{"type":"document","data":{"id":"dca30345-8085-4b4a-937a-b14fec5268cc","localeString":"en-GB","publishDate":"2026-04-03T14:11:38.931+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"On this page, we clearly explain how your insurance is renewed. The process applies to all non-life insurance policies."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"On this page, we clearly explain how your insurance is renewed. The process applies to all non-life insurance policies.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/b6c2b4a1-3da6-4e8d-91d1-1442defa86cf/A-woman-using-wireless-earphones-works-from-home-with-her-laptop-while-sitting-on-the-couch","type":"image","width":1920,"original":"https://assets.ing.com/m/6803d9ff59ec5683/original/A-woman-using-wireless-earphones-works-from-home-with-her-laptop-while-sitting-on-the-couch.jpg","extension":"jpg"},"title":"Renewing your insurance","subtitle":"How does renewal work?"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Policy term"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>You take out your insurance for one year. Within that year, your premium and terms will not change. After this year, your insurance will be extended by one year. The insurer may adjust the premium and/or the conditions in the event of this extension. This right is described in the policy conditions. The insurer adheres to the agreements laid down in the policy conditions, to the rules of the law and to the self-regulation of the Association of Insurers.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Adjustments"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If the insurer adjusts your insurance, you will always be informed about this at least 30 days before the renewal date. The insurer or ING will tell you which adjustments have been made and when. Do you agree with the adjustments? Then you don&apos;t have to do anything. The insurance is automatically extended by one year on the renewal date with the amended premium and/or conditions. Do you disagree with the adjustments? Then you can stop the insurance as of the renewal date.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Renewal letter"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>The insurer or ING will tell you in the renewal letter why the insurer is adjusting the insurance. This may include, for example:</span></span></span></p><ul><li><span><span><span><span>if the premia incomes are no longer sufficient to pay damages or to make the insurance sufficient for profit;</span></span></span></span></li><li><span><span><span><span>if the insurer changes the insurance and/or the way of calculating premium;</span></span></span></span></li><li><span><span><span><span>in the event of changes in law and regulations or economic and/or social developments.</span></span></span></span></li><li><span><span><span><span>because of your damage history (depends on whether you have claimed damage in recent years, how often and how high the damage amount was);</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Premium adjustments"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>The insurer can adjust the premium when renewing your insurance. We deposit below on the basis of which variables the insurer can adjust the premium, for example:</span></span></span></p><ul><li><span><span><span><span>The insurer increases or decreases premia of all insurances belonging to the same type of insurance. For example: the premium for all Accident insurances is lowered, because fewer damages have been reported than previously calculated. Or the premium of all Car insurances is increased, because car parts are becoming more expensive and more damage is reported than previously estimated.  </span></span></span></span></li><li><span><span><span><span>The insurer adjusts the premia for specific customer groups based on risk variables. With these risk variables, the insurer calculates out the risk of damage. These can be variables such as family composition, age and place of residence.</span></span></span></span></li><li><span><span><span><span>The insurer adjusts the premia for specific customer groups by keeping account with market information (such as the premium that other insurers request) and claims history for these specific groups.</span></span></span></span></li></ul><p><span><span><span>Combinations of these are also possible.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Policy conditions"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Adjustment of the terms may include:</span></span></span></p><ul><li><span><span><span><span>Extending the cover by, for example, increasing maximum insured amounts or adding new insured events</span></span></span></span></li><li><span><span><span><span>Reducing cover by adding an excess</span></span></span></span></li></ul><p><span><span><span>Combinations of these are also possible.</span></span></span></p>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & 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://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/7591eab68e2a69c2/original/Voorwaarden-ING-Kortlopende-Reisverzekering-Versie-UIKR-01.pdf","text":"Polisvoorwaarden Reisverzekering (PDF)"},{"url":"https://assets.ing.com/m/3bf932b9e6fab0f1/original/Polisvoorwaarden-Rechtsbijstandverzekering-V3-3273-40_1910.pdf","text":"Polisvoorwaarden Rechtsbijstandsverzekering (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"}}]}}}