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 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

Read the full Finder Score 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.

How do policy features compare?

ING is underwritten by Auto & General Insurance which means that its policies share many of the same benefits as Budget Direct (also underwritten by Auto & General). The comprehensive policy includes decent coverage with generous benefits limits. Comparatively, there are other car insurance providers who cover more but they also charge more.

Features

Every policy below will cover you for accidental damage, third party liability, fire and theft.

ProviderFinder scoreRoadside assistanceNew car replacementAgreed or market value
ING Logo8.1OptionalYesAgreed or Market
9.09OptionalYesAgreed or Market
youi8.5YesYesAgreed or Market
Bingle car insurance logo8.9NoOptional
Market
AAMI8.25Optional
YesAgreed or Market

Compare ING car insurance policies

Product Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
ING Comprehensive
ING logo
Finder Score
8.1 Great
Optional
  • If your car is written off in the first 2 years or is under 40,000 km
  • Up to $1,000 - Up to 14 days
    • Summary: A policy with high benefit limits included as standard with plenty of optional add-ons.

    ⭐ Current offer: Save 15% on your first year’s premium when you buy a new ING comprehensive car insurance online. T&Cs apply.

    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.
    View details
    ING Third Party Fire and Theft
    ING logo
    Finder Score
    9 Excellent
    Optional
  • Up to $1,000 - Up to 14 days
    • Summary: A decent policy with a high uninsured motorist damage benefit.

    ⭐ Current offer: 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.

    Who it might be good for: Drivers who want protection from fire, theft and uninsured motorists but not much more.
    View details
    ING Third Party Property Damage
    ING logo
    Finder Score
    8 Great
    Optional
    • Summary: A base level policy that covers damage you cause to other people’s property and not much else.

    ⭐ Current offer: 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.

    Who it might be good for: Drivers with a less valuable car who want basic coverage for damage to other people’s property.
    View details
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    What additional cover options are available?

    • 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 pick your own repairer. Otherwise, ING will dictate where your car goes for this.
    • Hire car after accident: 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.

    FAQs

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    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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