{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Third party car insurance protects you against damage you cause to other people and their vehicles. Read more and calculate your third party car insurance premium.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Benefits of ING Third-Party Car Insurance"},{"componentType":"paragraph","richBody":{"value":"

You are well insured against damage caused to others. We’ve listed all the benefits for you.

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Do you have a car registered in your name? In that case, you are by law required to take out at least third-party car insurance. With this basic cover, you are insured against damage you cause to others with your car.

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However, with ING Third-Party car insurance, you are not covered for theft of or damage to your own car. Is that really what you want? In that case, choose our Limited Comprehensive cover or Fully Comprehensive cover.

"}},{"accordionList":[{"richBody":{"value":"

Check the policy conditions and information documents for a complete overview of covered and non-covered damage.

"},"textLinks":[{"text":"Information document Third-Party car insurance","url":"https://assets.ing.com/asset/2071f5e8-ff62-4142-8a33-c390877dd0d4/Information-document-ING-Car-Insurance-WA-VMAL-ENG.pdf"},{"text":"Terms and conditions","url":"https://assets.ing.com/asset/6cbe2e24-6caa-43ee-bc83-976caaf76de4/Terms-and-conditions-ING-Car-insurance-VMAL-ENG.pdf"}],"title":"Terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"When should you opt for third-party liability cover?"},{"componentType":"paragraph","richBody":{"value":"

You can always choose the cover that suits you best. Is your car more than 12 years old? In that case, most people opt for third-party liability insurance. At this point, the value of your car will have dropped off considerably. The premium for third-party liability cover is often lower than for Limited Comprehensive and Fully Comprehensive cover. Because you’re not insured for damage to your own car.

Not sure which car insurance plan to choose? Why not use our convenient selector guide?

"},"textLinks":[{"text":"Selector guide","url":"/en/personal/insurances/car-insurance/decision-aid"}]},{"componentType":"sectionTitle","title":"How much does third-party car insurance cost?"},{"componentType":"paragraph","richBody":{"value":"

The amount of your premium varies from person to person and depends on:

And the more no-claim years you have, the higher the no-claim bonus discount on your premium. 

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Would you prefer to hit the road with a little more peace of mind? Then consider adding Passenger Cover, Traffic Legal Aid, Breakdown Assistance or Free Choice of Repair to your insurance policy. Take a look below at the benefits of these additional modules.

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Add Passenger cover for insurance covering incidents and accidents from injury of a passenger to your sports bag. And it doesn’t matter who’s to blame. You are entitled to compensation of up to €1,000,000 for:

"},"textLinks":[{"text":"Read more","url":"/en/personal/insurances/car-insurance/damage-to-occupants"}],"title":"Passenger cover"},{"richBody":{"value":"

With Traffic Legal Aid, you are covered worldwide for legal assistance in the following situations:

Damage or injury caused by road traffic, whether or not a vehicle is involved
For example, if the other party denies liability or refuses to pay.

For example, if you suffer an injury as a pedestrian and wish to claim compensation from the other party

Disputes with a repair shop or car dealer
About the maintenance, purchase or sale of your vehicle. This applies only to members of BOVAG or FOCWA.

Hassle with renting or leasing a vehicle
If you are going to use the vehicle yourself.

Certain traffic-related criminal or disciplinary cases
For example, if you are summoned to appear in court for a traffic offence.
For example, if you are facing criminal proceedings for a traffic offence. You will then receive legal assistance in that case.


Has a traffic dispute arisen as a result of an accident in which you and your family were involved? Then all of you are covered for legal aid in the event of damage to property and personal injury.

 

"},"textLinks":[{"text":"Read more","url":"/en/personal/insurances/car-insurance/legal-expenses"}],"title":"Traffic Legal Aid"},{"richBody":{"value":"

Did your car break down? We’ll get you back on the road in no time. Our breakdown service is available 24/7 and will usually be with you within an hour. So we will have you back on the road quickly.

