Very Wide-Ranging Car Insurance

Car accident or breakdown? ING Assistance is always there for you and your family, both in Belgium and abroad.

Advantages

• Home breakdown service: with no kilometre threshold, ING Assistance also acts if you break down or have an accident right in front of your house.
• Replacement vehicle: ING Assistance gives you a replacement vehicle until yours is repaired or found, if it was stolen, even abroad.
• Europe-wide protection: you benefit from very wide-ranging cover for you and your family both in Belgium and throughout Europe.
• Wide-ranging cover: both people and vehicle cover. Example: breakdown on the way to your holiday destination? We will ensure you get to your destination.
• Immediate help and advice: in Belgium and abroad, benefit from a network of professionals for your car, home and people. The advisers at ING Assist'Line are at your disposal 24 hours a day, 365 days a year on + 32 2 550 06 00.

Are you interested in ING Assistance?

• Make an appointment now at an ING branch of your choice.
• Subscribe a policy right away using Home'Bank.
• Consult the General Terms and Conditions (pdf) and the Frequently Asked Questions.

Make an appointment

What is ING Assistance?

The best possible insurance cover for you, your family, your vehicle, your home and even your pet. In Belgium and Europe (except for countries at war).

Who is it for?

Any individual with an ING Current account whose residence is located in Belgium, the Grand Duchy of Luxembourg or within 25 kilometres of the border of these countries. The policyholder must live usually in Belgium (at least 180 days per year) or in one of the above-mentioned countries (again, at least 180 days per year).

The beneficiaries are:

• the policyholder.
• all persons residing at the same address as the policyholder.
• single children who after their parents' divorce live elsewhere in Belgium but who come to visit the insured person are also covered by ING Assistance to the extent they are dependent on the insured or divorced partner for tax purposes.
• other persons (residing in Belgium) transported freely in the insured vehicle (only in the event of a road traffic accident, mechanical breakdown or theft of the insured vehicle).

In practice

• either at the latest on the day following the printout of the specific conditions.
• or on the initial agreed date.

In Belgium and abroad, benefit from a network of professionals for your car, home and people. The advisers at ING Assist'Line are at your disposal 24 hours a day, 365 days a year on +32 2 550 06 00.

ING Assistance basic cover:

Additionnal options

• Additional vehicles: allows you to insure your other vehicles for only 50 euros a year per vehicle.
• Medical expenses 1,000,000 euros: increases the threshold for repayment of your medical expenses to 1,000,000 euros!
• Additional months: extends your standard cover abroad (90 consecutive days) by one month.

Premium

• Basic cover

• 180 euros per year for your whole family.

• Extra options

• Additional vehicles: 50 euros per year per vehicle.
• Medical expenses 1,000,000 euros: 50 euros per month of additional extension.
• Additional months: 40 euros per additional month.

Term

Annual policy renewed tacitly each year.

Are you interested in ING Assistance?

• Make an appointment now at an ING branch of your choice.
• Subscribe a policy right away using Home'Bank.
• Consult the General Terms and Conditions (pdf) and the Frequently Asked Questions.

Make an appointment

How do I subscribe ING Assistance?

• If you have Home'Bank: you can subscribe ING Assistance 24 hours a day, seven days a week via Home'Bank. Very practical before setting off on holiday.
• If you are not yet an ING customer: make an appointment now at an ING branch of your choice.

What to do in the event of an accident?

In Belgium and abroad, benefit from a network of professionals for your car, home and people. The advisers at ING Assist'Line are at your disposal 24 hours a day, 365 days a year on + 32 2 550 06 00.

Which vehicles does ING Assistance cover?

Its registration number must appear in the specific terms and conditions. The following vehicles can be covered by ING Assistance, provided that their maximum authorised weight is less than 3.5 tonnes and that their length does not exceed six metres:

• motorcycle
• car
• vehicles designed for the transport of both passengers and goods
• off-road vehicles
• motor-homes
• minibuses
• towed caravans
• towed camping-cars and
• towed trailers.

