Third party plus car insurance covers everything third party insurance (WA) covers – and more. We've listed a few benefits:
Most people choose third party plus if their car is between 7 and 11 years old. Third party plus covers more than third party, and it doesn't cost as much for comprehensive cover. What's more, damage caused by theft or storms won't affect your claim-free years. The number of claim-free years you've accrued do influence your premium – the more claim-free years, the less you'll pay! See how much discount you'll get in our overview.
It depends! What you'll pay is based on your age, how many claim-free years you've accrued, how old your car is and how many kilometres you drive each year, among other factors.
"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/6a4d75cd-1de4-4496-8dc3-394a7f66b80b/my-ing-lease-1920","original":"https://assets.ing.com/m/212d737a322bab92/original/my-ing-lease-1920.jpg","extension":"jpg"}},{"componentType":"cta","textLink":{"url":"/en/personal/insurances/car-insurance/apply-for-car-insurance","text":"Calculate your premium"}},{"componentType":"sectionTitle","title":"Manage your insurance in the app"},{"componentType":"paragraph","richBody":{"value":"View and manage your ING car insurance in the mobile banking app – just like your bank account. You can also easily make car insurance claims using the app. Should the unexpected happen, we're only a few taps away.
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If you have third party plus car insurance for a second-hand car under 5 years old, during the first insurance year, your compensation in case of total loss or theft will be based on the car's purchase value. You can extend this term to 3 years.
"}},{"componentType":"sectionTitle","title":"Mandatory excess"},{"componentType":"paragraph","richBody":{"value":"If you go with the standard option, you won't need to pay any mandatory excess. But you can reduce the premium of your ING car insurance by opting for mandatory excess. You can choose between €150, €300, €600 and €1,200.
If your car is damaged or you were involved in an accident, you can make an insurance claim 24/7. If you choose to have the damage repaired at Schadegarant or Glasgarant, you'll only pay the mandatory excess of your choice. You'll also get a free replacement car while your car is being repaired. And you won't have to advance any repair costs. If you choose to have your car repaired at a repair shop that's not part of our network, your mandatory excess will increase by €400 and by € 150 in case of glass repair.
"}},{"componentType":"sectionTitle","title":"Optional extras"},{"componentType":"paragraph","richBody":{"value":"For more peace of mind, you can upgrade your ING car insurance policy with optional extra covers like legal aid, damage to occupants and breakdown cover (Pechdienst) in the Netherlands or across Europe.
Say you accidentally hit a cyclist who crosses the road without looking first. The Dutch Road Traffic Act protects ‘weaker’ road users and stipulates that as a motorist, you must pay at least 50% of the cyclist's damages. Your insurance will cover these damages, even though you weren't to blame. In such cases, our No blame, No claim scheme applies to ING customers. Since you're not at fault for the damage, your claim-free discount won't be affected, and your claim-free years won't be reduced.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/no-blame-no-claim","text":"Read more about No blame, No claim"}]},{"componentType":"sectionTitle","title":"Insuring a second car"},{"componentType":"paragraph","richBody":{"value":"If you buy a second car, you'll get a discount on your premium if you take out ING car insurance for it. This also applies to the third or fourth car in your household. It doesn't matter who these cars belong to, as long as the registered owners all share the same address.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/autoverzekering-tweede-auto","text":"Read more about insuring additional cars"}]},{"componentType":"sectionTitle","title":"Replacing or selling your car"},{"componentType":"paragraph","richBody":{"value":"Thinking of replacing your car? Or are you selling it with no plans to buy a new one? Check out our handy car insurance hacks.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/je-auto-vervangen-of-verkopen","text":"More about replacing or selling your car"}]},{"componentType":"sectionTitle","title":"Other types of cover"},{"componentType":"paragraph","richBody":{"value":"Third party (WA)
The most basic car insurance you can hold, and the Dutch legal minimum level of cover. Protects you against damage caused to third parties and their property. Does not cover damage to your car.
Read more about third party cover
Comprehensive (Allrisk)
The highest level of car insurance. It covers all types of damage, even if it's caused by you. That's why comprehensive cover is the most popular cover type for cars up to 7 years old.
