ING 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:

• Professional use.
• In order to benefit from the agreed forms of cover, you must state the usual driver of the vehicle correctly.
• Medical expenses are only covered by driver insurance.
• Damage caused by you is only covered by 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). Please read these documents before taking out a policy.

• 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.

• 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.

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.
• 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