{"type":"document","data":{"id":"44cf9064-f45a-47d3-aae2-719f6385e773","localeString":"en-GB","publishDate":"2026-04-03T14:21:59.540+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"See what each insurance covers, and what isn't included. This will help you decide whether to claim. Learn more here."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Your insurance policy states what is and is not insured. We give you a simple explanation of what is and what is not insured. In your policy conditions you can also find what is or is not insured. You can find these in your policy details in My ING and the App.  This way your straight away knows whether you can submit your damage!","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/753ab8bb-c3e7-46ab-bc90-1cdae3982635/About_Homepage","type":"image","width":1920,"altTextFR":"visual of homepage about","altTextDE":"visual of homepage about","original":"https://assets.ing.com/m/621b0342b83df076/original/About_Homepage.jpg","extension":"jpg"},"title":"Is my damage insured?"},"backLink":{"textLink":{"url":"/en/personal/insurances","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Travel and cancellation insurance","intro":"Check if your damage is covered by ING travel or cancellation insurance. If it is, go ahead and make an online claim.","body":">Check and make an online claim","image":{"transformBaseUrl":"https://assets.ing.com/transform/d4259efa-d435-40d9-ae32-5645dfee5ab8/Close-up-of-beach-chairs-and-personal-bags","type":"image","width":6000,"original":"https://assets.ing.com/m/72a2a4b13d2913a9/original/Close-up-of-beach-chairs-and-personal-bags.jpg","extension":"jpg"},"link":{"url":"/en/personal/insurances/travel-insurance/make-insurance-claim"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Home Contents and Building Insurance","intro":"Check if your damage is insured under the ING Home Contents or Building Insurance. If it is, go ahead and make an online claim.","body":">Check and make an online claim","image":{"transformBaseUrl":"https://assets.ing.com/transform/2309c0aa-9151-4b3f-a615-e18e8bfa910d/A-happy-family-relaxing","type":"image","width":4239,"original":"https://assets.ing.com/asset/2309c0aa-9151-4b3f-a615-e18e8bfa910d/A-happy-family-relaxing.JPG","extension":"jpg"},"link":{"url":"/particulier/verzekeren/woonverzekering/schade-melden"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Liability insurance","intro":"Check if your damage is covered by ING liability insurance. If it is, go ahead and make an online claim.","body":">Check and make an online claim","image":{"transformBaseUrl":"https://assets.ing.com/transform/3c25b692-9809-4691-a60a-11932c63dcf2/Young-girl-on-an-indoor-swing-in-a-modern-minimalist-home","type":"image","width":4405,"altTextNL":"\"\"","original":"https://assets.ing.com/m/77cf50c1f84a9526/original/Young-girl-on-an-indoor-swing-in-a-modern-minimalist-home.jpg","extension":"jpg"},"link":{"url":"/particulier/verzekeren/aansprakelijkheidsverzekering/schade-melden-aansprakelijkheidsverzekering"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Student insurance","intro":"Check if your damage is covered by ING student insurance. If it is, go ahead and make an online claim","body":">Check and make an online claim","image":{"transformBaseUrl":"https://assets.ing.com/transform/7959bf96-1f8f-416d-b084-6f4d3437a4c7/auditorium","type":"image","width":814,"original":"https://assets.ing.com/m/50db30bb3a4814bb/original/auditorium.jpg","extension":"jpg"},"link":{"url":"/particulier/verzekeren/studentenverzekering/schade-melden"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Car insurance","intro":"Check if your damage is covered by ING car insurance. If it is, go ahead and make an online claim.","body":">Check and make an online claim","image":{"transformBaseUrl":"https://assets.ing.com/transform/39005315-b10e-44db-94cb-cbbae3f9bf1c/ing-business-loan-car-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6f3fc81aeb81b134/original/ing-business-loan-car-1920.jpg","extension":"jpg"},"link":{"url":"/en/personal/insurances/car-insurance/make-car-insurance-claim"}}]},{"componentType":"paragraph","title":"Legal expenses insurance","richBody":{"value":"<p>Need immediate legal assistance? Call DAS Rechtsbijstand at <a href=\"tel: +31206518815\">020 651 88 15</a>. They&apos;re happy to help from Monday till Friday, from 08:30 to 17:30. </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 <a href=\"tel:+31886633444\">088 66 33 444</a> (select option 6). </p>"}},{"componentType":"sectionTitle","title":"Consequences of fraud"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Abuse of insurances has negative consequences for both the insurer and the customer. Unfortunately, every customer contributes to the cost of fraud. The insurers and we therefore do everything we can to detect and prevent fraud.</span></span></span></p>"},"textLinks":[{"url":"/particulier/verzekeren/fraudebeleid","text":"Learn  more"}]},{"componentType":"linkList","iconTitle":{"title":"The latest"},"textLinks":[{"url":"/particulier/verzekeren/reisverzekering/bosbrand","text":"Frequently asked questions about forest fires"},{"url":"/particulier/verzekeren/reisverzekering/noodweer","text":"Frequently asked questions about extreme weather conditions in Southern Europe"}]}]}}}