General Frequently Asked Questions

Car insurance

Home insurance

Landlords insurance

Travel insurance

Life Insurance Plan

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

Alternatively, you can get a quote or purchase 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 purchase ING Car Insurance. The date your 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 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 policy.

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

Paying your premiums

How can I pay my insurance premium?

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

  • Bpay
  • Post Bill pay
  • cash
  • cheque
  • credit card.

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 premium in monthly instalments at no extra cost, by direct debit from a cheque or savings account, or from your credit card.

Making a claim

What if I have 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.

What is Comprehensive cover?

Comprehensive cover 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 cover 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 cover 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 value nominated for your car at the commencement of each period of insurance, and remains the same value throughout that period. You should review your Agreed Value before you renew your insurance policy.

Market Value is the estimated cost to replace the vehicle and may change depending on market influences throughout the period of insurance.

Is my trailer covered?

Trailer cover is provided for up to $1,000 for loss or damage whilst the trailer is attached to your vehicle. Trailer 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 cover provides you with an option to select cover for one broken windscreen or window, in any one year, without having to pay the 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 cover.

Do you offer a new car replacement?

If you choose Comprehensive 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 cover. 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.

Premium options

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

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

  1. Nominated Driver - This 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 - This 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 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 cover from Third Party 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 cover, 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 a vehicle without a claim. For example, if you have been driving a company vehicle 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).

What would you like to do next?

How to get a quote and buy ING Home Insurance

How do I get a quote for ING Home Insurance?

It's quick and easy to get a home and contents insurance quote online! Alternatively, call the ING Insurance Centre for a quote on 1800 815 688, weekdays from 8am to 8pm (Sydney time) and a Consultant will be happy to help!

What will I need to get a quote?

You will need to have the following details handy for:

Any questions? Call 1800 815 688, weekdays from 8am to 8pm (Sydney time) and a Consultant will be happy to help!

How do I purchase ING Home Insurance?

You can purchase ING Home Insurance online or over the phone. Click to get a home insurance quote online and buy or call 1800 815 688, weekdays from 8am to 8pm, (Sydney time). How long does it take to get insured?

You will be covered as soon as you purchase ING Home Insurance. The date your insurance cover starts will be confirmed 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 Home Insurance

How can I renew my policy?

We will send you a Renewal Schedule approximately six weeks before your policy is due for renewal. To renew your policy, you'll simply need to follow the payment instructions.

If you pay your insurance by monthly or annual direct debit, your policy will be automatically renewed. Your deductions will be continued unless you call 1800 815 688, weekdays from 8am to 8pm, (Sydney time).

Paying your premium

Can I pay by instalment?

You can choose to pay your premium by instalments directly from a financial institution account or from your credit card.

How can I pay my insurance premium?

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

  • BPay
  • Post Billpay
  • Cash
  • Cheque
  • Credit card
  • Direct Debit (only available if you pay by instalment)

Making a claim

What if I have to make a claim?

Call us on 1300 667 806 (24 hours, 7 days) when something happens that you believe you can claim for.

Cover options

What are the home insurance cover options?

With all of ING's types of cover, you have the option to choose to insure your buildings and/or your contents and valuables.

Please note that if you only insure your building, your contents will not be protected if they are destroyed, lost or damaged. Similarly, if you only insure your contents, your building will not be covered if it is destroyed or damaged.

What does Building cover offer?

Building cover offers:

  • 24 hours/7days claims assistance
  • replacement benefits
  • $20 million liability insurance
  • additional cover for removal of debris, alternate accommodation and rebuilding fees
  • pay-by-the-month instalment option.

What does Contents cover offer?

Contents cover offers:

  • 24 hour/7days claims assistance
  • new for old cover for contents
  • $20 million liability insurance
  • cover for valuable items
  • pay-by-the-month instalment option.

What type of items do I need to specify for my Valuables cover?

In your Contents cover, the most we will pay for any one item, pair, set, collection or system is:

  • $2,500 for valuable items other than sporting equipment
  • $3,000 for sporting equipment.

If you have items, pairs, sets, collections or systems that are worth more than the above limits, you can insure them as "special valuable" items. You must let us know if you want to do this and the items will be listed on your Policy Schedule.

What are valuable items?

