Rates and fees verified as correct at 30 June 2022. Other information correct at the time of writing.
Advertiser disclosure.
Important information on terms, conditions and sub-limits
| 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.
27 Reviews
When I changed from my previous car insurer a few years ago I shopped around before signing up with ING. I have since purchased a new car and after checking the market again I chose to stay with ING. The whole process was made really easy. I found customer service helpful and clear. If you are in the market for a new insurer they are worth getting a quote.
Read full reviewWhen I changed from my previous car insurer a few years ago I shopped around before signing up with ING. I have since purchased a new car and after checking the market again I chose to stay with ING. The whole process was made really easy. I found customer service helpful and clear. If you are in the market for a new insurer they are worth getting a quote.
So unhelpful and unprofessional. No follow up calls to customers. Just an overall bad experience.
Read full reviewSo unhelpful and unprofessional. No follow up calls to customers. Just an overall bad experience.
It took them 2 weeks to process my claim and once I took the car to their mechanic they didn’t even check and follow them up to see when I can get the car back. I pay extra for a car hire every month and they only gave me the car for 14 days only. My car has been with their mechanic for a month and 4 days. A very bad experience horrible service. Even Bingle (operate by computer) can do so much better than ING/AUTO GENERAL. They are expensive, slow and they do not care about the customer except their money. My excess fee was $900 and during my claim they add an extra $500 on top. I do not recommend them to anyone or anything.
Read full reviewIt took them 2 weeks to process my claim and once I took the car to their mechanic they didn’t even check and follow them up to see when I can get the car back. I pay extra for a car hire every month and they only gave me the car for 14 days only. My car has been with their mechanic for a month and 4 days. A very bad experience horrible service. Even Bingle (operate by computer) can do so much better than ING/AUTO GENERAL. They are expensive, slow and they do not care about the customer except their money. My excess fee was $900 and during my claim they add an extra $500 on top. I do not recommend them to anyone or anything.
I can't recommend ING highly enough! My 18yr old son crashed my 3yr old car and it was a total loss. I was devastated and the customer service was above and beyond. Not only were they sympathetic but within a few days I received the money for personal effects in my bank account! After a week or so, the ING assessor told me the market value which I was more than happy with and was paid out within two days! Wow, I will be insuring with them again once I buy my new car. ING was absolutely wonderful, from start to finish!
Read full reviewI can't recommend ING highly enough! My 18yr old son crashed my 3yr old car and it was a total loss. I was devastated and the customer service was above and beyond. Not only were they sympathetic but within a few days I received the money for personal effects in my bank account! After a week or so, the ING assessor told me the market value which I was more than happy with and was paid out within two days! Wow, I will be insuring with them again once I buy my new car. ING was absolutely wonderful, from start to finish!
† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.