Each year, people in the Netherlands spend hundreds of euros on insurance. Check what coverage you actually need. Some insurances are mandatory: health for medical costs, third-party for car owners, and home insurance if you have a mortgage. Other types are optional and up to you.
"},"textLinks":[{"url":"/en/personal/insurances","text":"ll about insurance via ING"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/ef534ccb-f6c0-44cc-8148-03ba5f7f62fe/Young-Muslim-woman-walking-in-a-park","altTextNL":"\"\"","original":"https://assets.ing.com/m/39cedb9351e83e14/original/Young-Muslim-woman-walking-in-a-park.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Taking out insurance together"},{"componentType":"paragraph","richBody":{"value":"Know which insurances you want, and decide who will be the policyholder - the person whose name is on the insurance. For some types, like travel insurance and contents insurance, you'll need to list any co-insured individuals.
"},"textLinks":[{"url":"/en/personal/insurances/amend-insurance-policy","text":"Modifying existing insurance"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/637d7371-f512-40fe-ad20-bd5b89f82476/Two_women_friends_look_at_laptop_while_eating_and_drinking_in_a_-low-res","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4d9e61d96894114/original/Two_women_friends_look_at_laptop_while_eating_and_drinking_in_a_-low-res.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Switching insurers?"},{"componentType":"paragraph","richBody":{"value":"If you or your partner already have contents or home insurance, you can keep your current policy, but other insurers might offer lower premiums depending on your home. Compare options carefully. If you get a new policy through ING, we’ll help cancel your old one for free. Also, notify the insurer that you’re moving in together.
"},"textLinks":[{"url":"/en/personal/insurances/switching-service","text":"More about the Switching Service"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/88512113-4d88-4c76-9add-80d94f7c5c2c/PORTRAIT-OF-HAPPY-YOUNG-COUPLE","altTextNL":"\"\"","original":"https://assets.ing.com/m/59d75bd7782709df/original/PORTRAIT-OF-HAPPY-YOUNG-COUPLE.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Avoid double insurance"},{"componentType":"paragraph","richBody":{"value":"When couples move in together, they often maintain separate contents or liability insurance policies without realising they're paying twice for the same coverage. To prevent this, review both policies, cancel one, and adjust the other to cover you both. Sharing a single policy is usually more cost-effective.
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/costs","text":"What does home contents insurance cost?"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/c2694d6f-e380-400c-8d1f-dfc162190864/high-angle-view-of-bird-in-boat-on-field","altTextNL":"\"\"","original":"https://assets.ing.com/m/6c59288517d9ed68/original/high-angle-view-of-bird-in-boat-on-field.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Renovating a house?"},{"componentType":"paragraph","richBody":{"value":"Renovating your home when someone moves in can boost its value, such as adding a floor or extension. With ING Home Insurance, you’re protected against underinsurance for events like fire or storms. You can also get legal expenses insurance from ING to help resolve disputes with contractors over unmet agreements.
"},"textLinks":[{"url":"/particulier/verzekeren/woonverzekering/opstal-waardebegrippen","text":"Superficies: what value is compensated?"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/50e4f341-008b-4fb4-a986-feda94976214/WOMAN-STANDING-BY-WINDOW-IN-ROOM","altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/97a7770594df692/original/WOMAN-STANDING-BY-WINDOW-IN-ROOM.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"More (more expensive) stuff in the house?"},{"componentType":"paragraph","richBody":{"value":"Are you moving to a larger home or having your partner join you? Your household items' value may rise, so review your home contents insurance. You might need extra coverage, like the Outdoor Module, for added protection of valuables.
"},"textLinks":[{"url":"/particulier/verzekeren/woonverzekering/inboedel-waardebegrippen","text":"Household effects: what value is reimbursed?"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/5b57f4e0-459c-4fc4-8b4d-4545d4137499/Man-relaxing-in-headphones-at-home","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/689439fea21d5ae4/original/Man-relaxing-in-headphones-at-home.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"ING Home Contents Insurance"},{"componentType":"paragraph","richBody":{"value":"If you choose ING Contents Insurance, your belongings are automatically insured up to €150,000. This means you don't need to update your coverage every time you purchase new furniture or renovate your home. You can insure valuables against theft for combined totals of €5,000, €15,000, or €30,000 per claim. Personal jewellery is always covered up to €5,000. Other items may also have specific coverage limits.
To see exactly what is and isn't covered, check the ING Home Contents Insurance Policy Conditions
"},"textLinks":[{"url":"/en/personal/insurances/home-insurance/home-contents-insurance","text":"What is contents insurance?"}]},{"componentType":"sectionTitle","title":"Family Car Scheme for a second car insurance"},{"componentType":"paragraph","richBody":{"value":"The family car scheme is designed to cover additional cars owned by you, your partner, and/or your children residing at the same address. Through ING Car Insurance's family car scheme, you may insure up to three additional cars under one policyholder’s name. Each supplementary car insurance policy qualifies for a 5% discount, which also applies to any additional coverage modules selected. To be eligible, all individuals making use of the scheme must reside at the same address.
"},"textLinks":[{"url":"/en/personal/insurances/car-insurance/car-insurance-partner","text":"More about the family car scheme"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/023a48e8-e446-4466-bc38-15499e794a3c/WOMAN-LOOKING-AWAY-IN-CAR","altTextNL":"\"\"","original":"https://assets.ing.com/m/7cf128ffd01b9110/original/WOMAN-LOOKING-AWAY-IN-CAR.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Tips"},{"componentType":"paragraph","title":"Tip 1: Use a single insurer","richBody":{"value":"Combining your home and contents insurance with one provider simplifies claims and avoids confusion over coverage. It's easier to report damages and usually speeds up the claim process.
"}},{"componentType":"paragraph","title":"Tip 2: Track your expenses together","richBody":{"value":"List all monthly expenses - like rent, subscriptions, groceries, and insurance premiums - to see how much remains for savings or leisure. A joint account can help manage shared costs; decide in advance who pays which bills to avoid misunderstandings.
"}},{"componentType":"paragraph","title":"Tip 3: Download the ING App","richBody":{"value":"Manage both banking and insurance in one place with the ING App and My ING. You can review policies, report claims, and take out new insurance easily. Explore all available insurance options through ING, including Home Insurance.
"}},{"componentType":"cta","textLink":{"url":"/en/personal/insurances","text":"All about insurance via ING"}},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"/en/personal/insurances/switching-service","text":"Switching Service"},{"url":"/en/personal/insurances/file-damage-claim","text":"Report damage"},{"url":"/en/personal/insurances/amend-insurance-policy","text":"Adjust insurance"},{"url":"/en/personal/insurances/cancellation","text":"Cancel insurance"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"},{"url":"/en/personal/insurances/information-documents","text":"ING insurance information documents"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"},"textLinks":[{"url":"/en/personal/insurances/annual-travel-insurance","text":"Travel insurance"},{"url":"/en/personal/insurances/car-insurance","text":"Car insurance"},{"url":"/en/personal/insurances/home-insurance","text":"Home insurance"},{"url":"/en/personal/insurances/liability-insurance","text":"Liability insurance"},{"url":"/en/personal/insurances/legal-expenses-insurance","text":"Legal expenses insurance"},{"url":"/en/personal/insurances/student-insurance","text":"Student insurance"},{"url":"/en/personal/insurances/czdirect-health-insurance","text":"Health insurance"},{"url":"/en/personal/insurances","text":"All insurance"}]}]}}}