Has your car or any of its accessories been stolen? That is never something you hope for. Fortunately, with Limited Comprehensive or Fully Comprehensive Car Insurance, you’re covered for that. And that’s not all. You are also covered for other types of damage, depending on your cover. It’s smart to check exactly what’s covered. Please note: do you only have third-party liability insurance? In that case, theft is not covered. So carefully consider what suits you and your car.
These are the main differences between the 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 |
Have you been the victim of a car theft? In that case, report it to the police straight away. Whether it’s a burglary or the theft of your entire car. Please also contact us straight away before having anything repaired or towed, for example if any accessories have been stolen. We’ll help you organise the repair and give you some useful tips. Remember to take photos and document everything properly, so that the claim can be settled quickly and smoothly. Have you been the victim of theft? Please get in touch with us.
"},"textLinks":[{"text":"Schade melden","url":"/en/personal/insurances/car-insurance/make-car-insurance-claim"}],"title":"What should you do if your car is stolen?"},{"componentType":"paragraph","richBody":{"value":"It’s easy to prevent car theft. We’ve put together a few tips for you:
What if your car does get stolen? Report the incident to the police as soon as possible and notify ING of the losses incurred.
"},"textLinks":[{"text":"Find out more about reporting car damage","url":"/particulier/verzekeren/autoverzekering/schade-melden"}],"title":"Preventing car theft"},{"componentType":"paragraph","richBody":{"value":"You are not covered for any claims if:
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":"1cb4dd26-1e7c-47ab-a546-f4d810e7b27f","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"At ING, you can choose from three insurance policies: Third-party, Limited Comprehensive and Fully Comprehensive cover. Not all insurance policies cover theft.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/14c8cc8dc2979872/original/which-car-for-your-company-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/102436dd-0d3b-4d66-8284-dd120f0e2eeb/which-car-for-your-company-1920","type":"image","width":1920},"title":"Has your car been stolen? What does ING Car Insurance cover?"}},"publishDate":"2026-07-27T15:41:16.230+02:00"}}