Need help straight away? Call our emergency number, available 24/7.
Check below which emergency number is linked to your policy number.
| Policynumber starting with a figure? | Policynumber starting with a letter (ING)? |
|---|---|
Call our emergency number: 020 592 9890 | Call our emergency number: 020 262 1781 You will be connected directly to Allianz Global Assistance. They will make sure you receive assistance as quickly as possible. |
Easily make a claim online
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"}},{"accordionList":[{"richBody":{"value":"What's covered by comprehensive insurance
Any damage to your vehicle. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.
Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.
If you've opted for a voluntary excess, you'll need to pay the repair shop yourself. After your claim has been settled, we'll contact the third party to claim the damage and any excess. If we manage to fully claim the damage, your claim-free years won't be affected, and your premium will stay the same.
What's covered by legal expenses cover
If you report the damage to Nationale-Nederlanden, they'll forward your claim to DAS Rechtsbijstand. Or call DAS directly at 020 651 87 75 instead.
No comprehensive cover and suffered damage caused by a third party:
If you don't have comprehensive car insurance and ING legal expenses insurance with traffic cover, you can hold the third party's insurer accountable. You can also send the claim form to us, so we can help settle your claim.
What's covered by third party cover
Any damage to a third party if you were responsible for the incident.
Any damage to your car is only covered if you have comprehensive cover. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.
Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.
How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years
Damage covered by comprehensive cover
For when you accidentally hit an object like a wall, safety barrier or street lamp post. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.
Your excess
f you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.
Damage covered by your third party cover
Any damage to the object you collided with. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.
How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years
Damage covered by comprehensive cover
Any damage to your vehicle. Together, we'll review if the damage can be brought before the Dutch Motor Traffic Guarantee Fund (Waarborgfonds Motorverkeer). If they settle your claim, your claim-free years and premium won't be affected. You need to meet a few criteria in order for the Dutch Motor Traffic Guarantee Fund to settle your claim. www.schadezonderdader.nl. These are the most important criteria:
Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.
Not covered
f you don't have comprehensive cover, this type of damage is not covered. You're free to check if your claim qualifies for settlement by the Dutch Motor Traffic Guarantee Fund at www.schadezonderdader.nl. Here, you'll also find an explanation about the Fund's criteria. If you have ING legal expenses insurance, DAS can help you review whether the Dutch Traffic Guarantee Fund will settle your claim. You can reach them at 020 651 87 75.
How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years
This type of damage is covered by third party plus and comprehensive cover.
Any damage to your car because it was stolen or broken into. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444. Your claim-free years won't be affected by this insurance claim, and your premium will stay the same.
Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll pay an additional excess of €150 for windscreen damage. The additional excess is €400 for windscreen replacement and other damage. You'll pay this excess on top of the excess amount you selected when you took out your insurance.
Not covered
Damage to your car because it was stolen or broken into is not covered by third party cover.
Damage covered by comprehensive cover
Damage caused by vandalism. Need immediate assistance? Nationale-Nederlanden is available 24/7: 088 66 33 444.
Your excess
If you have the damage repaired by a Glasgarant or Schadegarant repair shop, you'll only pay your selected excess amount – so no additional excess. If you choose a different repair shop, you'll need to pay an additional excess of €150 for windscreen damage. For windscreen replacement and other damage, the additional excess is €400. You'll pay this excess in addition to the excess amount you selected when you took out your insurance.
How your claim-free years may be affected
If your claim is settled, the discount on your premium may change. You can choose to pay for the damages within 2 years after your claim was settled – this might be cheaper. Learn more about claim-free years
Damage covered by third party plus and comprehensive cover
Windscreen damaged is only covered if you have third party plus or comprehensive insurance.
How your claim-free years may be affected
If your claim is settled, your claim-free years won't be affected, and your premium won't increase.
Tip: You can turn to one of our glass repair partners via www.glasgarant.nl. Always bring your green card and policy number. You won't need to make an insurance claim first – you can contact a Glasgarant repair shop right away. If you choose a different repair shop, you'll pay an additional excess of €150 for windscreen damage. The additional excess is €400 for windscreen replacement and other damage. You'll pay this excess on top of the excess amount you selected when you took out your insurance.
Did you take out ING Car Insurance after 26 July 2026? Then your policy number starts with a letter.
"}},{"accordionList":[{"richBody":{"value":"| Situation | Third-party Liability | Limited Comprehensive Cover | Fully Comprehensive |
| Losses caused by a liable third party | checked | checked | checked |
Losses caused by fire, blast, explosion or short circuit |
| checked | checked |
| Losses caused by natural disasters and animals |
| checked | checked |
| Losses caused by theft or burglary |
| checked | checked |
| Windscreen damage |
| checked | checked |
| Losses caused by vandalism or through your own fault |
|
| checked |
Are the losses not your fault? In that case, we will do our best to recover the amount from the other party. Do you have Third-Party liability or Limited Comprehensive insurance? In that case, you can make use of Direct Claims Settlement. Simply report the incident to us via My ING and the app. We’ll take care of the rest.
