ING Car Insurance review

ING car insurance includes decent coverage with generous benefit limits. New customers also have the opportunity to save on their premium.

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Peta Taylor

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Finder Score for car insurance

We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.

Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

Read the full methodology

Our verdict

Pros

  • New customers can save big time with the 15% online discount. T&Cs apply.
  • It includes generous cover limits for a hire car after theft, key replacement and more.
  • There are plenty of optional extras to add further coverage to your car.

Cons

  • You may be able to get a cheaper policy elsewhere. Although it may not cover as much as ING does.
  • ING covers personal effects for up to $500, but other providers like Youi will cover you for up to $750.

Compare ING car insurance policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
Finder Score
9.2 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Up to $1,000 - Up to 14 days
    • Save 15% on your first year’s premium when you buy a new ING comprehensive car insurance online. T&Cs apply.
    Summary: A policy with high benefit limits included as standard with plenty of optional add-ons.

    Who it might be good for: Drivers who like the ability to tailor their cover with lots of optional extras like windscreen damage and roadside assistance.
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    ING logo
    Finder Score
    9 Excellent
    ING Third Party Fire and Theft
    Finder Score
    9 Excellent
    Optional
  • Up to $1,000 - Up to 14 days
    • Save 15% on your first year’s premium when you buy a new ING third party fire and theft car insurance policy. T&Cs apply.
    Summary: A decent policy with a high uninsured motorist damage benefit.

    Who it might be good for: Drivers who want protection from fire, theft and uninsured motorists but not much more.
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    ING logo
    Finder Score
    9.8 Excellent
    ING Third Party Property Damage
    Finder Score
    9.8 Excellent
    Optional
    • Save 15% on your first year’s premium when you buy a new ING third party fire and theft car insurance policy. T&Cs apply.
    Summary: A base level policy that covers damage you cause to other people’s property and not much else.

    Who it might be good for: Drivers with a less valuable car who want basic coverage for damage to other people’s property.
    More info
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    15% online discount on car insurance

    Receive 15% off car insurance when you purchase cover online. T&Cs apply.

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    What additional cover options are available with ING Comprehensive Car Insurance?

    • Roadside assistance: You can add roadside assistance to your policy to be covered for breakdown help when out and about.
    • Choice of repairer: If your car needs repairs then this option allows you to nominate your preferred repairer. Otherwise, ING will choose where your car goes to be fixed.
    • Accident hire car: This refers to a hire car after an accident in which you were at fault. A hire car after an accident that you weren't at fault for is already included in your policy by default. This optional extra ensures you have coverage in the event you are the at-fault driver.
    • Reduced window glass excess: Lowers the excess payable for claims involving accidental damage to the windows of your vehicle.

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    Peta Taylor's headshot
    Written by

    Publisher of Insurance

    Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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