  • Jewellery and watches
  • Items that contain gold or silver
  • Furs
  • Collections of stamps, money or medals
  • Items able to be powered by battery as listed:
    • Audio
    • Camera equipment, including accessories and unprocessed film, unless they are being used underwater, or to earn your income.
    • Electronic diaries
    • GPS
    • Portable computers
  • Sporting equipment designed to be used in a leisure activity that involves some element of physical activity or competition. This does not include pedal cycles. Sporting equipment is not covered while it is being used.
  • Special valuable items which are listed on your Policy Schedule.

Are my valuables covered when I'm away from home or on holiday?

If you select the optional Special Valuables cover, your valuables are insured when you are away, at home or overseas for up to 90 days. There are certain exceptions and restrictions which are explained in the Home Insurance or Premier Home Insurance Product Disclosure Statements.

How are lost or damaged items replaced?

When damage or loss occurs to any contents item, we will, at our discretion, do one of the following:

  • replace the property with the nearest equivalent new property
  • repair the property to the condition it was in when new
  • pay you the cost of replacement or repair.

Are my contents covered for business use?

We will cover items that are used in a home office. We encourage you to read the Home Insurance, or Premier Home Insurance Product Disclosure Statements for more details.

How much do I need to insure my home for?

When deciding the amount of cover, it's important to consider how much it would cost to replace your property at today's prices if it was destroyed.

How much should I insure my contents for?

You should work out how much it would cost for you to replace your contents at today's prices.

When your circumstances change

What if my contact details or insurance needs change?

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).

How to get a quote and buy ING Landlords Insurance

How do I get a quote for ING Landlords Insurance?

It's quick and easy to get a landlord insurance quote online! Alternatively, call the ING Insurance Centre for a quote on 1800 815 688, weekdays from 8am to 8pm, (Sydney time) and a Consultant will be happy to help!

What information will I need to get a quote

You will need to have the following details handy:

  • what is the replacement cost of your building?
  • how much it will cost to replace your contents
  • how much rent do you receive for your property

Any questions? Please call the ING Insurance Centre on 1800 815 688, weekdays from 8am to 8pm, (Sydney time) and a Consultant will be happy to help.

How do I purchase ING Landlords Insurance?

You can purchase ING Landlords Insurance online or over the phone. Get a free landlord insurance quote online and buy. Call 1800 815 688, weekdays from 8am to 8pm, (Sydney time).

How long does it take to get insured?

You will be covered as soon as you purchase ING Landlords Insurance. The date your insurance cover starts will be confirmed 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.

Can I claim my insurance as a tax deduction?

Insurance taken out to cover a tenanted residential investment property may be claimed as a tax deduction.

How to renew your ING Landlords Insurance

How can I renew my policy?

We will send you a Renewal Schedule approximately six weeks before your policy is due for renewal. To renew your policy, you'll simply need to follow the payment instructions.

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

Paying your premium

How can I pay my insurance premium?

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

  • cash
  • cheque or
  • credit card.

Can I pay by instalment?

You can choose to pay your premium by instalments directly from a financial institution account or from your credit card.

Making a claim

What if I have to make a claim?

Call us on 1300 667 806 (24 hours, 7 days) when something happens that you believe you can claim for. For more details on making a claim click here.

Cover options

What does ING Landlords Insurance offer?

ING Landlords Insurance offers protection for your residential investment property. On top of the standard home insurance cover, it protects you against intentional and malicious damage caused by a tenant.

Your residential investment property will be covered for:

  • accidental damage or loss caused by you
  • malicious and intentional damage or vandalism caused by tenants

You can tailor your cover to include:

  • legal liability for injuries to people, or damage to property, from managing the property.
  • loss of rent for up to 12 months if your tenanted property becomes unfit for letting due to an insured event.
  • loss from tenants who default on rent or steal (limits apply).

Features

Features ING Landlords Insurance
New for old cover for most contents up to 15 years YES
Legal liability cover up to $20 million (option) YES
Loss of rent option YES
Rent default and theft by a tenant option YES
Malicious damage or vandalism by tenants YES
Pay by the month at no extra charge YES

Please read the ING Landlords Insurance Product Disclosure Statement for more details.

What are the key benefits of ING Landlords Insurance?

ING Landlords Insurance offers the following great features:

Wide cover

Many insurance policies give you a list of the events you are covered for. However we offer Accidental Damage cover to protect your property against a broader range of events.

Instead of a long list of acceptable risks, you will find a short list of events and mishaps which are not covered. So if something happens and it's not on the list of exclusions, you know you're covered.

