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ING Car Insurance

Australia's most recommended bank, ING, now offers car insurance. Is it right for you?

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Gary Ross Hunter

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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.

Finder's 3 favourite features
  1. Good for 24/7 claims service.
  2. Good for comprehensive cover that can include replacing your brand new car if it is written off.
  3. Good for tailored cover that lets you limit drivers covered under your policy to certain ages, saving you money.
We don't currently have this brand on our panel. But don't fret! You can head to the ING car insurance website or compare a bunch of other car insurance companies with finder.
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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:

ComprehensiveThird Party Property, Fire & TheftThird Party Property Only
Loss or damage to your vehicle
  • Yes
  • Yes
  • No
New-for-old car replacement
  • Yes for cars under 2 years and with 40,000km or less
  • No
  • No
Damage to someone else's car or other property
  • Up to $20 million
  • Up to $20 million
  • Up to $20 million
Damage caused by an uninsured driver
  • Yes
  • Up to your car's market value or $5,000
  • Up to your car's market value or $5,000
Towing
  • Yes
  • Yes
  • No
Hire car following theft
  • Yes
  • Yes
  • No
Hire car following a no fault accident
  • Yes
  • No
  • No
Replacement of stolen keys / remote
  • Yes
  • No
  • No
Damage to your caravan or trailer in a collision
  • Yes
  • No
  • No
Emergency transport and accommodation
  • $200 a day
  • No
  • No
Damage or theft of personal effects in your car
  • Up to $500
  • No
  • No
Damage or theft of child seat/baby capsule in your car
  • Up to $500
  • No
  • No
Essential repairs
  • Up to $500
  • No
  • No

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 as a result of the damage, they will pay for the cost of towing your car.
  • Hire Car: ING will arrange a hire car 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.

  • Violations of any age restrictions you have taken out.
  • Any loss, damage or liability by anyone not listed on your insurance certificate.
  • Your car was used while in an unsafe state or condition.
  • Your car was used as a ridesharing service such as Uber.
  • You were carrying other people's goods for payment.
  • Repairs that were not consented by ING.
  • Damage to your car caused by using the wrong fuel.
  • Incidents that have occurred outside Australia.
  • Legal costs incurred prior to the authorisation of a claim.
  • Any reduction in the car's value following repair.

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

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