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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Key takeaways

  • New customers are eligible for a 15% online discount on their first year's premium.
  • ING Comprehensive provides up to $1,500 for a hire car for 21 days after theft.
  • You can tailor ING cover with optional extras like roadside assistance or choice of repairer.

Pros

  • New customers can save 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
ING logo
9.4 Excellent
ING Comprehensive
9.4 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Up to $1,500 - Up to 21 days
    • Discount: 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
    8.3 Great
    ING Third Party Fire and Theft
    8.3 Great
    Optional
  • Up to $1,500 - Up to 21 days
    • Discount: Save 15% on your first year’s premium when you buy a new ING third party fire and theft car insurance policy online. 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
    9.3 Excellent
    ING Third Party Property Damage
    9.3 Excellent
    Optional
    • Discount: Save 15% on your first year’s premium when you buy a new ING third party property damage insurance policy online. 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.
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    Finder Awards badge

    Congratulations, ING!

    ING was a big winner in the 2026 Finder Awards.

    • Highly Commended, Best Value Car Insurance: ING Comprehensive
    • Highly Commended, Best Features Car Insurance: ING Comprehensive
    • Highly Commended, Best Low Cost Car Insurance: ING Comprehensive

    Full list of 2026 car insurance winners

    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. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature 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.

    Read the full methodology

    Compare car insurance in under a minute

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    Why choose ING car insurance?

    Here are some reasons why an ING policy might be a good fit for you.

    • Flexible premiums. This allows you to adjust your costs based on your age, excess or payment frequency.
    • Claims and repair. ING manages the vehicle repair and recovery process, which includes lifetime repair guarantees, automated hazard warnings (hail alert) and 24/7 digital claim system.
    • Customisation via add-ons. The comprehensive policy can be built upon with options like roadside assistance, choice of repairer and glass excess reduction.

    How much does ING car insurance cost?

    To help give you an idea about ING car insurance costs, we gathered annual quotes across their various policy types. Just remember, prices are going to change based on things like your vehicle make, model and year, where the car is parked, driver's age, claim history and your address, so it's always worth comparing policies and getting a few quotes.

    2 of 2 results
    Updated regularly
    Comprehensive annual quote Third party fire & theft annual quote Third party property damage annual quote
    ING logo
    9.4 Excellent
    ING Comprehensive
    $1,305.87
    N/A
    N/A
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    ING logo
    9.3 Excellent
    ING Third Party Property Damage
    N/A
    N/A
    $464.14
    View details
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    Showing 2 of 2 results

    What isn't covered by an ING policy?

    To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions found in the ING car insurance product disclosure statement:

    • Unlisted drivers
    • Drivers under the selected age restriction
    • Driving under the influence of alcohol or drugs
    • Unlicensed or suspended drivers
    • Business, commercial, or ride-sharing use
    • Racing, trials, or use on a racetrack
    • Mechanical or electrical breakdown
    • Wear and tear, rust, or corrosion
    • Unsafe or unroadworthy vehicles
    • Pre-existing damage

    How to file a claim

    1. Gather required information. Before reaching out to ING, you need to collect specific details about the incident. You should have the following information on hand:
      • Policy number
      • Incident details
      • Third-party information
      • Witness information
      • Tow-truck details
      • Police information
      • Evidence
    2. Lodge the claim. You can submit the details electronically through their 24/7 online claims portal.
    3. Wait for assessment. ING states that they will provide you with an initial update on the status of your claim within two business days.

    FAQs

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    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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