What’s covered?

First of all, let’s take a look at what ING Comprehensive Car Insurance covers:

• A new car if yours gets totalled (within 2 years or 40,000 kilometres of original registration)
• Personal property cover
• Windscreen cover (option to reduce windscreen excess to $40 for an additional premium)
• Emergency repairs without assessment up to a certain amount
• Reasonable towing costs
• Emergency travel and accommodation expenses
• Rental car if your car is stolen for up to 14 days
• Rental car liability
• Cost of replacement keys
• Trailer or caravan cover
• Replacement keys if stolen
• Replacement baby capsule/seats
• Modification cover if agreed in writing

Just make sure you double check any limits or conditions that apply to these benefits as there may be a cap on how much you can claim for any particular thing.

What’s not?

Now that you know what’s covered, here’s what’s not:

• Roadside assistance
• Rental after an at-fault accident
• Accidental death cover for driver

And there are also a few optional extras, which are only covered if you’ve elected to add them to your policy, like choice of repairer.

ING Car Insurance FAQs:

How much does ING Car Insurance cost?

Let’s break down the different costs you’ll face with ING Comprehensive Car Insurance:

Premium:

When determining your premium, insurers generally look at:

• The make, model and age of the car
• What the car’s used for
• 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

Discounts:

If you apply for a new ING Comprehensive Car Insurance policy online, you’ll receive up to 15% off.

Excess:

ING Comprehensive Car Insurance 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, that 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.

How do customers rate ING?

So, now that you’ve got all the nuts and bolts of ING Comprehensive Car Insurance down pat why not head over to our customer review section and have a read of what the people have to say about it?

How do I make a claim with ING Car Insurance?

Making a claim with ING Comprehensive Car Insurance is super straight forward. 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:

1. Gather the facts: Collect as much information as you can about the incident.
2. Lodge your claim: Lodge your claim 24/7 either over the phone or online.
3. Get your outcome: Once ING has got your online claim, you can expect to receive an update from them within 2 business days.