Rates and fees verified as correct at 18 April, 2021. Other information correct at the time of writing. Advertiser disclosure.
| Product | Monthly premiums available | Maximum no claim discount | Online discount | Choice of repairer |
|---|---|---|---|---|
| Comprehensive Car Insurance | Yes costs extra | Not Published | 15% | Optional Extra |
You may recognise ING for other financial services like home loans, savings and bank accounts. But it also provides insurance products including home & contents, travel and car insurance.
It offers comprehensive car insurance as well as third party property cover, so it can serve drivers looking to insure more valuable vehicles as well as those wanting solely to cover damage they cause to other people’s property.
Here, we’re going to investigate ING’s highest level of cover: its comprehensive car insurance.
While comprehensive car insurance can cover a lot, policy inclusions will differ between providers. With an ING comprehensive policy, you can expect the following features as standard:
A new car if yours gets written-off (within 2 years or 40,000 kilometres of original registration)
Personal property cover up to $500 (plus another $500 for baby capsules)
Emergency repairs without assessment to help get your car driving immediately after an accident (up to $500)
Reasonable towing costs
Emergency travel and accommodation expenses (up to $200 per-day or $1,000 in total)
Rental car if your car is stolen or damaged in a not-at-fault accident for up to 14 days (up to $1,000)
Cost of replacement keys
Trailer or caravan cover
Up to $1,000 to cover the cost of replacement keys if they’re stolen
Just make sure you double check any limits or conditions that apply to these benefits as there may be caps on how much you can claim for certain items.
Now that you know what’s covered, it’s important to know what’s not.
General wear and tear, including tyre damage caused by a puncture
Unexplained mechanical, structural or electrical breakdowns which occur over time
Value depreciation
Incidents occurring outside Australia
Accidental death or injury cover.
Some optional extras you could elect in your policy for a premium bump include:
Hire car use after an at-fault accident
Reduced excess windscreen cover
Modification cover if agreed in writing
Choice of repairer
A big part of this is your premium, so how that cost is determined should be addressed. This process involves insurance companies assessing personal and demographic factors to outline how statistically risky you are as a driver. Things that are considered include:
The make, model, age and condition of the car
What the car’s used for (work or personal)
The security of where you usually park your vehicle (e.g. the area you live in, whether you park in a garage or on the street)
Your age, driving experience and the claims history of you or any nominated drivers
Any extras added to your policy
Administration costs, taxes and government charges.
Head to the FAQs for more information on excess options and how you can save on ING car insurance.
Making a claim with ING comprehensive car insurance is super straightforward. Firstly, make sure you have the following information ready for when you lodge 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)
Photos of the damage and scene (if applicable)
Once you’ve got all the details ready, just follow these 3 easy steps to lodge your claim:
Gather the facts: Collect as much information as you can about the incident, including the sequence of events, weather conditions, road conditions and any photographs of the scene or damages.
Lodge your claim: Lodge your claim 24/7 either over the phone or online.
Get your outcome: Once ING has your claim, you can expect to receive an update from them on the next steps you’ll need to take to settle your claim via repairs, a replacement or monetary compensation
If you apply for a new ING comprehensive car insurance policy online, you can slash up to 15% off your premium. If you have a clean claims history, you can also build up a no claim discount with ING. The discount will be dependent on how long you are covered by ING and your claiming record in that time.
You can also save by limiting the drivers covered by your policy to certain age groups (inexperienced drivers or those under 25 may be charged an additional excess).
ING lets you choose between different levels of excess. If you go for a lower excess, then you’ll pay a higher premium, and vice versa. Just keep in mind, while a lower premium with a higher excess might sound like a more budget-friendly option now, you could end up paying for it if you have a car accident as your excess will be much higher.
As mentioned, there is also an additional age excess. There are different levels applied to those aged under 21, drivers in the 21-24 age bracket, inexperienced drivers who’ve spent less than two years on the road, and any unlisted drivers.
Yes, paying your ING car insurance premium in monthly instalments or in one deposit annually are both options. However, some fees may apply for this flexibility and the overall premium could be higher.
ING Roadside Assistance is an optional extra you can include in addition to the standard cover through your comprehensive car insurance policy. This 24/7 service costs $79.95 per-year and must be paid annually.
If you breakdown while driving you simply call ING Roadside Assistance on 1800 370 804 to provide details of your car and the situation, and a crew will be sent out to assess the vehicle. If they can’t get it running it’ll be towed to the nearest motor mechanic.
Mozo users have rated ING car insurance on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
12 Reviews
ING has been my insurer for over a year now and have fantastic support and customer service. Everything is explained so you can understand and you speak to someone who is real and understands what they are selling. They are very helpful with any questions and easy to get in contact with unlike other banks.
Read full reviewING has been my insurer for over a year now and have fantastic support and customer service. Everything is explained so you can understand and you speak to someone who is real and understands what they are selling. They are very helpful with any questions and easy to get in contact with unlike other banks.
