ING offers you a choice of three types of cover:
| Third-Party Liability | Limited Comprehensive | Fully Comprehensive |
Liability for damage caused to others | checked | checked | checked |
Assistance with claims at home and abroad | checked | checked | checked |
Theft of a car and accessories |
| checked | checked |
Windscreen damage |
| checked | checked |
Damage to your car caused by events such as theft, fire, acts of God, storms and natural disasters |
| checked | checked |
Accessories up to €5,000 covered |
| checked | checked |
Replacement value scheme in the event of theft or total loss |
|
| 1 year Can be extended to 3 years |
Replacement value scheme in the event of theft or total loss |
|
| 1 year Can be extended to 3 years |
Damage to your car, whatever the cause |
|
| checked |
Damage caused by vandalism |
|
| checked |
|
|
|
|
We refer to the value of your car as its current market value. Put simply: what you would pay for a similar car today. Naturally, you want insurance to match. Is your car still relatively new and has a high current market value? In that case, fully comprehensive cover would make sense. This means you’re also covered for damage you cause yourself. Does your car actually have a low current market value? In that case, the compulsory third-party liability cover might be enough. What you choose depends on your situation. Make a well-considered choice. That way, you can be sure you’ve got it right.
"}},{"componentType":"sectionTitle","title":"How did you pay for the car?"},{"componentType":"paragraph","richBody":{"value":"There are all sorts of ways to finance your car. Perhaps you’ve saved up and paid cash, or perhaps you took out a loan. Whatever is the case, consider carefully what would happen in the event of accidents and incidents. Imagine that you cause damage to your own car and you only have third-party insurance? In that case, you won’t receive any pay-out. But you still have to pay off your loan. So in the worst-case scenario, you’ll be left without a car while you still have to pay off your debt. That’s not a good place to be. So make sure your cover matches the way you’ve financed your car. That way, you don't need to worry about unpleasant surprises.
"}},{"componentType":"sectionTitle","title":"Do you have any savings set aside for a repair?"},{"componentType":"paragraph","richBody":{"value":"Damage to your car – it can happen to any of us. Sometimes it’s just a matter of getting it repaired; other times, your car is in such a bad state that you’re better off buying a new one. That’s why it’s a good idea to carefully consider in advance what happens if you cannot recover damage caused by another party. Do you pay for it out of your own pocket, or do you choose a more comprehensive insurance cover? With Limited Comprehensive cover, you are insured against damage caused by fire, theft, storm and glass breakage. And with a Fully Comprehensive cover, you’re even covered for damage you cause yourself. That way, you can be sure you won’t be in for any surprises.
"}},{"componentType":"sectionTitle","title":"Do you regularly drive abroad?"},{"componentType":"paragraph","richBody":{"value":"Do you often go away for the weekend or go on holiday by car? In that case, think carefully about what arrangements you want to have in place if something goes wrong. A road accident abroad really is quite different from one at home. Abroad, it is often much more difficult to call the emergency services, find a reliable repair shop or arrange for replacement transport. With ING Car Insurance, you can count on comprehensive assistance, even outside the Netherlands. Do you want to be properly insured in the event of a breakdown abroad? Why not extend your insurance to include European Breakdown Cover? That way, you can set off with peace of mind.
"},"textLinks":[{"text":"More information about ING Car Insurance","url":"/en/personal/insurances/car-insurance"}]},{"componentType":"sectionTitle","title":"Breakdown assistance"},{"componentType":"paragraph","richBody":{"value":"Breakdown assistance is an optional add-on for all ING car insurance policies. With this module, you’ll receive assistance day and night if your car breaks down due to a mechanical or electronic fault and you’re unable to continue your journey. Would you like additional cover? In that case, choose the Breakdown Assistance Netherlands and/or Europe module.
"},"textLinks":[{"text":"Read more about Breakdown assistance","url":"/en/personal/insurances/car-insurance/breakdown-assistance"}]},{"componentType":"sectionTitle","title":"How many people are travelling with you?"},{"componentType":"paragraph","richBody":{"value":"Whether you’re driving your children and their football team to their matches every week, or just giving someone a lift now and then, an accident is never a good experience. And certainly not when you have others with you. The optional Passengers module has got you covered. Is anyone injured or is any property damaged in a road traffic accident? Then you will receive compensation. Even if the accident was your fault. Do you want your passengers to be properly insured? In that case, choose the ‘Passengers’ add-on module.
"},"textLinks":[{"text":"More about the ‘Passengers’ add-on module","url":"/en/personal/insurances/car-insurance/damage-to-occupants"}]},{"componentType":"sectionTitle","title":"Do you want compensation to be recovered?"},{"componentType":"paragraph","richBody":{"value":"In a traffic dispute? Then you want someone to stand up for you. The Traffic Legal Aid module provides you with legal assistance in the event of losses caused by a third party. Whether you’re in the car, on a bike, on foot or travelling by public transport. Even if you’re in a dispute with a repair shop or a brand dealer over the servicing or purchase of your vehicle, you’re not on your own.
"},"textLinks":[{"text":"More about the supplementary Traffic Legal Aid module","url":"/en/personal/insurances/car-insurance/legal-expenses"}]},{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"https://mijn.ing.nl/banking/mobile/insurances/retail/car?EW=true"}},{"componentType":"paragraph","richBody":{"value":"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.
You can always calculate your premium without any obligations and without committing to anything. You can take out car insurance in two simple steps.
Your old insurance policy will be cancelled automatically
You are not covered for any claims if:
Yes. Do you have damage that cannot be repaired within one working day, and do you have Limited Comprehensive or Fully Comprehensive cover? 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.
"},"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":"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.
"},"title":"Is there a cooling-off period as well?"},{"richBody":{"value":"Market value, replacement value and catalogue value are just a few 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.
"},"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":"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":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"What additional coverages are available?","url":"/en/personal/insurances/car-insurance/additional-coverages-for-car-insurance"},{"text":"How is the current value of my car determined?","url":"/en/personal/insurances/car-insurance/current-market-value-of-the-car"}]},{"componentType":"paragraph","richBody":{"value":"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":"c5246c84-ef4b-4057-bf9e-a5bc18ab0e45","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"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. But of course, your own preferences are important too. And perhaps most importantly, how much premium you are able and willing to pay.","headerImage":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/60a0dfd3e29befc8/original/MAN-STANDING-IN-FOREST.jpg","publishedAt":"2020-08-15T17:09:21Z","transformBaseUrl":"https://assets.ing.com/transform/1fd616b4-6ba1-466e-9e37-3ae2f4a692ae/MAN-STANDING-IN-FOREST","type":"image","updatedAt":"2022-10-18T14:28:31Z","width":6000},"subtitle":"We’re happy to help you get started","title":"Which car insurance is right for me?"},"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"}}},"publishDate":"2026-07-27T20:07:07.095+02:00"}}