Replacement benefit

Suppose the worst happens and your property is totally destroyed by fire. With the replacement benefit, you will be covered for the complete cost of rebuilding the property to its new condition up to the sum insured.

Even the cost of removing debris and the cost of architects, surveyors and legal fees are included for up to 10% of the building's sum insured.

You will also be covered for any unexpected expenses as a result of ensuring the rebuilt property complies with any government or local authority by-laws which have come into force since your original property was built.

Always check to ensure your sum insured is adequate to provide for extra costs and loss of building or land value.

Liability cover

Liability cover can be a financial nightmare unless you are adequately covered. Under our optional Liability section, you have a choice of either $5 million, $10 million or $20 million liability cover if you are found to be legally responsible for injuries to people or damage to property arising from the ownership of the property.

Optional loss of rent cover

ING Landlords Insurance provides optional cover for the loss of rent following accidental damage or accidental loss to your buildings.

If your property is so badly damaged that it can't be lived in, we will pay you the lost rent until the buildings can be lived in, for up to 12 months.

Optional rent default and tenant damage

If your tenant defaults on rent or leaves the building before the end of the rental period, or is legally evicted, the policy can provide cover for lost rent until the property is re-let, up to $5,000.

In addition, cover is available for theft by tenants and legal costs you incur in taking action against the tenants. Surprisingly, many other policies do not cover this!

Workers' compensation

In those States where legislation permits, you are also able to cover the amount you are liable to pay if a person you employ is injured while working for you. Please note that this cover only applies if the person is doing work for you in respect of owning, operating and managing the property.

How much do I need to insure my investment property for?

When deciding the amount of cover you require, it's important to consider how much it would cost to replace your property if it is destroyed. You should also consider optional cover for the loss of rent following accidental damage or accidental loss to your buildings. If your tenanted property is so badly damaged that it can't be lived in, we will pay you the lost rent until the buildings can be lived in, for up to 12 months.

How much should I insure my contents for?

You should work out how much it would cost you to replace your belongings including fixed furnishings, such as curtains and carpets.

My Body Corporate insurance covers me, so do I need extra cover?

You should check your Body Corporate insurance policy and confirm the currency and coverage of the benefits. Most Body Corporate insurance will only cover the building and not the contents. For instance, you may not be covered by the Body Corporate if the dishwasher leaks and damages the carpet. ING's Landlords Insurance can protect you if you experience theft by a tenant, rent default and liability.

My tenant is a relative or friend and they won't damage the property so why do I need insurance?

In most circumstances it is difficult, as a landlord, to know who is visiting your property. For example, young children can inadvertently damage walls and floors without realising the consequences and accidents may happen outside the tenant's control, such as fire. Insuring your property will ease any potentially awkward or difficult situations without endangering the goodwill and friendship you have with your tenant.

My property has been damaged by fire and can't be lived in. What can I do?

ING Landlords Insurance will give you peace of mind as you can organise cover for loss of rent for up to 12 months and for the cost of rebuilding the building.

A tenant's visitor has fallen on a loose tile and has been forced to take time off work. Will I be covered?

Provided you have ING Landlords Insurance, the liability cover will protect you from potential legal action that can be taken against you as a result of a fall. Under our optional Liability section, you have a choice of either a $5 million, $10 million or $20 million liability cover if you are found to be legally responsible for injuries to people or damage to property.

When your circumstances change

What if my contact or insurance needs details change?

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

How to get a quote and buy ING Travel Insurance

How do I get a quote for ING Travel Insurance?

It's quick and easy to get a travel insurance quote online! Alternatively, call the ING Insurance Centre for a quote on 1800 815 688, weekdays from 8am to 8pm, (Sydney time) and a Consultant will be happy to help you.

What will I need to get a quote?

You will need to have these details handy:

  • your departure and return dates
  • whether you would like single or doubles cover. Single cover includes you (one adult) and up to 7 dependant
    • children under 21 years of age, who travel with you on your journey. Doubles includes two adults and up to 7 dependant children under 21 years of age who travel with them on their journey.
  • your destination/s.

Any questions? Call 1800 815 688 from 8am to 8pm (Sydney time) Monday to Friday and a Consultant will be happy to help. How do I purchase ING Travel Insurance?

You can purchase ING Travel Insurance online or over the phone. Click to get a travel insurance quote online and buy. Call 1800 815 688, weekdays from 8am to 8pm (Sydney time).

How far ahead can I buy ING Travel Insurance?

