With Limited Comprehensive cover, you are not only insured against damage to third parties but also against certain types of damage to your own car. After all, you take good care of your car. In addition to third-party liability cover, you are insured for:
Check the policy conditions and information documents for a complete overview of covered and non-covered damage.
"},"textLinks":[{"text":"Information document Limited Comprehensive Car Insurance","url":"https://assets.ing.com/asset/1aabe3b7-1c6b-4ee9-8a58-248cdfac4f9a/Information-document-ING-Car-Insurance-Limited-Casco-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"}],"title":"Terms and conditions"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"When should you opt for Limited Comprehensive cover?"},{"componentType":"paragraph","richBody":{"value":"You should always choose what suits you best. Most people opt for Limited Comprehensive cover if they have a car that is between 6 and 12 years old. Because some damage to your own car is covered. That gives you a bit more peace of mind, as your car will still be worth quite a lot. And Limited Comprehensive cover is cheaper than Fully Comprehensive cover. Damage to your own car does not affect your no-claims bonus. Are you still in two minds? Our selector guide will help you get started in just a few clicks.
"},"textLinks":[{"text":"Use our convenient selector guide","url":"/en/personal/insurances/car-insurance/decision-aid"}]},{"componentType":"sectionTitle","title":"How much does limited comprehensive 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.
"}},{"componentType":"sectionTitle","title":"Additional modules"},{"componentType":"paragraph","richBody":{"value":"Would you like additional cover for 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.
"}},{"accordionList":[{"richBody":{"value":"Add Passenger cover for insurance covering incidents and accidents And it doesn’t matter who’s to blame. You are entitled to compensation of up to €1,000,000 for:
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? And 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.
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’ll have to take your car to an authorised repair shop. Are you going to a different repair shop? In that case, your reimbursement will by default be €500 less. Wondering which repair companies are affiliated? Find one near you via the Repair Shop Locator.
You must insure your car, and third-party liability insurance is the basic cover. This cover insures you against damage you cause to other people, their property or their vehicles whilst driving your car. This does not cover damage to your own car. Third-party insurance is a good place to start if you have a car that’s over 12 years old.
"},"textLinks":[{"text":"Find out more about third-party car insurance","url":"/en/personal/insurances/car-insurance/third-party-liability"}],"title":"Third-party liability"},{"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 is easy to report a claim via the ING App or My ING. Simple, quick and entirely digital. Is the damage minor, or is it just damage to the windscreen? Then you can go directly to a repair shop in the Topherstel network.
You’ll then benefit from:
At the repair shop, you’ll sign a Deed of Assignment so that we can pay the costs directly to them.
Would you prefer to go to a different repair shop?
With the ‘Free Choice of Repair’ module, you can choose your own repair shop or authorised dealer, without having to pay the €500 excess. Did you not select this add-on module? Then you pay the selected excess to the repair shop.
You do not need to fill in a claim form if you have windscreen damage and are covered by Limited Comprehensive or Comprehensive insurance. You can then book an appointment directly with one of the affiliated windscreen repair shops, at any time or place of your choice. Visit our page on windscreen damage to find out when damage is covered and what this means for your no-claims bonus.
"},"textLinks":[{"text":"Find out more about the vehicle repair network","url":"/en/personal/insurances/car-insurance/damage-repair-specialist"},{"text":"Find out more about free replacement vehicles","url":"/en/personal/insurances/car-insurance/free-replacement-transport-during-repairs"}],"title":"Would you like to report a claim?"},{"componentType":"paragraph","richBody":{"value":"Are you planning to trade in your car soon? Or are you selling your current car first and you are not quite sure yet when you’ll buy a new one? No problem. There are smart ways to manage your current car insurance policy so that you don’t pay more than you need to, whilst still remaining properly insured.
"},"textLinks":[{"text":"Find out more about replacing or selling your car","url":"/en/personal/insurances/car-insurance/replace-or-sell-your-car"}],"title":"Replacing or selling your car"},{"componentType":"sectionTitle","title":"When are you not covered by ING Car Insurance?"},{"componentType":"paragraph","richBody":{"value":"You are not covered for any claims if:
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.
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":"cf7d6410-dc91-4c34-9e86-a6e243dd8b35","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/personal/insurances"}},"componentType":"productHeader","coreHeader":{"body":"Would you like to take out a little extra cover for your car, on top of the basic cover (third-party liability)? In that case, opt for Limited Comprehensive cover. That’s what many people do if their car is between 6 and 12 years old. In that case, theft or fire damage to your car, for example, is also covered. And with us, you can sort everything out via the ING App or My ING: make changes, report a claim or extend your cover. Anytime, anywhere.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/23eb0d3d72efb4ce/original/Car-loan-or-car-lease-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/fb3d8773-9029-43a7-9e48-2cbc2dd43961/Car-loan-or-car-lease-1920","type":"image","width":1920},"subtitle":"Basic cover for your car – and a little bit more","title":"Limited Comprehensive Car Insurance"},"cta":{"componentType":"cta","textLink":{"text":"Calculate your premium","url":"/en/personal/insurances/car-insurance/apply-for-car-insurance"}}},"publishDate":"2026-07-27T14:45:17.045+02:00"}}