For further details on the other vehicles covered (replacement vehicles, caravans/camping-cars, vehicles with foreign licence plates and so on), consult our General Terms and Conditions (pdf).

To insure another supplementary vehicle, how much should I pay?

For just 50 euros per vehicle per year, the additional vehicle option allows you to insure up to nine additional vehicles corresponding to the same conditions as mentioned above.

What does ING Assistance do if the vehicle is forced to remain off the road after a breakdown or accident?

ING Assistance takes care of:

• sending a repairman to the location.
• towing the vehicle to your garage.
• the costs related to this work, except the repair costs, which remain payable by you.
• the fitting of a spare wheel on the spot or a tow to the closest garage. However, ING Assistance does not take charge of these costs if you do not have a spare wheel in good condition or original repair kit.
• the costs of sending parts that cannot be found abroad but are needed for the repair and smooth functioning of your vehicle, the organisation of this shipment and any related expenses. The cost of the parts themselves remains payable by the insured person.

ING Assistance sends a service provider so you can reach the closest service station. You pay the ensuing fuel cost.

ING Assistance gets to the spot to open the doors.

You can call ING Assistance in the following circumstances:

• if you have a copy of the keys at home: ING Assistance organises and takes care of the costs of a taxi (return trip) to your home, up to 65 euros.
• if you do not own a copy of the keys or cannot reach home: ING Assistance informs you of the steps to take with the car manufacturer to obtain a copy of your keys.

What to do if your vehicle is stolen?

Call ING Assist’Line on +32 2 550 06 00: call ING Assist'Line to agree practical terms and conditions regarding your Assistance. Then send the acknowledgement of the claim submission to ING Assistance by fax to + 32 2 738 94 82 or by post to ING Claims – Internal mail 472 – Cours St Michel/Sint-Michiels Warande, 70 – B-1040 Brussels.

Declare the theft immediately to the police or the local constabulary: that is, within 24 hours of when the vehicle is stolen or you notice it is stolen.

• Transport of the stranded insured persons to their destination or to the vehicle if it is found.
• Recovery of the vehicle if it is found.
• Repatriation of the vehicle if it is no longer roadworthy;
• If needed, the cost of a night at a hotel abroad up to the amount of 65 euros.

• the vehicle was stolen in Belgium:
• ING Assistance will provide you with a replacement vehicle until yours is found (at most 30 days).
• If the vehicle is found within these 30 days AND has to be repaired, the period will be extended by the time needed for the repair (for a maximum period of another 30 days).
• the vehicle is stolen abroad:
• ING Assistance will provide you with a replacement vehicle until yours is found (at most 5 days).
• If the vehicle is found within these 5 days AND has to be repaired, the period will be extended by the time needed for the repair (for a maximum period of another 5 days).

Does ING Assistance take care of repatriating the vehicles?

Absolutely, if:

• your vehicle is unusable due to an accident or a mechanical breakdown or proves unusable if found after it is stolen.
• you are in Belgium and it cannot be repaired immediately.
• you are abroad and your vehicle cannot be repaired within a period of five business days.

You have two options: have the vehicle repaired on the spot ... or not.

If you decide to have the insured vehicle repaired on the spot but you cannot wait for the repairs, ING Assistance takes care of:

• the organisation and costs of transferring the vehicle to your home after it is repaired.
• or a train or plane ticket so you can go and collect your vehicle once it is repaired.
• if need be, ING Assistance will pay for a night in a hotel up to the amount of 65 euros.

If you do not want to have your vehicle repaired on the spot or if a such a repair looks impossible, ING Assistance takes care of:

• organising the repatriation of the vehicle to the garage of your choice.
• the expenses relating to this repatriation.
• the costs of your vehicle's security from the day it is off-roaded until the day it is repatriated.

The costs paid by ING Assistance cannot exceed the residual value of the vehicle on the day of the call (reference: Eurotaxe).

ING Assistance organises and pays for the transfer of the vehicle to your home or provides you with a train or plane ticket to collect your repaired vehicle.