based on 4557 ING banking product reviews as rated by Mozo community

ING car insurance

Looking for a reliable provider offering car insurance policies? With comprehensive cover you can tailor to your needs, 2021 Mozo Experts Choice Car Insurance Award winner ING is certainly worth taking a second look at. 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

Rates and fees verified as correct at 01 December, 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

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:

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. 

Some optional extras you could elect in your policy for a premium bump include:

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:

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:

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
Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

22 Reviews

Recent ING car insurance reviews

ING Car Insurance
Overall 7/10
Overall good policy

The main reason that I decided to be insured through ING was because that's who I bank with. It's easy to see all my accounts and policies in the one app. That being said the ING app has been performing poorly for some time now. The only thing that I would like to change about the policy is the windshield excess, with my previous insurer there was no fee to have your windshield replaces as long as it wasn't more than once per year.

Read full review

The main reason that I decided to be insured through ING was because that's who I bank with. It's easy to see all my accounts and policies in the one app. That being said the ING app has been performing poorly for some time now. The only thing that I would like to change about the policy is the windshield excess, with my previous insurer there was no fee to have your windshield replaces as long as it wasn't more than once per year.

Value for money
7/10
Policy coverage
6/10
Customer service
7/10
Trust
10/10
Less
Jesse anne, South Australia, reviewed 2 months ago
ING Car Insurance
Overall 10/10
Highly recommend ING

Highly recommend ING for all you banking and insurance needs.

Read full review

Highly recommend ING for all you banking and insurance needs.

Value for money
10/10
Policy coverage
7/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Cory, Victoria, reviewed 2 months ago
ING Comprehensive Car Insurance
Overall 1/10
Lack of service & responsibility. Stay away

Stay away from this insurance. I feel they had a lack of service towards my son. In the end, he withdraw the claim. They want you to do so much running around, doing what they are meant to do instead of providing the service paid for. Seems they will do what they can to avoid taking responsibility. I highly don't recommend them and ING ins will definitely not be used again by my family!

Read full review

Stay away from this insurance. I feel they had a lack of service towards my son. In the end, he withdraw the claim. They want you to do so much running around, doing what they are meant to do instead of providing the service paid for. Seems they will do what they can to avoid taking responsibility. I highly don't recommend them and ING ins will definitely not be used again by my family!

Value for money
1/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Rose, New South Wales, reviewed 3 months ago
ING Car Insurance
Overall 1/10
Poor service & extremely inefficient

I recently made a claim on a minor not at fault claim on an expensive vehicle. I was told repairs were authorised & car was booked into repairer - 1 week later the car is still untouched as ING are reviewing paperwork. Every time I call I get a different story its nothing short of a nightmare. I would never recommend ING based on this experience the staff have been rude & dismissive telling me my claim is in a queue after 1 week in repair yard. Save yourself the stress & insure with someone else.

Read full review

I recently made a claim on a minor not at fault claim on an expensive vehicle. I was told repairs were authorised & car was booked into repairer - 1 week later the car is still untouched as ING are reviewing paperwork. Every time I call I get a different story its nothing short of a nightmare. I would never recommend ING based on this experience the staff have been rude & dismissive telling me my claim is in a queue after 1 week in repair yard. Save yourself the stress & insure with someone else.

Value for money
2/10
Policy coverage
1/10
Customer service
1/10
Claims handling
1/10
Trust
1/10
Less
Lenore, New South Wales, reviewed 3 months ago

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