Read more about comprehensive cover
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/keuzehulp","text":"Need help deciding? See which type of cover is best for you"}]},{"componentType":"sectionTitle","title":"Damage to your car"},{"componentType":"paragraph","richBody":{"value":"Accidents are enough of a hassle already. That's why we've made it easy to make a car insurance claim. For minor damage and cracked windscreens, you can visit a repair shop that's part of our network. In case of major damage, please give us a call first.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/schadehersteller","text":"Find a repair shop"},{"url":"/particulier/verzekeren/autoverzekering/schade-melden","text":"Make car insurance claim"}]},{"componentType":"sectionTitle","title":"Damage repair network"},{"componentType":"paragraph","richBody":{"value":"You can make an insurance claim anytime, anywhere. If Schadegarant or Glasgarant repairs the damage, you won't pay additional mandatory excess, and a replacement vehicle is included. You also won’t need to advance any repair costs. If you decide on a repair shop that's not part of our network, the mandatory excess for car repair and windscreen replacement is €400. For windscreen repair, the mandatory excess is €150. This amount will be added to the mandatory excess you've selected.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/schadehersteller","text":"Read more about our damage repair network"}]},{"componentType":"sectionTitle","title":"Free replacement car during damage repair"},{"componentType":"paragraph","richBody":{"value":"If you're involved in a collision and the damage to your car cannot be repaired within one business day, we understand you'd miss your car. If the damage is covered by third party plus or comprehensive cover, repair shops that are part of Nationale-Nederlanden's damage repair network will get you sorted. You'll get a free replacement car for as long as you need.
"},"textLinks":[{"url":"/particulier/verzekeren/autoverzekering/gratis-vervangend-vervoer-bij-reparatie","text":"Read more about replacement cars"}]},{"componentType":"sectionTitle","title":"Not an ING customer yet? Join us within minutes"},{"componentType":"paragraph","richBody":{"value":"If you don't have an ING current account and would like to take out insurance, you can do so with your phone – it's quick and easy.
"}},{"componentType":"sectionTitle","title":"Free switch service"},{"componentType":"paragraph","richBody":{"value":"Cancelling your insurance is much easier than it used to be. Most insurers will let you cancel daily, so you won't be stuck with it for the rest of the year. You can cancel your insurance for free at Opzeggen.nl
But before you cancel your old insurance, take out your new insurance at ING first. Carefully consider the start date, so you won't be double insured or lose cover.
For this non-life insurance, ING works together with Nationale-Nederlanden. ING acts as an intermediary for this insurance and is your trusted point of contact. Through ING, you can take out, view, change, and cancel the insurance. You can also report a claim to Nationale-Nederlanden via the ING app or Mijn ING. Nationale-Nederlanden is the insurer that offers this insurance under the ING brand, exclusively for ING customers. Nationale-Nederlanden collects your premium and pays out any applicable claims. ING receives an ongoing commission for mediating this insurance in the form of a fixed percentage of the premium.
"},"textLinks":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]},{"componentType":"cta","textLink":{"url":"/en/personal/insurances/car-insurance/apply-for-car-insurance","text":"Calculate your premium"}},{"componentType":"linkList","iconTitle":{"title":"Insurance at ING"},"textLinks":[{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/particulier/verzekeren/rechtsbijstandverzekering","text":"Legal expenses insurance"},{"text":"Liability insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/particulier/verzekeren/autoverzekering/autoblogs","text":"Car news & car blogs"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"https://assets.ing.com/m/1200154b535301fe/original/Polisvoorwaarden_ING_Autoverzekering_NL.pdf","text":"Car insurance policy terms and conditions (PDF)"},{"url":"https://verzekeringskaarten.nl/ing/Autoverzekering-WA-Extra","text":"Third party plus car insurance (WA Plus) information document"},{"url":"/particulier/verzekeren/autoverzekering/schade-melden","text":"About insurance claims and damage repair"},{"url":"https://assets.ing.com/m/ea2ab8470499ca36/original/ING_Europees-schadeformulier.pdf","text":"European claim form (PDF)"},{"url":"https://assets.ing.com/m/2db3ae1bc920fc3f/original/Voorwaarden-tevredenheidsgarantie_tcm_2022_162-101610_tcm162-101610.pdf","text":"Customer satisfaction guarantee (PDF)"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]}]}}}