ING Car Insurance

ING is a well-known multinational banking and financial services corporation that has recently started providing Australians with car insurance. With 3 options to choose from, their policies come with a range of benefits and perks – including car replacement and tailored cover – to help them stand out from the crowd.

Here is our breakdown of their policies and why they might have cover that suits you.

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Name	Product	Accidental Damage	Roadside Assistance	Fire and Theft	New car replacement	Hire Car After Theft
ING Comprehensive			Optional		Yes - If your car is written off in the first 2 years or is under 40,000 km	Yes - Up to $1,000 (Max 14 days)	Discounts: Buy online and save up to 15%.	View details	Compare	loading Fetching your data...
ING Third Party Fire and Theft			Optional			Yes - Up to $1,000 (Max 14 days)	Buy online and save up to 15%.	View details	Compare	loading Fetching your data...
ING Third Party Property Damage			Optional				Buy online and save up to 15%.	View details	Compare	loading Fetching your data...

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What cover options does ING offer?

ING offers 3 levels of car insurance cover as follows:

• Third Party Property Only: The most basic level of cover, this includes liability for up to $20 million worth of accidental damage that your car causes to other vehicles and property.
• Third Party Property, Fire & Theft: As well as the basic protection included in Third Party Property, this policy provides cover for Fire & Theft.
• Comprehensive: The best level of cover includes everything the previous policies include as well as things like new-for-old car replacement, a hire car following a no fault accident, replacement of stolen keys and more.

How do policy features compare?

Below is a table showing how these policies stack up next to each other:

What makes ING different?

• Tailored cover: ING lets you pay less on your premiums if you limit the drivers covered under your policy to specific age groups. This is helpful for those who aren't planning on having any young drivers on their policy.
• New-for-old replacement: With comprehensive cover, ING will replace your car if it is written off (provided it is 2 years old or 40,000km of original registration) with a new one. Alternatively, they will pay you the market value if a replacement can't be found in Australia.
• Repair guarantee: As long as you own your car, ING will do authorised repairs.
• 24/7 Claims service: The 24/7 online claims service aims to let you make a claim quickly and easily.
• Hail repair: ING will send you a text whenever there is a hail warning.
• Towing: If you can't safely drive your car after an accident, they will pay for the cost of towing your car .
• Hire Car: You can get a hire car for up to 14 days if your car has been stolen or is off the road due to a no fault accident .
• Online discounts: ING are regularly offering new customers discounts when they sign up to a policy online.

What won't be covered?

All insurance policies come with exclusions. The following are some of the exclusions in ING's car insurance policies. For a full list, make sure you read their PDS.

What excess will be charged?

With ING, the excess you pay will depend on a number of factors. These include:

• Where you live: Where you live will govern the minimum and maximum basic excesses that can apply to your policy.
• The car you drive: The car you drive will also dictate the excesses you can apply for.
• The age and experience of the driver: An extra excess applies to drivers under the age of 25. It will also be affected if they have held an Australian driver's licence for less than 2 years.

Making a claim

With ING, simply follow these 3 steps when making a claim:

1. Collect the facts: Gather all the information you have involving the accident and as much detail about what happened.
2. Lodge your claim: Claims can be lodged 24/7 online or you can get help doing it over the phone.
3. Receive the outcome: ING will update you within 2 business days after they receive your online claim.

When making a claim, it's important you have the following:

• Your policy number
• Details of the incident, including when and where it took place
• The names, vehicle registration, address and insurance details of the other drivers involved
• Witnesses' contact details
• Details of the tow-truck company you may have used
• If applicable, the police report number.
• Any photos of the damage to your vehicle, road and accident generally