Car Insurance

A complete car (non-life) insurance policy governed by Belgian legislation and developed by NN Non-Life Insurance NV, a company incorporated under Dutch law, for your private car at a competitive rate with personalised cover.

ING Car Insurance comes with the following basic cover:

• Civil liability: compensation for physical injury and material damage caused by you to third parties. This cover alone is required by law.
• Service in the event of damage (always included): assistance after an accident in Belgium.

You can extend your car insurance with various forms of optional covers:

• Legal assistance: payment of all costs involved in defending your interests, such as lawyer’s or court costs.
• Driver insurance: reimbursement of the medical expenses or loss of income if you are unable to work because you have been injured in an accident caused by you. Death is also covered.
• Premium protection after claim: assurance that your premium will not rise following an accident caused by you.
• Breakdown assistance and assistance abroad: assistance following a breakdown or accident in Belgium or abroad.
• Mini-Comprehensive: protection against damage or loss due to an unexpected event (glass breakage, theft, fire or hail, etc.).
• Comprehensive insurance: protection against damage or loss due to unexpected events (glass breakage, theft, fire or hail, etc.) but also against damage or loss to your vehicle if you are at fault.

Exclusions and limitations of the insurance policy:

• If we take over a contract from another insurer, you must supply us with a claims history certificate. If we do not receive this certificate in time, we will cancel the policy.
• ING Car Insurance does not cover vehicles for business use (irrespective of whether this is for transporting goods or people).
• In order to benefit from the agreed forms of cover, you must state the usual driver of the vehicle correctly.
• The ‘civil liability’ cover does not apply to the medical expenses of the driver liable for the accident. For this, you should take out driver insurance.
• The ‘civil liability’ cover does not apply to damage caused by yourself to the insured vehicle. For this, you should take out comprehensive insurance.

A full description of this insurance can be found in the general terms and conditions (PDF) and the information document on the insurance product (PDF). We invite you to become familiar with these documents before you subscribe.

• Individuals of at least 18 years old;
• Who have an account with ING;
• And a legal address in Belgium;
• With a car to be registered in Belgium.

• Applying for your ING Car Insurance

• You can calculate the rate for your car insurance first, both at ing.be and via Home’Bank. Interested? Sign your contract via your Home’Bank, or contact our employees on +32 2 464 65 04 (on Monday to Friday from 8am to 6pm and on Saturday from 9am to 5pm) or visit your local branch.

• Cancel your current policy with another insurer

• Apply for your ING Car Insurance straightaway and leave ING to handle your switch free of charge! (Note: this is only possible if you take out insurance with ING at least 4 months before the main renewal date with your current insurer.) Have the following information to hand:
• the name of your current insurance company
• your policy number
• the main renewal date of your current policy
• Or contact your current insurer at least three months before the main renewal date of your current policy.

• Rate: you will enjoy a personalised rate. You will find more information about the segmentation policy here.
• Term: the term of your contract will be one year. The policy will automatically be extended for a further period of one year on each annual expiry date, unless you give notice of cancellation no later than three months before the expiry date.

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

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

You will always receive written confirmation to your legal address.

Important information before you continue

• About insurance and conflicts of interest: you can read the general information on insurance (PDF) and the description of the conflict of interest policy, including the benefits, of ING Belgium’s SA/NV (PDF) and of the insurer. This information can always be consulted on www.ing.be > Charges and regulations > Information and Regulations > Insure.
• For the applicable terms and conditions, exclusions and limits please consult the general terms and conditions (PDF) and the information document on the insurance product (PDF) available at www.ing.be and from any ING branch. Please read these documents before taking out a policy.
• To calculate the rate for your car insurance, you can use the simulator at www.ing.be or in Home’Bank.
• You can make an appointment in agency to calculate the premium or receive an offer.

ING Car Insurance is offered to you, subject to acceptance, by:

• Insurance intermediary: ING Belgium SA/NV, an insurance broker registered with the FSMA under number 0403200393. Registered office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels – Brussels RPM/RPR – VAT BE 0403.200.393 – info@ing.be – www.ing.be – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
• Insurer: NN Non-Life Insurance NV, company incorporated under Dutch law, licensed to insure risks in Belgium, insurance company registered under the green card code number 1449. Registered office: Prinses Beatrixlaan 35, 2595 AK The Hague, Netherlands – Trade register number 27127537, under the supervision of De Nederlandsche Bank.
• Representative in Belgium: NN Insurance Services Belgium SA/NV, authorised among other things to settle claims in Belgium for NN Non-Life Insurance NV, insurance agent registered with the FSMA under number 0890270750. Registered office: Avenue Fonsny/Fonsnylaan 38, 1060 Brussels, Belgium – Brussels RPM/RPR – VAT BE 0890.270.750