Owned by the ING Group, ING started operating in Australia in 1999 and changed the way Australians bank with their high interest online savings account. They’ve since become one of the country’s largest banks with over two million customers, offering a range of insurance products as well as financial services like banking, loans and credit cards.
ING car insurance is underwritten by Auto & General Insurance Company.
The standard inclusions for ING’s Comprehensive Car Insurance policy are outlined in the table below. For more specific information on what you are and aren’t covered for, as well as limits, sub-limits and other terms and conditions, make sure you read ING’s Product Disclosure Statement (PDS).
| What’s usually included? | Comprehensive |
| Accidental damage to your car | ✔ |
| Theft of your vehicle and damage from attempted theft | ✔ |
| Accidental damage to other cars and property | Up to $20 million |
| New-for-old replacement | 2 years/40,000 km |
| Towing | ✔ |
| Hire car after theft | $1,000 (limit 14 days) |
| Hire car after no-fault accident | ✔ |
| Stolen keys/remote replacement | $1,000 |
| Caravan or trail damage | $1,000 |
| Emergency transport and accommodation | $200 a day ($1,000 in total) |
| Damage to or theft of personal effects | $500 |
| Damage to child seats and baby capsules | $500 |
| Roadside assistance | Optional |
| Accident car hire | Optional |
| Reduced window-glass excess | Optional |
| Choice of repairer | Optional |
| Information obtained from the ING PDS for Comprehensive Car Insurance on 30 August 2024. The features of this policy are subject to change from time to time. You should always review the PDS before buying. | |
It’s also important to understand what you’re not covered for. Below are examples of some standard exclusions in ING’s comprehensive cover:
The above is not a complete list, so be sure to read the PDS for a full list and details of the policy’s exclusions. You should also read the Target Market Determination (TMD), which outlines who the product is or isn’t suitable for, to determine whether it’s the right policy for you.
Some reasons why you might consider purchasing ING car insurance include:
You can pay for your ING car insurance fortnightly, monthly or annually by direct debit or credit card. Keep in mind that fortnightly and monthly payment options incur an instalment processing fee and a premium loading, so you may be able to save on these if you pay your premiums annually.
ING car insurance can cover drivers under 25, subject to underwriting criteria and driving history.
After you’ve collected as much information as possible from the incident, you can start your claim online or by calling the claims team. Things that might help with processing your claim include:
Every policy has a basic excess and the amount you pay will depend on how much you nominate when you purchase your policy. For example, if you agree to a basic excess of $900, that’s how much you may have to pay when making a claim. The excess amount you choose may impact your premiums.
Under some circumstances, you may also need to pay additional excesses. These may apply if the car is driven by a person who is not an excluded driver but who:
Read ING’s car insurance PDS for more information about excesses.
You can cancel your ING car insurance policy at any time over the phone. If you cancel your policy within 21 days after purchase or renewal and no claim is made, you can receive a full refund. Cancelling outside this cooling-off period may incur an early cancellation fee, but you should still receive a refund on the unused premiums you’ve paid.
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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 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.
Conditions, limits/sub-limits, waiting periods, exclusions and excesses apply
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 Car Insurance policies.
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