You can buy ING's Travel Insurance up to six months before your depart. The benefit of buying your travel insurance in advance is that you may be able to claim any cancellation fees or deposits if your trip is cancelled due to unforeseeable circumstances.

What if I have a pre-existing medical condition?

Insurance cover for a pre-existing medical condition is not available online. So, you will need to call us to get a quote on 1800 815 688, weekdays from 8am to 8pm, (Sydney time).

A pre-existing medical condition is an ongoing medical or dental condition or any related complications. It can also be a medical or dental condition which you have received treatment for 30 days immediately before the start of your insurance.

Please read the Product Disclosure Statement for more details.

I'm asthmatic. Is that a pre-existing medical condition and will I need to get additional cover?

Asthma is one of many pre-existing medical conditions that you do not need additional cover for. You will not need additional cover for the following (subject to meeting certain requirements):

  • Asthma
  • Cataracts
  • Non-insulin dependent diabetes
  • Ear grommets
  • Epilepsy
  • Gastric reflux
  • Gout
  • Hiatus hernia
  • Hip replacement
  • Hypertension
  • Peptic ulcer
  • Pregnancy up to and including 24 weeks
  • Underactive thyroid.

Please read the Product Disclosure Statement for more details.

How long does it take to get insured?

You will be covered as soon as you purchase ING Travel Insurance. The date your insurance cover starts 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 extend your ING Travel Insurance

Can I extend my policy?

You may apply to extend your policy if you:

  • are a permanent resident of Australia and
  • originally purchased an International Super or Standard plan.

You can extend your policy up to three times but you must purchase the same plan you bought originally.

How do I extend my policy?

You will need to request the extension in writing while your original policy is still current. Please note that the total journey must not exceed 18 months.

Paying for your ING Travel Insurance

How can I pay my insurance premium?

You can get a quote and pay for your insurance by credit card online. Any questions? Call the ING Insurance Centre on 1800 815 688 for more information.

Making a claim

What if I have to make a claim?

Call 1300 667 806 (24 hours, 7 days) when something happens that you believe you can claim for. Click for more details on making a travel insurance claim.

What if my luggage is stolen whilst I am overseas?

If you have your belongings stolen while you are holidaying overseas, it is vital to get a Police Report. You will need to provide this Report when making a claim.

Cover options

What are the ING Travel Insurance cover options?

Choosing an ING Travel Insurance policy is easy. There are 5 plans to choose from depending on your destination and choice of single or doubles cover.

Single cover includes you (one adult) and up to 7 dependant children under 21 years of age who travel with you on your journey. Doubles cover includes any two adults and up to 7 dependant children under 21 years of age who travel with them on their journey.

What will I be covered for?

ING Travel Insurance offers:

  • overseas medical and dental expenses (international insurance only)
  • resumption of overseas journey (international insurance only)
  • replacement of luggage and documents
  • cover for accidental death, disability and loss of income.

There are 5 plans to choose from to suit your budget and travel needs - International Super Plus, International Super, International Standard, International Economy and Australia.

For ease of comparison, here are the key benefits of each type of cover:

Singles cover

Plan Int'l Super Plus Int'l Super Int'l Standard Int'l Economy Australia
For travel to USA, Canada, and Japan UK, Europe, South America, Russia, India, Africa or the Middle East Asia, including Bali New Zealand, Norfolk Island and the South Pacific Islands Australian domestic travel
Overseas medical, dental and additional expenses Medical unlimited#, Dental $1,000 Medical unlimited#, Dental $1,000 Medical $300,000#, Dental $1,000 Medical $100,000#, Dental $1,000 $10,000##
Resumption of overseas journey $3,000 $3,000 $1,500 $1,500 n/a
Return of hire car and excess waiver Maximum $3,000 Maximum $2,000 Maximum $2,000 Maximum $2,000 Maximum $2,000
Cancellation Whatever it costs Whatever it costs Whatever it costs Whatever it costs Whatever it costs
Luggage and travel documents $12,000 $10,000 $5,000 $3,500 $2,500
Accidental death, disability and loss of income $25,000
(Loss of income paid up to six months)		 $25,000
(Loss of income paid up to six months)		 $15,000
(Loss of income paid up to six months)		 $10,000
(Loss of income paid up to six months)		 $10,000###
Liability $2.5 Million $2.5 Million $2 Million $1 Million $1 Million

