Save 30% on ING Home & Contents Insurance
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Whether you are looking to cover your home, contents or both, ING offers comprehensive cover with additional features to tailor your policy closer to your needs.
This review will outline some key benefits of the policies available from ING and also cover some of the exclusions to be aware of and eligibility requirements.
ING offers three home insurance cover options to Australian homeowners. You can take out Home Insurance or Contents Insurance as standalone policies, or combine the two policies into a Home and Contents Insurance package.
ING Home Insurance provides cover for your residential building, domestic fixtures and permanent structural improvements at the insured address. It covers loss and damage caused by fire, explosions, theft and attempted theft, malicious damage, accidental glass breakage, storms and rainwater, lightning, earthquakes, impacts and the sudden escape of liquid. Removal of debris and temporary accommodation costs are also covered, while up to $20 million cover is included for your legal liability. The policy is backed by a 24/7 claims service.
ING Contents Insurance covers your household goods and personal effects against loss or damage caused by fire, explosions, theft and attempted theft, malicious damage, accidental glass breakage, storms and rainwater, lightning, earthquakes, impacts and the sudden escape of liquid. Other benefits include removal of debris, replacement of locks and open-air contents cover. In addition, $20 million of legal liability protection is also included. The policy is backed by a 24/7 claims service.
Offering all the benefits of ING Home Insurance and ING Contents Insurance listed above, this combined policy provides you with the ultimate peace of mind. It is also backed by a 24/7 claims service. You also have the option to add a sum insured safeguard to your policy, which extends your home insured sum by 25% if the nominated sum insured isn’t enough to replace or repair your home.
|Cover||Home insurance||Contents insurance||Home and contents insurance|
|Legal liability cover|
|Theft or attempted theft|
|Malicious damage, vandalism, riot or civil commotion|
|Accidental breakage of glass, ceramic and sanitary fixtures|
|Storm or rainwater damage|
|Escape of liquid|
|Lump sum or instalment payments|
|Debris removal and extra costs of rebuilding|
|Mortgage discharge costs|
|Replacement of locks|
|Open air contents cover|
|Credit card cover|
|Uninsured guests' content cover|
|Unattached equipment cover|
|Home sum insured safeguard|
Before taking out ING Home Insurance or purchasing cover from any other insurer, it’s essential that you’re aware of the situations where no cover is available. Your ING Home Insurance claim will not be paid for the following reasons:
The excess is the amount you must contribute towards the cost of any claim you make on your ING Home Insurance policy. You’ll need to pay an excess for each incident that results in loss or damage to your home or contents. The following excesses may apply:
ING Home and Contents Insurance provides cover for homes and personal belongings located in Australia. You will also need to satisfy the following specific terms and conditions to ensure that your policy continues to provide cover:
If you suffer loss or damage to your home or contents, or if any event occurs that may lead to a claim, it’s vital that you take all reasonable steps to prevent or minimise any further loss, damage or liability. You should also report any theft or malicious damage to the police as soon as possible, and contact ING immediately to make a claim.
Claims can be lodged 24/7 online through the ING Home Insurance website, or you can contact the insurer by phone 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.
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