We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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
Good for 24/7 claims service.
Good for comprehensive cover that can include replacing your brand new car if it is written off.
Good for tailored cover that lets you limit drivers covered under your policy to certain ages, saving you money.
Ready to compare policies?
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:
Comprehensive
Third Party Property, Fire & Theft
Third 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
$100 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
Debris removal
Up to $500
Up to $500
Up to $500
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:
Collect the facts: Gather all the information you have involving the accident and as much detail about what happened.
Lodge your claim: Claims can be lodged 24/7 online or you can get help doing it over the phone.
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
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