What can we do for you?

The Netherlands or Europe? You decide.
Do you only want cover in the Netherlands? That’s possible! Would you prefer cover throughout Europe? No problem. Are they unable to fix your car there within 10 days? Then we’ll bring your car back to the Netherlands. Is that more expensive than your car is worth? You will then be reimbursed for the current market value.

 

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Would you like to choose where to have your car damage repaired? With the ‘Free Choice of Repair’ module, you can simply choose your own repair shop or authorised dealer, even if they are not part of the Topherstel network. Without this cover, you will by default receive €500 less in compensation if you use a repair shop that is not part of the network. Wondering which repair companies are affiliated? Find one near you via the Repair Shop Locator.

"},"textLinks":[{"text":"Read more","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"}],"title":"Free Choice of Repair Provider"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Other ING car insurance policies"},{"accordionList":[{"richBody":{"value":"

Do you want more than third-party cover? Limited Comprehensive cover also insures you against theft, storm damage and windscreen damage. Useful if your car is between 6 and 12 years old. No unnecessary luxury, but great cover.

"},"textLinks":[{"text":"Find out more about Limited Comprehensive Cover","url":"/en/personal/insurances/car-insurance/third-party-liability-extra"}],"title":"Limited Comprehensive"},{"richBody":{"value":"

Do you just want to have everything covered? With Fully Comprehensive cover, you’re also covered if the damage is caused by you. This cover is popular for cars up to 6 years old. You drive; we’ll cover you.

"},"textLinks":[{"text":"Find out more about Fully Comprehensive","url":"/en/personal/insurances/car-insurance/all-risk"}],"title":"Fully Comprehensive"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"

It’s very easy to cancel your old insurance policy. With many insurers, this can be sorted on any date. So you don’t need to wait until your current policy year has ended or until you buy a new car. Sort it out quickly and for free via opzeggen.nl

Want to cancel? Sorted in three steps:

  1. First, take out your new insurance policy with ING. Make sure you check the start date carefully, to prevent double insurance and insurance gaps.
  2. Go to our switching guide and click through to opzeggen.nl. Select your current insurer, enter your details, and your cancellation letter will be ready.
  3. Click 'Send'. Opzeggen.nl will send your letter to your current insurer free of charge. You’ll receive confirmation straight away.
"},"textLinks":[{"text":"Find out more about our free switching assistance","url":"/en/personal/insurances/switching-service"}],"title":"Ready to switch? It’s easier than you think."},{"componentType":"sectionTitle","title":"When are you not covered by ING Car Insurance?"},{"componentType":"paragraph","richBody":{"value":"

You are not covered for any claims if:

"}},{"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.

"},"textLinks":[{"text":"Read more about the ING Current Account here.","url":"/en/personal/payments/bank-accounts/open-an-account"}],"title":"Want our insurance but not an ING customer?"},{"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":"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":"4d8905b2-004f-435e-89d4-8a8d06e08ae0","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"You must insure your car. At the very least, with third-party liability insurance. That is the basic cover, which means you are insured against civil liability. This concerns damage caused [VE4.1][BJ4.2]by or with your car to other cars, people or their property. Damage to your own car is not covered by insurance. Have you incurred damage? Or would you like to make any changes to your insurance? With ING, you can manage everything via the ING App or My ING, anytime, anywhere.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/a64c6be2-1f7c-4fe3-b559-969e310e65e8/ING_Subscriptions_Insights_Foto_06.jpg","transformBaseUrl":"https://assets.ing.com/transform/a64c6be2-1f7c-4fe3-b559-969e310e65e8/ING_Subscriptions_Insights_Foto_06","type":"image","width":1200},"subtitle":"Basic cover: properly insured","title":"Third-Party car insurance with ING"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"/en/personal/insurances/car-insurance/apply-for-car-insurance"}}},"publishDate":"2026-07-27T14:44:58.395+02:00"}}