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ING Home Insurance review

An ING home insurance policy is good if you want flexibility to add more and a big discount that only a small number of other insurers offer.

4.0 ★★★★★ (15 reviews) Write a review

Our verdict

  • You get 30% off on your first year's premium – only a small number of insurers such as Virgin and Budget Direct also offer this.
  • It's good for flexibility – you can increase your excess to a level you want to reduce your premium.
  • You'll need to pay more if you want the sum insured safeguard. This is a type of protection that helps you avoid underinsurance.
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Congratulations, ING!

ING received the following highly commended awards in the 2023 Customer Satisfaction Awards:

  • 'Home Insurance - NSW'
  • 'Home Insurance - WA'
Full list of 2023 winners

What does ING home insurance cover?

You can get 3 different policy options with ING: home insurance, contents insurance and a combined home and contents insurance policy. ING also offers landlord insurance.

Some main events covered by an ING home and contents insurance policy include the following:

ING home insurance is issued by Auto & General Insurance Company, which also underwrites policies for Budget Direct and Virgin. It lets you choose your own excess and has a cooling-off period of 21 days, which is similar to most other insurers in Australia.

Here's the run-down of an ING home insurance policy

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Standard features

These are some of the standard features that you can claim on if an insured event causes damage or loss.

  • Replacement of locks
  • Open air contents cover
  • Temporary accommodation costs
  • Uninsured contents belonging to guests
  • Contents when you are moving address
  • Mortgage discharge costs
  • Legal liability cover

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Optional add-ons

ING home insurance offers lots of optional extras compared to other providers so you can customise your policy to your needs. However, you'll have to pay a little more for cover.

  • Motor burnout cover
  • Unspecified personal effects
  • Specified personal effects
  • Commercial storage
  • Flood
  • Accidental damage
  • Sum insured safeguard

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All home insurance policies will have general exclusions. Here are a few exclusions from ING. For the full list, head to the Product Disclosure Statement (PDS).

  • Floods (unless you get the optional add-on)
  • High tides (or any other action of the sea)
  • Wear and tear
  • Tree lopping
  • Loss or damage caused by insects, birds, vermin or rodents
  • Underground water seepage or pressure
  • Structural faults, design faults or faulty workmanship
  • Illegal acts or omissions

This isn't a full list of ING's exclusions so make sure you read the PDS for a more detailed breakdown. You can also head to general exclusions for more information.

Here are some information on ING home insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how ING (Auto & General Insurance Company Limited) did:

  • Auto & General had almost no complaints, which suggest customers are happy with the product and service.
  • It did receive 21 complaints, 12 of which had to be escalated by the AFCA.

The bottom line about ING

ING home insurance is issued by one of Australia's most popular insurers: Auto & General. It comes with a market-leading discount matched only by insurers such as Budget Direct (whose policies are also issued by Auto & General) and it appears to provide good customer service. If you want a more comprehensive policy that automatically includes a sum insured safeguard or other benefits like flood cover, you may want to look elsewhere.

Not sure if ING is right for you? You can compare other home insurance brands side-by-side to make sure.

Why you can trust Finder's home insurance experts


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Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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Leave an ING home insurance review

If you've held, or currently hold, an ING home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if ING is right for them. Some reviews are from a survey commissioned by Finder.

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