I’ll tell you why I LOVE my car insurance company - they are saving me money. For an Early Childhood Educator who is already on a low income paying rent, bills & a car loan off - the last thing I wanted to do was fork out money for car insurance (and I tell you, I was not going to insure my car - just so I could have extra money to live off each week) until I spoke with ING (who I bank with) and they gave me the cheapest full comp I’ve ever been with. Not to mention that you get a 15% off discount if you already bank with them (money win!) My last car insurance company was Allianz and I was paying $190 full comp per month, ING I pay $60 FULL COMP. Say no more!
Read full reviewI’ll tell you why I LOVE my car insurance company - they are saving me money. For an Early Childhood Educator who is already on a low income paying rent, bills & a car loan off - the last thing I wanted to do was fork out money for car insurance (and I tell you, I was not going to insure my car - just so I could have extra money to live off each week) until I spoke with ING (who I bank with) and they gave me the cheapest full comp I’ve ever been with. Not to mention that you get a 15% off discount if you already bank with them (money win!) My last car insurance company was Allianz and I was paying $190 full comp per month, ING I pay $60 FULL COMP. Say no more!
except the charging price they are simply the best ever.
Read full reviewexcept the charging price they are simply the best ever.
I have had to make a claim and it has worked out that I have to keep chasing everything up. Initial contact regarding the claim was good. The towing company sent me a message that they had gotten my car and were taking it to a repairer in Marrickville (30 kms away from where I live and this was done so repairs would be done faster. The accident happened on 3 November. However, I then had to call and see where things were up to. The initial person in claims had not put her phone extension number on the email nor letter advising me of things. She told me I didn't have to pay the excess yet. Then immediately sent me a letter that I did. I called and got a different person in claims and found out how to pay my excess and promptly did so. Then I got a letter saying please pay your excess and if you have, call this number. It was dated 5 November and it was already past that date again I noticed the original person had not given me a phone extension number. I phoned again to check that they had the excess. Yet another person assured me it had been received. That was three calls I made because I had not heard from the insurance company. I called the assessor department and spoke to someone who told me to call the repairer and sent through an email with the repairer's phone number etc. I called the repairer a few times until I got to speak to someone. They told me yes they had my car there and work was progressing. They told me that the estimated time of being fixed was 2 December. I called today since it was 2 December and I had heard nothing and had not been contacted by either the insurance company or the repairer. They told me they are waiting on a subframe part that had been back-ordered. They told me that they expect it maybe in mid-January and blamed COVID (convenient for lots of things). No one called to tell me this - not the insurance company nor the repairer. I had to call and find out myself. All this ringing around that I have had to do and anticipate that I will have lots more to do of it. Sorry, but I expect better. Reasonable premium rates alone don't cut it! As far as I can work out, the only way I find out anything is for me to be calling around. Otherwise they don't keep you updated and they don't care. I feel like I have been doing their job. I don't work for them, they should be working for me. I am very disappointed with all of this and I do not think much of ING nor the company that underwrites their insurance. They started off OK, but then have left it all to me to chase things up. Otherwise I would have no idea of what is going on.
Read full reviewI have had to make a claim and it has worked out that I have to keep chasing everything up. Initial contact regarding the claim was good. The towing company sent me a message that they had gotten my car and were taking it to a repairer in Marrickville (30 kms away from where I live and this was done so repairs would be done faster. The accident happened on 3 November. However, I then had to call and see where things were up to. The initial person in claims had not put her phone extension number on the email nor letter advising me of things. She told me I didn't have to pay the excess yet. Then immediately sent me a letter that I did. I called and got a different person in claims and found out how to pay my excess and promptly did so. Then I got a letter saying please pay your excess and if you have, call this number. It was dated 5 November and it was already past that date again I noticed the original person had not given me a phone extension number. I phoned again to check that they had the excess. Yet another person assured me it had been received. That was three calls I made because I had not heard from the insurance company. I called the assessor department and spoke to someone who told me to call the repairer and sent through an email with the repairer's phone number etc. I called the repairer a few times until I got to speak to someone. They told me yes they had my car there and work was progressing. They told me that the estimated time of being fixed was 2 December. I called today since it was 2 December and I had heard nothing and had not been contacted by either the insurance company or the repairer. They told me they are waiting on a subframe part that had been back-ordered. They told me that they expect it maybe in mid-January and blamed COVID (convenient for lots of things). No one called to tell me this - not the insurance company nor the repairer. I had to call and find out myself. All this ringing around that I have had to do and anticipate that I will have lots more to do of it. Sorry, but I expect better. Reasonable premium rates alone don't cut it! As far as I can work out, the only way I find out anything is for me to be calling around. Otherwise they don't keep you updated and they don't care. I feel like I have been doing their job. I don't work for them, they should be working for me. I am very disappointed with all of this and I do not think much of ING nor the company that underwrites their insurance. They started off OK, but then have left it all to me to chase things up. Otherwise I would have no idea of what is going on.
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