Car Insurance FAQs

ING Car Insurance Frequently asked questions section provides useful information about ING's car insurance policies, including information about cost, quotes, claims, renewals and premiums.

How to get a quote and buy ING Car Insurance

It's quick and easy to get a car insurance quote online. You will need the following details handy:

  • birth date and gender of drivers
  • vehicle details - make, model, year and fuel type
  • any security devices or accessories fitted to your car
  • any modifications you have made to your car
  • approximate number of kilometres driven each year
  • current type of car insurance
  • your current No Claims Bonus status.

Alternatively, you can get a quote or buy car insurance by calling the ING Insurance Centre for a quote on 1800 815 688, weekdays from 8am to 8pm (Sydney time).

How long does it take to become insured?

You will be covered as soon as you buy ING Car Insurance. The date your car insurance cover commences will be shown on the Policy Schedule we will send you.

What if I change my mind? Do you offer a money back guarantee?

You have 21 days from the commencement date displayed on your Policy Schedule to be sure you have the right car insurance cover. If it is not the cover you require, you can cancel the insurance policy. You will receive a full refund of the premium paid, providing you have not made a claim.

How to renew your ING Car Insurance

How can I renew my car insurance policy?

To renew you existing car insurance policy, we will send you a Renewal Schedule approximately six weeks before your policy is due for renewal. You will then need to follow the payment instructions on your Renewal Schedule to renew your car insurance policy.

If you pay your car insurance by monthly or annual direct debit, your insurance policy will be automatically renewed. You will need to contact us if you would like to discontinue your direct debits.

Paying your car insurance premium

How can I pay my car insurance premium?

You may pay your car insurance premium by any of the following methods:

  • cash
  • cheque
  • credit card
  • BPay
  • Post Bill Pay

You can also choose to pay your premium in monthly instalments by direct debit from a cheque or savings account or from your credit card, at no extra cost.

Can I pay by instalment?

You can choose to pay your car insurance premium in monthly instalments at no extra cost, by direct debit from a cheque or savings account, or from your credit card.

Making a car insurance claim

What if I have to make a claim?

To make a claim, call the ING Insurance Centre on 1300 667 806 (24 hours, 7 days) when something happens that you believe you can claim for.

What happens if my car is involved in an accident?

When your car is damaged in an accident, we can:

  • provide you with a choice of repairers ready to start work on your car as soon as possible or you can take your car to the repairer of your choice.
  • assist in arranging for your car to be towed, if your car cannot be driven.

It is important to not repair or replace any damaged property without our consent.

What happens if a claim is made against me?

Contact us as soon as possible if a claim is made against you. ING Car Insurance includes up to $20,000,000 liability cover for damage to other people's property as a result of an accident.

My car has been stolen or vandalised. What should I do?

  • You must advise the nearest police station if your car or any of your property has been lost, stolen, vandalised or maliciously damaged.
  • Please keep any property that has been damaged so that we can inspect it at a later date.

Car Insurance cover options

What is Comprehensive Car Insurance?

Comprehensive car insurance will cover you for:

  • loss or damage to your vehicle
  • legal liability for loss or damage to another person's property.

What is Third Party Property Fire and Theft insurance?

Third Party Property Fire and Theft insurance will cover you for:

  • loss or damage to your vehicle by fire or theft
  • legal liability for loss or damage to another person's property.

What is Third Party Property Only insurance?

Third Party Property Only Insurance will cover you for:

  • legal liability for loss or damage to another person's property.

What is the difference between 'Agreed Value' and 'Market Value'?

Agreed Value is the fixed amount we agree to insure your vehicle for as shown on your current schedual.

Market Value is the amount of money it would cost to replace your vehicle in your local area with an identical vehicle. We will take into account the condition of your vehicle.

Is my trailer insured?

Trailer insurance is provided for up to $1,000 for loss or damage whilst the trailer is attached to your vehicle. Trailer insurance cover is not available with Third Party Fire and Theft or Third Party Property only cover.

Do you offer a windscreen cover option?

Our Comprehensive Car Insurance cover provides you with an option to select cover for one broken windscreen or window, in any one year, without having to pay an excess or penalise your No Claim Bonus.

Do you offer a Hire car?

If your car is stolen, we will cover the reasonable cost of hiring a replacement car until your car is recovered (up to a maximum of 14 days). This cover is not available with Third Party Property Only Insurance cover.

Do you offer a new car replacement?

If you choose Comprehensive car insurance cover and your car is stolen or destroyed when it is:

  • less than two years old and has not travelled more than 30,000 km or
  • more than two years old but less than three years old and has travelled under 50,000 km

We may replace your car with a new one, including the cost of registration and dealer delivery.

I have Comprehensive car insurance. What happens if I have an accident?

  • Vehicle return - We will pay up to $500 to return your car if it is damaged in an accident more than 100 km from where you live.
  • Emergency repairs - We will pay up to $500 for emergency or temporary repairs so you can drive your car home after an accident.
  • Towing - We will pay for you car to be towed to the nearest repairer or place of safety after an accident.
  • Personal property - We will pay up to $500 for personal property (such as clothing and luggage) that is in your car and is damaged during an accident.

Car Insurance premium options

What are the different ways I can adjust my car insurance premium?

You can get a discount on your car insurance premium if you choose either of these insurance policies:

  1. Nominated Driver Motor Vehicle Insurance Policy - This insurance policy provides a discounted premium if your car will only be driven by up to two nominated drivers over 25 years of age.
  2. Nominated Driver Low Kilometre Motor Vehicle Insurance Policy - This insurance policy provides a discounted premium if your car will only be driven by up to two nominated drivers over 25 years of age and the vehicle does not travel more than 10,000 km per year. Please note this policy is not available in Tasmania.

What does "No Claim Bonus" mean?

A "No Claim Bonus" is a discount on the cost of insuring your car. The discount increases each year as long as no claims that reduce your No Claim Bonus are made on your insurance policy. After only five years of claim free driving, you can enjoy the benefit of a 60% discount off the standard premium if you do not make any claims.

What if I upgrade to Comprehensive Car Insurance from Third Party Insurance cover - am I entitled to a "No Claim Bonus"?

If your car is insured for Third Party Property Fire and Theft or Third Party Property Only and you wish to upgrade to Comprehensive Car Insurance, we will provide one year's No Claim Bonus entitlement for each year that you have not had a claim.

I've been driving a company car for the last few years. Will you give me a No Claim Bonus?

Yes. You will receive one year of No Claim Bonus entitlements for each year you have driven without an insurance claim. For example, if you have been driving for 5 years without a claim, you will receive the maximum 60% No Claim Bonus.

When your circumstances change

What if my contact details change or I modify my car?

If your contact details or insurance needs change when you are insured with us please call 1800 815 688, weekdays from 8am to 8pm (Sydney time).

More about ING Car Insurance