{"type":"document","data":{"id":"159d8f8a-f228-410e-9481-ff4499f2d37d","localeString":"en-GB","publishDate":"2025-11-20T19:32:25.628+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Make a student insurance claim using the app or My ING. It's quick and easy."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/insurances/services?EW=true","text":"Make an insurance claim online"}},"coreHeader":{"body":"Studying is expensive enough as it is, and you never know when the unexpected might happen. Plus repairs may be expensive. With ING 3-in-1 student insurance, you're protected against the most common risks – it includes home contents, accident and liability cover.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/955164d1-89b3-4cb9-955d-d0b836eaa2e5/Close-up-of-four-children-with-sneakers","type":"image","width":3861,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/671063442344bf54/original/Close-up-of-four-children-with-sneakers.jpg","extension":"jpg"},"title":"Make a student insurance claim"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><strong>ING student insurance includes 3 different covers</strong></p><ul><li><p>Home contents insurance </p></li><li><p>Liability insurance </p></li><li><p>Accident insurance </p></li></ul><p><strong>Call us if you&apos;ve caused an injury to another person </strong></p><ul><li>Our phone number is 088 66 33 444 (option 4). </li><li>You should also call us if the injury was caused by a co-insured person or your pet.   </li></ul><p><strong>Other type of damage? Make a claim online</strong>  </p><ul><li>First check if the damage is covered. </li><li>If it is, get in touch with us.  </li><li>If you&apos;re unsure, you should also get in touch with us. </li><li>We&apos;ll review your claim and give you a response within 5 business days. </li></ul>"}},{"componentType":"sectionTitle","title":"See if the damage you've suffered is covered below."},{"componentType":"accordion","accordionList":[{"title":"Damaged smartphone, tablet or laptop","richBody":{"value":"<p><strong>What&apos;s covered </strong></p><p>Your device is stolen from the property. Or it&apos;s damaged due to a fire, lightning strike or a leak in the property. </p><p><strong>Your excess</strong></p><p>Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </p><p><strong>Not covered </strong></p><p>Damage caused by you, such as when you drop your phone. </p>"}},{"title":"Water damage in your property","richBody":{"value":"<p><strong>What&apos;s covered</strong></p><p>Damage caused by leakage. Think water leaks in your plumbing, washing machine or dishwasher. Or rain coming in through a broken roof. </p><ul><li>If it&apos;s urgent, you can call us 24/7 at 088 66 33 444. </li><li>Your excess amount is €45, which is deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </li><li>Please try to fix the root cause of the damage as quickly as possible to prevent any further damage. </li><li>If you rent, please contact your landlord straight away so they can fix the damage to the property. </li></ul>"}},{"title":"Damage caused by burglary","richBody":{"value":"<p><strong>What&apos;s covered by home contents insurance </strong></p><p>Stolen or damaged goods. Doors or windows must show visible signs of burglary damage. Report the burglary to the police straight away. </p><ul><li>If it&apos;s urgent, you can call us 24/7 at 088 66 33 444. </li><li>If you rent, please contact your landlord straight away so they can fix the damage to the property. </li><li>Your excess amount is €45 in case things were stolen from your cellar. This excess will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. Theft from a cellar or common area is covered up to €230.</li></ul>"}},{"title":"Theft outside the property","richBody":{"value":"<p><strong>What&apos;s covered</strong></p><p>Extortion or violent robbery. All other incidents are not covered.</p>"}},{"title":"Immediately call us if case of fire damage","richBody":{"value":"<p>Call us at 088 66 33 444. We&apos;re available 24/7. </p><p><strong>Not covered </strong></p><ul><li>Damage caused by scorching, melting or burnt-out electrical devices. </li><li>Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </li><li>If it&apos;s not urgent, please make an insurance claim online. </li></ul>"}},{"title":"Item damage caused by you","richBody":{"value":"<p><strong>Damaged your own belongings </strong></p><p>Such as accidentally sitting on your glasses. This type of damage is not covered. Please note: damage caused by your partner or children is only included if you&apos;ve selected additional family cover. </p><p><strong>Damaged a co-insured person&apos;s belongings </strong></p><p>Such as sitting on your co-insured partner&apos;s glasses. This type of damage is not covered. </p><p><strong>Damaged someone else&apos;s belongings </strong></p><p>Only covered if it was caused by accident, like when you visit a friend and knock their TV over. Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </p><p><strong>Damaged rented items</strong></p><p>This includes damage to your rental property, car or tools, among others. This type of damage is not covered. Tip: you may be able to turn to your landlord or make a claim on a different insurance policy. </p><p><strong>Damage caused by a motor vehicle </strong></p><p>Such as collision damage caused by you accidentally hitting something or someone with a car. This type of damage is not covered. Tip: your third party car insurance may cover the damage. </p><p><strong>Damage caused by your pet </strong></p><p>Such as your cat ripping your neighbour&apos;s curtains. This type of damage is covered. Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </p>"}},{"title":"Damage caused by your pet","richBody":{"value":"<p><strong>To other people&apos;s belongings or animals</strong></p><p>Such as your cat ripping your neighbour&apos;s curtains. This type of damage is covered. Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </p>"}},{"title":"Other damage caused by you","richBody":{"value":"<p>Damage that occurred during sports and games or when helping a friend. Your excess amount is €45, which will be deducted from your compensation. If you claim damages less than €45, you won&apos;t be compensated. </p>"}}]},{"componentType":"paragraph","title":"Accident insurance","richBody":{"value":"<p>If you or a co-insured person were permanently injured in an accident, please call Nationale-Nederlanden at 088 66 33 44 (select option 6).</p>"}},{"componentType":"paragraph","title":"Everything about your cover in the terms and conditions","richBody":{"value":"<p>Nationale-Nederlanden always reviews your claim based on the policy terms and conditions. Get the complete lowdown on your insurance cover.</p>"},"textLinks":[{"url":"https://assets.ing.com/m/44942adb981a6473/original/Polisvoorwaarden_ING_Studentenverzekering.pdf","text":"Polisvoorwaarden Studentenverzekering (PDF)"}]},{"componentType":"paragraph","title":"Online insurance claims","richBody":{"value":"<p>Make a claim online – it&apos;s easy.</p>"},"textLinks":[{"url":"https://mijn.ing.nl/banking/insurances/services?EW=true","text":"Make insurance claim online"}]},{"componentType":"paragraph","title":"Help & contact","richBody":{"value":"<p>Making an insurance claim online is quick and easy with the app or My ING. There, you&apos;ll also find the answer to many questions. Still having trouble? Find out how you can reach us.</p>"},"textLinks":[{"url":"/en/personal/customer-service","text":"Learn more"}]},{"componentType":"linkList","iconTitle":{"title":"Useful documents"},"textLinks":[{"url":"https://verzekeringskaarten.nl/ing/studentenverzekering-inboedel","text":"ING student home contents insurance card"},{"url":"https://verzekeringskaarten.nl/ing/ing-studentenverzekering-aansprakelijkheid","text":"ING student liability insurance card"},{"url":"https://verzekeringskaarten.nl/ing/ing-studentenverzekering-ongevallen","text":"ING student accident insurance"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"https://assets.ing.com/m/5efd6025d67dd4e4/original/Samenwerking_ING_en_Nationale_Nederlanden_tcm162-183924.pdf","text":"Dienstenwijzer Nationale-Nederlanden en ING (PDF)"},{"url":"/particulier/verzekeren/fraudebeleid","text":"Risk management and the fight against fraud"}]},{"componentType":"linkList","iconTitle":{"title":"Insurance"}}]}}}