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ING Car Insurance

ING Car Insurance

Get a quote

Save

15%

Online (first year's base premium only). Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft. T&Cs apply - see disclaimer below.

Features

Why insure with ING Insurance?

See below some key features of the ING Comprehensive Car Insurance.

  • Tailor your cover and pay less

    Pay less on your premiums by limiting the drivers covered under your policy to certain age groups (21+, 25+, 30+, 40+ or 50+).

  • Repair guarantee

    Authorised repairs are guaranteed for as long as you own the car.

  • New-for-old replacement

    If your brand new car is written off within the earlier of 2 years or 40,000 km of original registration, we'll replace it with a new one or pay you the amount you originally paid for it if a replacement isn’t available in Australia.

  • Claims service

    Claims can be made online or over the phone without lengthy forms.

  • Cover for a hire car

    Cover for hire car costs is provided if your car is out of action and we’re paying your claim after a no fault accident or theft of your car. Conditions and limits apply.

  • Cover for towing

    If your car can't be safely driven after an accident, we'll pay for the reasonable cost of towing your car.

  • Hail alert

    We'll send you an SMS if a hail storm is approaching the address where your car is normally kept - giving you time to get your car under cover quick smart.

Read the Product Disclosure Statements for all the detail on standard benefits, optional benefits, limits and exclusions.

Important information

Save 15% on policies online
(first year's base premium only). T&Cs apply - see disclaimer below.

For help call 1800 619 495. For operating hours, click here.

Cover choices explained

Cover choices explained

Find the car insurance that's right for you and get a quote to see what you could save.

Comprehensive
Third Party Property, Fire & Theft
Third Party Property Only

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Includes basic protection as provided under our Third Party Property Only car insurance plus cover for Fire & Theft.

Save 15% on policies online (first year's base premium only). T&Cs apply - see disclaimer below.

Covers your liability for $20 million worth of accidental damage your car causes to other people's vehicles and property.

Not sure what you need? Compare the standard benefits across our Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft cover choices.

Loss or damage to your vehicle
New-for-old car replacement

We'll replace your car with a new one if it becomes a total loss within the specified time period or mileage (whichever comes first) of the original registration.

2 years / 40,000 km

Damage to someone else's car or other property (legal liability)

$20 million

$20 million

$20 million

Damage caused by an uninsured driver

$5,000 (including recovery, towing and storage costs)

$5,000 (including recovery, towing and storage costs)

Towing
Hire car following theft

$1,000
(limit 14 days)

$1,000
(limit 14 days)

Hire car following a no fault accident
Replacement of stolen keys / remote

$1,000

Damage to your caravan or trailer in a collision

$1,000
(caravan and trailer)

Emergency transport and accommodation

If your damaged car is undriveable, we'll pay for the driver and passengers to be transported to the address where the car is normally kept at night; or, if transport is unavailable, we'll pay for the cost of their temporary accommodation.

$200 a day
($1,000 in total)

Damage or theft of personal effects in your car

$500

Damage or theft of child seat/baby capsule in your car

$500

Debris removal

If necessary, we'll pay for the debris from your car to be removed from the accident scene.

$500

$500

$500


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Need a little extra? With your Comprehensive car insurance quote you can add one or more of these optional benefits to customise your policy. Or you can call us on 1800 619 495 (for operating hours, click here) to customise an existing policy. (Note that additional premiums and exclusions apply.)

Accident hire car

We'll arrange for a hire car that meets your needs for you to use until your car is fixed or your claim is settled, or for a maximum period of 14 days, whichever occurs first.

Reduced window-glass excess

Applies only to front, rear or side windows.

Choice of repairer

If you have a claim with us you can nominate your preferred repairer.

Roadside assistance

For just $89.95 a year you'll receive 24/7 roadside assistance support, regardless of who is driving with an unlimited number of service call outs Australia-wide. Terms and conditions apply.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Ticking your boxes yet? There's more. Including an online and phone claims service and tailored excess.

Restricted driver age benefit

Pay less on your premiums by limiting the drivers covered under your policy to a certain age group (21+, 25+, 30+, 40+ or 50+).

No excess payable when identified third party is at fault
Repairs guaranteed for as long as you own the car
Higher excess to reduce premium

If you increase your Basic Excess, we'll reduce your premium.

No-claim discount preserved when identified third party is at fault
Fortnightly, monthly or yearly premium payments

By paying annually instead of instalments (i.e. fortnightly or monthly), you'll pay a lower premium and avoid administration fees.

Online and phone claims service
Online discount

15%

15%

15%


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Here's what you need to read to make an informed product decision.

Product Disclosure Statement (Part A)

Applies to new policies quoted on or after 2 March 2021 and policies with a renewal date on or after 31 March 2021.


Product Disclosure Statement (Part B)

Applies to new policies quoted on or after 2 March 2021 and policies with a renewal date on or after 31 March 2021.


Roadside Assistance Terms and Conditions

All you need to know about roadside assistance cover to keep you moving.

Financial services guide

Important information about ING Car Insurance.


Premium, Excess and Discount Guide (PED)

About the cost of insurance, discounts we offer and more.

FAQs

Got a question about Car Insurance?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

How to get covered

How to get covered

Jump-start your car insurance in a few simple steps and get covered in minutes.

1. Get a quick quote

Answer a few questions online for an on-the-spot quote. It's that easy.

2. Review and purchase

Review your quote, add optional benefits, select policy start date and purchase within 30 days.

3. Policy confirmation

We'll send you an email with your policy documents to review that all is correct. Cover will start on the date you selected.

To request a quote, you need to be aged 16+ and have an email address. You'll need to have the following information on hand:

Type of cover you want

The vehicle in question (or registration number)

The policy holder and your car insurance history

Location the car is kept at night

Average number of kilometres the car is driven per year

Save 15% on policies online
(first year's base premium only). T&Cs apply - see disclaimer below.

For help call 1800 619 495. For operating hours, click here.

Make a claim

Making a claim

Need help, fast? Here's how to make your ING Car Insurance claim.

1. Gather the facts

Collect as much information as possible about what happened.

2. Lodge your claim

You can lodge a claim online or get help over the phone.

3. Get your outcome

Once we have received your online claim, you will be provided with an update within two business days.

It's important to have the following at hand when lodging your claim:

Policy number

Details of the incident, including time and place

Other drivers' names, addresses, vehicle registration numbers, and insurance details

Any witnesses' names and contact details

Details of any tow-truck company used

Police report number (if applicable)

Photographs of the damage and scene (if applicable).

For the detail on cover and claims, please check the PDS Product Disclosure Statements.

Ready to make a car insurance claim?

Claim online or call 1800 619 495. For operating hours, click here.

Need Roadside Assistance?

Call 24/7 on 1800 370 804