We will only reimburse under Direct Claims Settlement if:
Fire, explosion or short circuit
✔ Only with Limited Comprehensive cover or Fully Comprehensive cover
✘ No cover for scratches or scuffs
Natural disasters and animals
✔ Cover for storms, hail, earthquakes, flooding and collisions with animals
✘ No cover in the event of freezing or leakage
Theft or burglary
✔ Cover for theft, joyriding, fraud, embezzlement and burglary
✘ No cover if your car was left unlocked, the keys were left inside the car or the alarm system wasn’t working properly
Windscreen damage
✔ Cover for broken or cracked windows and glass shards
✘ No cover for scratches, dents or dirt
Is it covered? Book an appointment straight away with one of our affiliated windscreen repair shops. You don’t need to call us
Vandalism or your own fault
✔ Only with Fully Comprehensive cover
✘ No cover for wear and tear or damage not caused by a collision
Have you incurred damage? You will just want to get back on the road safely as soon as possible. Good news is: you don’t have to wait for us. Book an appointment straight away with a Tophersteller car repair shop in our network. There’s always one near you. And that way, you can be sure that everything will be sorted out properly.
What are the benefits?
At the repair shop, you will sign a Deed of Assignment. This means you are giving your consent for them to determine the repair costs and for us to pay that amount directly to them.
Would you prefer to go to your own repair shop?
That’s possible, but conditions apply:
Do you have the ‘Free Choice of Repair’ module? In that case, you can choose your own repair shop and you won’t have to pay the first €500 yourself
No Free Choice module? In that case, you pay the selected excess directly to the car repair shop.
In the case of windscreen damage, the repair shop must be a brand dealer or a BOVAG or FOCWA member.
And: the windscreen should only be replaced if it is absolutely necessary.
As soon as you’ve reported a claim, we’ll get straight to work on your behalf. We will assess your report and keep you informed of any updates. How soon you hear back depends on the complexity of the case. You’ll usually receive an update within 15 working days. Is there any news in the meantime? You’ll receive an email from us straight away.
"},"title":"How soon will I hear back from you?"},{"richBody":{"value":"You will need a claim report form if:
Fill in the form, have it signed if possible (either on the spot or afterwards), scan or photograph it, and attach it to your report. Please ensure that the form is completed in full and is clearly legible.
You do not need a claim form in the event of: windscreen damage, hail, storm damage, burglary, theft or joyriding.
Please note: in the event of a burglary, theft or joyriding, you must always report it to the police.
Yes, it's quick and easy via MobielSchadeMelden.nl. This is the official digital claim form, developed by the Dutch Association of Insurers.
You can fill in the form on your mobile phone or tablet. Alone or together with the other party. You can do this:
You upload photos, enter a digital signature, and the form is automatically sent to both insurers. Convenient and quick.
"},"title":"Can I fill in the claim form online?"},{"richBody":{"value":"That’s a nuisance, but there are solutions. In that case, please include a witness statement with your report. You can download it here. This only works if there are witnesses to the incident.
Tip: check whether there is any visual material, such as:
Do you have any footage like that? Send it as an attachment to your form. This will enable us to help you better and more quickly.
"},"title":"What if the other party refuses to fill in the accident report form?"},{"richBody":{"value":"That depends on who pays for the damage. If we pay out on the claim, you’ll be set back by 5 no-claim years. This is an agreement between all insurers. This is subject to keeping a maximum of 15 no-claim years, even if you have more no-claim years on your policy.
Calculation examples:
Yes, that’s possible. If you pay for the damage out of your own pocket, you won’t lose any of your no-claims years and your premium will remain the same. In particular, this works well for minor damage.
Good to know: have you already claimed compensation from us for the damage? If yes, you can still repay the claim yourself within 12 months. Your no-claims bonus will then be reinstated and your premium will be recalculated.
Would you like to know which option is better value for you? We’d be happy to help you find a solution. Ask your question via the chat. Available on weekdays from 08.30 to 19.00. You’ll find the chat in the bottom right-hand corner of your screen.
"},"title":"Is it sometimes more efficient to pay for the damage yourself?"},{"richBody":{"value":"In that case, it is important to have a loss adjuster assess the damage. It is easy to report your claim online via My ING or the app.
Things to bear in mind before you call:
- Location: the expert will only do the assessment at a car repair shop
- Date: can you book the appointment before 4.00 pm? In that case, it can be done as early as the next working day
- Time: between 08:30 a.m. and 5:00 p.m.
- Repair shop's approval: check in advance whether the repair company is aware of the arrangement and agrees to the appointment
Has everything been sorted out? Please give us a call to confirm the appointment.
"},"title":"The damage amounts to €500 or more. What do I do now?"},{"richBody":{"value":"Have you incurred windscreen damage and do you have Limited Comprehensive or Fully Comprehensive cover? In that case, you won’t need to fill in a claim form or report the incident via My ING.
You can book an appointment straight away with one of our affiliated windscreen repair shops, at any time and any place of your choice.
Our page about windscreen damage shows:
If you are involved in a collision with another driver, you must always fill in a claim report form together. You don’t you have one? Download it here.
Tip: use MobielSchadeMelden.nl – quick, digital and recognised by all insurers.
"},"title":"What if I’m involved in a claim against another party?"},{"richBody":{"value":"Do you have Fully Comprehensive cover, and has damage been caused to both your car and someone else’s? Then we will create two files:
1. One for your vehicle
2. One for the other party’s vehicle
As soon as it is clear who is liable, we will automatically close the other case file. You don’t need to take any action yourself.
"},"title":"Why do I see two files in the app and on My ING?"},{"richBody":{"value":"Do you need immediate help? Please call the 24/7 emergency number: 020 592 9890.
Or start a chat and let us know that it’s a breakdown or an emergency.
We will connect you to Allianz Global Assistance straight away. They will send you assistance as soon as possible.
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