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 |
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.
22 Reviews
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 reviewThe 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.
Highly recommend ING for all you banking and insurance needs.
Read full reviewHighly recommend ING for all you banking and insurance needs.
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 reviewStay 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!
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 reviewI 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.
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