Question 1

How to take out ING Property Insurance?

Accepted Answer

You can take out our insurance immediately online via our website www.ing.be, our app or via Home'Bank . Still have questions? Our staff will be happy to help you. Call them on +32 2 464 60 04 (Monday to Friday, 8am to 6pm) or visit one of our branches.

Question 2

I am already insured elsewhere. How should I proceed?

Accepted Answer

Apply for your ING Home Insurance right away and indicate in the application process that you wish to have your switch arranged by ING.

Since 1 October 2024, a new law applies to contracts started or renewed after that date. You can find more information here.

For contracts signed or renewed before 1 October 2024, the old law of three months’ notice until the next renewal applies.

Question 3

How can I change the policy of my ING Home Insurance?

Accepted Answer

At ING, you can easily manage your insurance policy yourself:

Contracts starting after 2021:

Open your ING Banking app or log on to Home’Bank and select your insurance in the Overview. Then go to 'Change your contract' at the top of the contract page

Contracts starting before 2021:

Email your change request to homefamily@nn.be and mention your policy number in the subject
Or call the ING Assist'Line on +32 2 725 15 00, available 24/7

Question 4

How do I make a claim?

Accepted Answer

Incurred damage to your home or contents? We’re here to help, 24/7! Simply follow the instructions on our "report a claim" page.

Question 5

Do I need to install smoke detectors?

Accepted Answer

Smoke detectors are required by law in every home in Flanders and Wallonia. In Brussels, you’re only required to install smoke detectors in rented accommodation.

Question 6

Can I spread my premium payments?

Accepted Answer

Most certainly! At ING, you can pay your premium in one go every year or bit by bit each month. It’s up to you. And whatever you choose, the amount of your premium stays the same.

Question 7

Am I covered if I rent out my home via the internet?

Accepted Answer

You can rent out your house or apartment via a third-party website like Airbnb or home exchange for up to 2 months per year. As long as you don’t go over that maximum, you’ll still have the same cover, including your optional theft cover, if you’ve taken it out.

Question 8

What value should I put for my furniture?

Accepted Answer

Make sure you choose an amount that would cover the cost of replacing all the contents of your home. Feel free to use our handy checklist to help you get started.

Question 9

Why choose the legal assistance option?

Accepted Answer

Taking out the optional legal protection cover can often be a good idea. Imagine your neighbours are renovating their home and cause a crack in your wall. If they refuse to accept responsibility, you can call on your insurance to get legal assistance to claim back the damages.

Question 10

I’m moving house. What do I need to do?

Accepted Answer

Simply follow the tips on our special moving checklist for a hassle-free move.

Question 11

Your home is located in an area with an increased risk of natural disasters?

Accepted Answer

In case your home is located in an area with an increased risk of natural disasters, the damage due to natural disasters is insured in accordance with the conditions and tariff of the Tariferingsbureau Natuurrampen. This means that, only for damage caused by natural disasters, deviating conditions apply with other guarantees, limits, premiums and deductible. This is stated in the General Terms and Conditions with the name General Terms and conditions addendum Pricing Office (PDF). Commercial discounts are never valid for the Natural Disasters cover.