ING Car Insurance

Why consider ING Car Insurance?  

From Third Party Property Only to Comprehensive cover, ING Car Insurance offers a range of products. But if you’re looking for more, check out some of the great features they’ve got on offer: 

• Online discounts: ING offers 15% off your first year’s premium for Comprehensive and Third-Party policies purchased online. 

• Tailored cover: Tailor your cover to suit your needs. Pay less on your premiums by increasing your excess or limiting the drivers covered under your policy to certain age groups.  

• Optional benefits: ING Car Insurance offers a range of optional benefits with their Comprehensive cover, including accident car hire, reduced window-glass cover, choice of repairer and roadside assistance. 

• 24/7 claims service: Easily lodge your claim 24/7 online using your ING Car Insurance account or over the phone with ING’s dedicated claims team. 

What types of Car Insurance does ING offer?  

ING has all of your car insurance needs covered with three types of Car Insurance policies to choose from, including Third Party Property Only, Third Party Property, Fire and Theft and Comprehensive Cover.   

Third Party Property Only 

Third Party Property Only covers you in the event you accidentally cause damage to someone else’s vehicle or property with your car. And while this policy covers your liability for $20 million worth of accidental damage caused by your car to other people’s property, in most cases it won’t cover you for any damage to your own car.²ING Third Party Car Insurance – Get a Quote 

Third Party Property, Fire and Theft   

This policy provides the same level of protection as  Third Party Property Only, but it’ll also cover your car if it’s stolen or damaged by fire. ING will also cover you for towing, plus they’ll cover up to $1,000 for a hire car if your vehicle is stolen. Although, hire car cover is limited to up to 14 days.³As above

Comprehensive  

ING’s Comprehensive Car Insurance is their most popular option, and for good reason. Boasting the highest level of cover, it has all the same great benefits of the Third Party Property, Fire and Theft policy with the added bonus of covering the cost of loss or damage to your car too. 

Plus, if your brand-new car is written off within 2 years or 40,000 km (whichever comes first) of the original registration, it will be replaced with a new one or you’ll be reimbursed for the amount you paid if a replacement isn’t available in Australia.⁴ING Comprehensive Car Insurance – Why ING Car Insurance?

Benefits of insuring your car with ING 

ING is dedicated to protecting the things that are most special to you. With that in mind, there are stacks of benefits to enjoy when you take out one of ING’s Car Insurance products: 

• Uninsured Motorist Damage: ING Third Party Insurance policyholders can enjoy peace of mind knowing their car has uninsured driver cover. That means if your car is involved in a no-fault incident with an uninsured vehicle, you’ll be covered for up to $5,000 worth of damage to your car, including recovery, towing and storage costs. 

• No claims discount: Enjoy a discount on your ING Comprehensive Car Insurance premium which increases with every consecutive year (up to five years) that you don’t make an at-fault claim.⁵ING – What is a No Claims discount? 

How do excesses work with ING?   

When it comes to paying excesses with ING, the process works in much the same way as other insurers. The excess is the amount shown on your Insurance Certificate that you may have to pay towards each claim.  

If you’re involved in an at fault accident, you’ll be required to pay the excess. On the other hand, if your car is involved in a no fault accident, the excess will be waived. 

Depending on the specifics of the incident, you’ll need to pay the basic excess or one (or more!) additional excesses.⁶ING – What is a car insurance excess?  Here’s how they work: 

• Basic excess: This excess applies to all claims unless the excess has been waived. The minimum and maximum basic excesses are determined based on where you live and the car you insure. You can choose to adjust the excess amount so long as it falls within the minimum and maximum limits. This will also affect your premium, and usually increasing your excess will lower your premiums and vice versa.
• Additional excess: An additional excess may apply when the car is driven by a person who is not an excluded driver, but who:
  
  • is not listed as a driver on the Insurance Certificate and/or 
  • is under 25 years of age, and/or 
  • has not held a full or open Australian drivers licence for 2 or more years 

It’s important to note that more than one Additional Excess may apply, along with the Basic Excess. 

How do I make a claim?  

When your car has been involved in an accident, the last thing you want to deal with is a long, frustrating claims process. With ING, lodging a Car Insurance claim is easy. To submit a claim, you’ve got two options: 

1. Online: Lodge your claim online 24/7 through your insurance account.  

2. Over the phone: Call ING’s dedicated claims team on 1800 619 495 any time, day or night, to submit a Car Insurance claim. They’re on hand to guide and support you when the unexpected happens. 

ING is dedicated to ensuring your claims process is hassle-free. Simply gather all relevant information, submit your claim online or over the phone and ING will provide you with an update within 2 business days.⁷ING Third Party Car Insurance – Making a Claim

Paying your ING Car Insurance Premium  

When it comes to paying your ING Car Insurance premium, you’ve got several options to choose from. You can pay premiums annually or choose to pay in monthly or fortnightly instalments instead.

Keep in mind, if you decide to pay in instalments, the premium may be higher and processing fees will apply.  

You can pay your ING Car Insurance premium using direct debit from a nominated bank account or by credit card.  
 
If you’re keen to see a range of policies and insurers that could make finding car insurance easier for you, you can use our online comparison tool.* Otherwise, give us a call on 13 19 20 and one of our friendly team members will help you to find a car insurance policy.