Home and Contents Insurance
ING Home and Contents Insurance is issued by Auto & General Insurance Company
Ltd ABN 42 111 586 353 AFSL 285571 as insurer. It is distributed by Auto & General Services Pty
Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as
Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Ltd
(ING). An ING Insurance policy issued does not represent a deposit with or liability of, and is
not guaranteed or otherwise supported by, ING or its related bodies corporate. ING will receive
a commission from AGS for each policy purchased which is a percentage of the base premium. For
further details see the Financial
Services Guide.
ING Home & Contents Insurance is subject to AGS' underwriting and ING’s
Customer Eligibility and Name-Screening Assessment. Home & Contents Insurance is not
available in NT, North QLD or Northern WA.
This is general information only, and does not take into account your
particular objectives, financial situation and needs and you should consider whether it is
appropriate for you having regard to these factors before acting on it. Read the relevant
Product Disclosure Statement, Target Market Determination, Key Fact Sheets, Financial Services
Guide and the ING Customer Eligibility and Name-Screening document available at ing.com.au and consider if an ING Home & Contents Insurance product
is right for you before deciding to purchase or continue to hold the product.
The price quoted is at the insurer's sole and unrestricted discretion. It is
based on the profile of the risk to be covered and any other factors the insurer may choose.
These factors may change at any time without notice, as may the prices. Discounts are applied by
the insurer. Any discounts on both new and renewing policies only apply to the extent that any
minimum premium isn't reached. If the policy renews, the price may exceed the price paid for the
previous policy. Premiums are subject to change. You will be responsible for all applicable GST
and other statutory charges.
Online Discount and Combined Discount Terms and Conditions
Effective for new policies quoted on or after 12 November 2026
Online Discount
- An online discount of 15% for the first year applies to the premium for a new policy that is purchased or Quoted Online (Online Discount).
- ‘Quoted Online’: The Online Discount is available to customers who obtain an insurance quote online but purchase the insurance via the contact centre, as long as the customer advises the consultant that they have already received a quote online and provides a valid quote reference number if requested.
- The Online Discount is available for the following types of policies:
- Home insurance: Combined Home and Contents, Home Building, Contents
- If a customer makes amendments to their policy during the first year requiring a recalculation of the premium payable, the Online Discount may not apply from the date of any such amendments.
Combined Discount
- A discount of up to 15% for the first year applies to the premium for a new combined Home and Contents policy if purchased in a single transaction (as opposed to purchasing separate policies for each) (Combined Discount).
- The Combined Discount does not apply if a customer purchases a standalone Home Building only or Contents only policy and later adds the other cover type in a subsequent transaction.
- If any amendment is made to a combined Home and Contents insurance policy (other than the cancellation of either the Home Building or Contents cover) in the first year, the Combined Discount percentage that will be applied to calculate the amended premium will be the same as the Combined Discount percentage that was applied at policy inception.
- If either the Home Building or Contents cover is cancelled during the first year, the Combined Discount will no longer apply to the premium on the remaining cover for the balance of the first year.
- The application of the Combined Discount cannot take the premium for a combined Home and Contents policy below the premium, plus $5, that would apply to the Home Building insurance or Contents insurance policies if purchased separately.
- A customer purchasing combined Home and Contents insurance can obtain the benefit of both the Online Discount and Combined Discount if the terms and conditions for both those discounts are satisfied.
Conditions
- Discounts are for the first year of a new policy only. They do not apply on renewal. Existing customers are not eligible for the discounts if they seek to take out a new policy for an item that is already insured rather than renewing their existing policy.
- Discounts only apply to the insurance portion of the premium. They do not apply to government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of discounts may therefore be impacted.
- For Home insurance policies there are minimum premiums that apply. Any discount a customer may be eligible for may be reduced if it would have the effect of reducing the final premium to below any applicable minimum premium level.
- In some cases, rounding processes might mean that the actual discount that is applied is 1c more or less than the exact percentage that is represented.
- Discounts may be withdrawn or changed, or the terms and conditions on which they apply varied, without notice. Any such withdrawal, change or variation will not impact policyholders who have already purchased their policy.
