":"What additional coverages are available?"},{"url":"/en/personal/insurances/car-insurance/what-is-the-bonus-malus-system","text":"What is the bonus-malus scale?"},{"url":"/particulier/verzekeren/autoverzekering/dagwaarde-auto","text":"How is the current value of my car determined?"}]},{"componentType":"linkList","iconTitle":{"title":"Documents"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"},{"url":"/particulier/verzekeren/autoverzekering/schade-melden","text":"About damage repair and reporting damage"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]}]}}}