ING Car Insurance

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Updated 20/12/2023
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Updated 20/12/2023

What changed?

New page published 20 December 2023
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

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Why consider ING Car Insurance?
What types of Car Insurance does ING offer?
Benefits of insuring your car with ING
How do excesses work with ING?
How do I make a claim?
Paying your ING Car Insurance Premium

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.  
  1. 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.

Please click here to see the full T&C’s for ING Car Insurance.

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iSelect does not compare all car insurers or policies in the market. The availability of policies may change from time to time. Not all policies available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. Some policies are available only from iSelect’s call centre or website. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.

iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.

ING Car Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer (Insurer). It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd (ING). ING Roadside Assistance is a product issued by AGS. ING promotes this product under an arrangement with AGS. 

ING will receive a commission from AGS for each policy purchased (which is a percentage of the premium). For further details see the Financial Services Guide. 

ING Insurance policies and ING Roadside Assistance products do not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or any of its related bodies corporate. 

ING Car Insurance and ING Roadside Assistance are only available for approved applicants and subject to ING’s Customer Eligibility and Name-Screening Assessment. With ING Car Insurance, AGS’ underwriting criteria applies and car details are checked against information available on Red Book. 

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Conditions, limits/sub-limits, waiting periods, exclusions and excesses apply. Read the relevant Product Disclosure Statements, Target Market Determination, Premium, Excess and Discount Guide (PED), Roadside Assistance Terms and Conditions (service provided by AGS), Financial Services Guide and the ING Customer Eligibility and Name-Screening document available at ing.com.au, and consider if any product is right for you before deciding to purchase or continue to hold the product(s). 

The price quoted is at the insurer’s sole and unrestricted discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. Discounts are applied by the insurer. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn’t reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory charges. 

DISCOUNTS: Discount applies to the first year’s premium paid for an ING Car Insurance policy purchased online for approved applicants only. Discounts do not apply to any renewal offer of insurance. Discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted. All rights are reserved to change the offer without notice. The discount applies accordingly: 

ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies.