8.7/10

Based on 4867 ING product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

ING car insurance

Looking for a reliable provider offering car insurance policies? With comprehensive cover you can tailor to your needs, ING is certainly worth taking a second look at. 

In fact, ING’s comprehensive car insurance policy won a 2023 Mozo Experts Choice Award in the Exceptional Value Young Driver Insurance category.

Whether you're already an ING banking customer or new to this digital player, here are the nitty-gritty details you should know about its car insurance offering.

ING offers the following car insurance policies

Cover information and limits in the table below verified as correct at 28 May 2024. 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

Is ING good for car insurance?

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.

What’s covered by ING 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.

What’s not covered or only included as an optional extra with ING?

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

How much does ING Car Insurance cost?

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.

How do I make a claim with 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

ING car insurance FAQs:

Are there any car insurance discounts with ING?

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). 

Does ING give you a choice of 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.

Can I pay ING car insurance monthly?

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.

How does ING Roadside Assistance work?

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.

How is ING car insurance rated?

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.

Icon of car-insurances
ING car insurance customer reviews
Overall
5.5/10
Value for money
6.2/10
Policy coverage
5.7/10
Customer service
6.0/10
Claims handling
4.3/10
Trust
5.5/10
Based on 32 ING product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent ING car insurance reviews

ING Car Insurance
Overall 1/10
You get what you pay for

If I could give a zero I would. Long wait times - never call you back or keep you updated. I made a claim on 24th December - it’s now 21st February and I’m nowhere near getting my car back. Took them 20 days to approve repairs. I chose them because they offered a hire car benefit but there are lengthy delays and “processing times” or “assessment times” which take up most of your hire car benefit.

Read full review

If I could give a zero I would. Long wait times - never call you back or keep you updated. I made a claim on 24th December - it’s now 21st February and I’m nowhere near getting my car back. Took them 20 days to approve repairs. I chose them because they offered a hire car benefit but there are lengthy delays and “processing times” or “assessment times” which take up most of your hire car benefit.

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Alicia, South Australia, reviewed about 2 months ago
ING Car Insurance
Overall 9/10
Great People to deal with and excellent service.

They fully covered me after a car accident on 6th Dec last year which involved them needing to pay out on both cars as I was at fault.

Read full review

They fully covered me after a car accident on 6th Dec last year which involved them needing to pay out on both cars as I was at fault.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Esther, Victoria, reviewed about 1 year ago
ING Car Insurance
Overall 1/10
worse insurance

the worst insurance I had to deal with in my whole life! when you try to call them , they never answer. when you email them they never answer. they are liars as they said they will investigate and look at both parties cars and they did not. They just took my excess. this story lasted for 11 months, 11 months!1 for something very tiny or non existent. I am glad I left them ! do not join this insurance at all you will never be able to get someone to help you as they just ignore you!

Read full review

the worst insurance I had to deal with in my whole life! when you try to call them , they never answer. when you email them they never answer. they are liars as they said they will investigate and look at both parties cars and they did not. They just took my excess. this story lasted for 11 months, 11 months!1 for something very tiny or non existent. I am glad I left them ! do not join this insurance at all you will never be able to get someone to help you as they just ignore you!

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Unstatisfied, Queensland, reviewed about 1 year ago
ING Comprehensive Car Insurance
Overall 1/10
Six Months with No Vehicle - VERY BAD

My car has now been sitting in a garage for 6 months not being driven which is causing damage to my vehicle. They can't get the parts so they leave customers in hardship. I have had no car for 6 months. It is stated that if the vehicle is irreparable then it is a write off. In my case, my car is not repairable, but they refuse to pay me out. This has caused me so much hardship financially and mentally. I have paid registration and car insurance to have my car on the road. I have had no transport. I have been going through a complaints process where they refused to find an alternative. Don't go with this insurance company, it is not worth the trouble and hardship.

Read full review

My car has now been sitting in a garage for 6 months not being driven which is causing damage to my vehicle. They can't get the parts so they leave customers in hardship. I have had no car for 6 months. It is stated that if the vehicle is irreparable then it is a write off. In my case, my car is not repairable, but they refuse to pay me out. This has caused me so much hardship financially and mentally. I have paid registration and car insurance to have my car on the road. I have had no transport. I have been going through a complaints process where they refused to find an alternative. Don't go with this insurance company, it is not worth the trouble and hardship.

Value for money
8/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Esther, Western Australia, reviewed over 1 year ago
See all car insurance reviews
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
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.

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