Family insurance

Insurer: NN Non-Life Insurance SA

Protect yourself against accidental damage to third parties. Suppose you accidentally hit the wing mirror of a parked car as you cycle past or your dog gets out and causes an accident. Although no harm was intended, you are still liable. Our ING Family Insurance covers you against the financial implications of such unforeseen events.

  • Tailor made

    Whether you are single, living together or married, or have children or not, ING Family Insurance is adapted to your circumstances.

  • Quick and online

    You can take out this insurance online from start to finish. You are insured immediately after payment.

  • Attractive premium

    From 54€/year

An insurance policy for private liability cover and legal assistance for families. It is subject to Belgian law and was developed by NN Non-Life Insurance SA, a Dutch company, with attractive premiums and customised cover.

ING Family Insurance covers the costs of any material or physical damage accidentally caused to another person by you or a member of your family and for which you are liable. And it also works the other way around.

For instance, if someone damages your bicycle and refuses to pay for the repair. In this case, if you have opted for optional "Legal Protection" cover, the insurance policy will reimburse you for the cost of any legal assistance you may need.

Before taking out the product, please review the basic cover, optional cover, limitations and exclusions outlined in the General Terms and Conditions and the information document on the insurance product. You will find some examples below:

Basic cover

  • Cover for damage to a third party whenever you are at fault or negligent and for which you are liable.
  • Cover for you or your cohabiting partner due to moving to a care facility intended primarily for the elderly or elderly people with healthcare problems (such as a nursing home, staff apartment)


  • Legal assistance cover for an insured party when a third party is at fault or is negligent, causing an injury to the insured party and for which the third party causing it is liable.

Extended cover for insured claims

  • Up to €25,000 is covered for damage incurred by anyone attempting to protect you or your property. There is no excess in this case. Your civil liability as the parent of your minor children insured under this policy remains covered, regardless of the nature of their fault.

What are the main exclusions and restrictions of this insurance?

The following are not insured:

  • damage caused by an insured person in the course of a professional activity,
  • damage to property or animals in your custody,
  • personal liability for damage caused intentionally by an insured adult,
  • your contractual liability. We do not intervene, for example, for damage to equipment you borrowed from a rental company or a friend. The exception to this rule is damage you cause during a stay in a hotel or other accommodation with hotel service, even if it is for business purposes.
  • liability for which the legislation specifies an obligation to take out insurance, for example in connection with hunting or using motor vehicles, unless otherwise stated in the General Terms and Conditions.

The cover limitations are specified in the General Terms and Conditions. Here are a few examples :

  • for material damage below € 10,000, an excess of € 250, applies (not index-linked);
  • the policyholder and the people living under the same roof as the policyholder, even if they are temporarily staying elsewhere, cannot receive any compensation from the family insurance policy unless the General Terms and Conditions explicitly state this.

Any ING customer, provided they are an adult natural person residing in Belgium, regardless of whether they are single, cohabiting or married, whether or not they have children, and whether or not they have a pet. There is an ING Family Insurance for any family circumstances!

1. Calculate your premium on your ING Banking App, via, Home’Bank, by calling +32 2 464 60 04 or at your ING branch.

2. Interested? Confirm your application.

3. You will then receive all the necessary documents by post or e-mail, depending on your communication preferences.

Do you already have family insurance, but would like to switch to ING Family Insurance developed by NN Non-Life Insurance SA? We will take care of this for you free of charge! All you need to do is provide us with the following information at least three months before your current policy expires:

  • expiry date of your current policy,
  • name of your current insurance company and policy number.

ING Family Insurance is beneficial. Your civil liability and that of your family are covered for a premium that depends on your family situation:

  • family (with or without children): €60
  • single and/or senior (age 60 and above): €54

The premium for Legal Protection (optional cover) linked to ING Family Insurance also depends on your family situation:

  • family (with or without children): €34.51
  • single and/or senior (age 60 and above): €31.06

If you decide to take out Legal Protection, the amount of the premium for this optional cover will be added to the amount of the premium for the ING Family Insurance civil liability cover. You pay for your ING Family Insurance once a year by transfer or direct debit.

About the insurance policy term: the term of your ING Family Insurance is one year. Your policy is automatically renewed every year on the expiry date unless you provide notice of termination at least three months prior to the expiry date. What factors determine whether you can be insured? What exactly is covered by this insurance? What does it cost? You will find this information in our segmentation policy.

Managing your insurance policy is child's play at ING. You can choose the method that suits you best.

In most cases, policy changes can be made using the dynamic PDF forms available via Home'Bank; however, some changes will have to be made by contacting the insurer NN directly by telephone, post or e-mail.

You can also call the NN team on ING number +32 2 464 60 04 (Monday to Friday from 8 a.m. to 6 p.m.). The desired changes to your policy will be recorded immediately. In addition, you will always receive written confirmation to your legal address.

  1. Apply

    Pleased? Fill in your demand within 2 minutes.

  2. Receive

    An answer will be sent within 2 working days.