Car Insurance FAQs

This frequently asked questions section provides useful information about ING's car insurance policies, including information about cost, quotes, claims, renewals and premiums.

How to get a quote and buy Car Insurance from ING

It's quick and easy to get a Car Insurance quote online. You will need the following details handy:

  • birth date and gender of drivers
  • vehicle details - make, model, year and fuel type
  • any security devices or accessories fitted to your car
  • any modifications you have made to your car
  • approximate number of kilometres driven each year
  • current type of car insurance

Alternatively, you can get a quote or buy car insurance by calling Customer Services for a quote on 132 062, weekdays from 8am to 8pm (Sydney time).

How long does it take to become insured?

You will be covered as soon as you buy Car Insurance. The date your car insurance cover commences will be shown on the Policy Schedule we will send you.

What if I change my mind? Do you offer a money back guarantee?

You have 21 days from the commencement date displayed on your Policy Schedule to be sure you have the right car insurance cover. If it is not the cover you require, you can cancel the insurance policy. You will receive a full refund of the premium paid, providing you have not made a claim.

How to renew your Car Insurance from ING

How can I renew my car insurance policy?

To renew your existing Car Insurance policy, we will send you a Renewal Schedule approximately six weeks before your policy is due for renewal. You will then need to follow the payment instructions on your Renewal Schedule to renew your car insurance policy.

If you pay your car insurance by the month, your insurance policy will be automatically renewed. You will need to contact us if you would like to discontinue your direct debits.

Paying your Car Insurance premium

How can I pay my car insurance premium?

You may pay your Car Insurance premium by any of the following methods:

  • Credit card
  • Direct debit from a nominated bank account

You can also choose to pay your premium in monthly instalments by direct debit from a cheque or savings account or from your credit card, at no extra cost.

Can I pay by instalment?

You can choose to pay your Car Insurance premium in monthly instalments, by direct debit from a cheque or savings account, or from your credit card.

Making a Car Insurance claim

What if I have to make a claim?

To make a claim, call Customer Services on 132 062 (24 hours a day, 7 days a week) when something happens that you believe you can claim for.

What happens if my car is involved in an accident?

When your car is damaged in an accident, we can:

  • provide you with recommended repairers ready to start work on your car as soon as possible
  • assist in arranging for your car to be towed, if your car cannot be driven.

It is important to not repair or replace any damaged property without our consent.

What happens if a claim is made against me?

Contact us as soon as possible if a claim is made against you. Car Insurance includes up to $20,000,000 liability cover for damage to other people's property as a result of an accident.

My car has been stolen or vandalised. What should I do?

  • You must advise the nearest police station if your car or any of your property has been lost, stolen, vandalised or maliciously damaged.
  • Please keep any property that has been damaged so that we can inspect it at a later date.

Car Insurance cover options

What is Comprehensive cover?

Comprehensive car insurance will cover you for:

  • loss or damage to your vehicle
  • legal liability for loss or damage to another person's property.

What is Third Party Property Damage, Fire & Theft insurance?

Third Party Property Damage, Fire & Theft cover will cover you for:

  • loss or damage to your vehicle by fire or theft
  • legal liability for loss or damage to another person's property.

What is Third Party Property Damage cover?

Third Party Property damage cover will cover you for:

  • legal liability for loss or damage to another person's property.

What is the difference between 'Agreed Value' and 'Market Value'?

Agreed Value is the fixed amount we agree to insure your vehicle for as shown on your current schedule.

Market Value is the amount of money it would cost to replace your vehicle in your local area with the same make and model at the time of a total loss. We will take into account the condition of your vehicle.

Is my trailer insured?

Insurance is provided for box trailers up to $1,000 for loss or damage whilst the trailer is attached to your vehicle. Trailer insurance cover is not available with Third Party Property Damage, Fire & Theft or Third Party Property Damage cover.

Do you offer a windscreen cover option?

Our Comprehensive cover provides you with an option to cover one broken windscreen or window, in any one year, without having to pay an excess or penalise your No Claim Bonus.

Do you offer a hire car?

If your car is stolen, we will pay, up to a maximum of $75 per day ,of hiring a replacement car until your car is recovered (up to a maximum of 14 days). For all other incidents, you can purchase the optional hire car feature. This cover is not available with Third Party Property Damage cover.

Do you offer a new car replacement?

If you choose Comprehensive cover or Third Party Property Damage, Fire and Theft cover and your car is stolen or destroyed when it is:

  • less than two years old and has not travelled more than 30,000 km,
  • greater than two years old, but less than three years old and has not travelled more than 50,000kms; and:
     - you are the original owner,
     - your vehicle was originally insured for the purchase price.
  • your vehicle was originally insured for the purchased price

We may replace your car with a new one, including the cost of registration and dealer delivery.

I have Comprehensive car insurance. What happens if I have an accident?

  • Vehicle return - We will pay up to $500 to return your car where we have authorised repairs more than 100 km from where you live.
  • Emergency repairs - We will pay up to $500 for emergency or temporary repairs so you can drive your car home after an accident. 
  • Towing - We will pay the reasonable cost for your car to be towed to the nearest repairer or place of safety after an accident.

Car Insurance premium options

What are the different ways I can adjust my Car Insurance premium?

You can get a discount on your car insurance premium if you choose either of these insurance policies:

  • Nominated driver option: Car Insurance can offer you a discount for restricting your insurance cover to 2 nominated drivers who are both 30 years of age or older.
  • Low kilometre option: Car Insurance can offer you a discount on the basis that you will not drive more than 10,000kms during the period of insurance.

What does No Claim Bonus mean?

A No Claim Bonus is a discount on the cost of insuring your car. The discount increases each year until you reach the maximum No Claim bonus, as long as no claims that reduce your No Claim Bonus are made on your insurance policy. After only five years of claim free driving, you can enjoy the benefit of a 60% discount off the standard premium if you do not make any claims.

What if I upgrade to Comprehensive cover from Third Party Property Damage cover - am I entitled to a No Claim Bonus?

If your car is insured for Third Party Property Damage, Fire & Theft or Third Party Property Damage and you wish to upgrade to Comprehensive cover, we will provide one year's No Claim Bonus entitlement for each year that you have not had a claim.

I've been driving a company car for the last few years. Will you give me a No Claim Bonus?

Yes. You will receive one year of No Claim Bonus entitlements for each year you have driven without an insurance claim. For example, if you have been driving for 5 years without a claim, you will receive the maximum 60% No Claim Bonus.

When your circumstances change

What if my contact details change or I modify my car?

If your contact details or insurance needs change when you are insured with us please call 132 062, weekdays from 8am to 8pm (Sydney time).

More about Car Insurance