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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.
Sorry! We currently don't have this brand on our panel. But don't fret, you can head to the ING home insurance website or compare a bunch of other home insurance companies with Finder.
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
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
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
Exclusions
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 2020 and June 2021. 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 2 complaints, 1 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.
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
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.
Frequently asked questions
Claims can be lodged 24/7 online through the ING Home Insurance website, or you can contact the insurer by phone on 133 464 if you need help lodging your claim. Once you have supplied full details of your claim as well as any documentation or supporting evidence the insurer requests, you'll be advised of the outcome of your claim within 10 business days.
To be eligible, you need to be at least 16 years of age and have an Australian mailing address (or plan to get one in the next 30 days) and reside or own property in Australia. Policies are generally not suitable for:
People with homes in the Northern Territory or above the Tropic of Capricorn (not including the Greater Rockhampton area)
Hotels and similar multi-occupancy dwellings
Caravans, cars, trailers or mobile homes
Homes that have asbestos roofs
Homes that are under construction and not at lock-up stage
Anyone who has been convicted of arson or fraud
Yes, ING comes with a 21-day cooling-off period. Provided you have not made a claim, you can cancel your policy within the first 21 days and receive a full refund.
Auto & General Insurance Company Limited underwrites ING Home and Contents Insurance. It also underwrites policies for Budget Direct, Qantas and Virgin.
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.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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