Doubles cover

Plan Int'l Super Plus Int'l Super Int'l Standard Int'l Economy Australia
For travel to USA, Canada, and Japan UK, Europe, South America, Russia, India, Africa or the Middle East Asia, including Bali New Zealand, Norfolk Island and the South Pacific Islands Australian domestic travel
Overseas medical, dental and additional expenses Medical unlimited#, Dental $2,000 Medical: Unlimited#
Dental: $2,000		 Medical $600,000#, Dental $2,000 Medical $250,000#, Dental $2,000 $20,000##
Resumption of overseas journey $6,000 $6,000 $3,000 $3,000 n/a
Return of hire car and excess waiver Maximum $3,000 Maximum $2,000 Maximum $2,000 Maximum $2,000 Maximum $2,000
Cancellation Whatever it costs Whatever it costs Whatever it costs Whatever it costs Whatever it costs
Luggage and travel documents $24,000 $20,000 $10,000 $7,000 $5,000
Accidental death, disability and loss of income $50,000
(Loss of income paid up to six months)		 $50,000
(Loss of income paid up to six months)		 $30,000
(Loss of income paid up to six months)		 $20,000
(Loss of income paid up to six months)		 $20,000###
Liability $2.5 Million $2.5 Million $2 Million $1 Million $1 Million

# For Expenses incurred within 12 months of disablement.
## Additional expenses only.
### Accidental death and disability only.

Online Life Insurance - General questions

Why do I need life insurance?

Online Life Insurance provides term life insurance cover, which pays out a lump sum benefit to your Estate if you die during the period of cover.

If you're the main income earner in the family, life insurance can help provide a stable financial future for your loved ones if you pass away. Life insurance can help your family manage major household expenses, such as the mortgage and education costs, plus other unforeseen expenses, such as funeral costs.

How much life insurance do I need?

Most people take out life insurance at key stages during their lives, including:

  • getting married
  • starting a new job or changing jobs
  • the birth of children
  • moving house
  • launching a business or partnership.

Online Life Insurance lets you choose how much cover you would like depending on your age and circumstances.

Whatever level of life cover you choose, your amount of cover is guaranteed to never decrease.

If you require financial advice in determining your life insurance needs, call 133 667, weekdays from 9.00am to 6.00pm (Sydney time), to speak to a financial adviser or to obtain more information about ING's OneCare and Group Risk life insurance products.

Why should I buy life insurance from ING?

ING Australia Limited (ING Australia) is one of Australia's leading fund managers, life insurers and superannuation providers with over $30 billion in assets under management. With over 100 years experience in life insurance, both locally and globally, we can provide you with a broad range of products to help protect you and your family.

I have life insurance cover with my superannuation. Why do I need additional life insurance?

It's great that you've started to protect your family's lifestyle. However, your superannuation may have a lower level of cover than you expect and may not be adequate to cover your changing circumstances.

I am self-employed. Why do I need life insurance?

Running your own business is an even bigger reason to consider life insurance. Even if you have your own superannuation fund, you may not have any or adequate levels of life insurance cover. So, it's important to review your insurance cover to ensure that both the financial future of your business and your loved ones is secure.

Can my partner and I get a joint policy?

Yes, you can. You and your partner can also receive a joint policy discount when you apply for Online Life Insurance together at the same time. To be joint applicants, you and your partner need to be either a spouse, defacto spouse or person living in a bonafide domestic arrangement where one or each provides the other with financial support, domestic support and personal care.

How to get a quote and buy life insurance online

How do I apply?

It's quick and easy to get a quote and buy life insurance online, simply click here.

How long will the online application take?

You can get an insurance quote in a matter of minutes. Plus, it's quick and easy to purchase online.

What will I need to get a quote?

Buying life insurance has never been easier. All you need to do is complete our online application and you can be instantly insured. Click here to get a quote for affordable and comprehensive life insurance.

I quit smoking six months ago. Do I need to tell you?

Yes. It's important that you provide accurate information on your smoker status. If you give up smoking for twelve months or more after you take out the policy, we can change your premium rates to the non-smoker price. Just call us on 1800 500 229, weekdays from 9.00am to 5.00pm (Sydney time), and we can update your policy details.

Who can apply for cover?

If you're a permanent resident of Australia aged between 21 and 59 years you can apply for Online Life Insurance.

How long does it take to get insured?

Your insurance cover starts immediately after you purchase online. Once your payment is confirmed, a printable version of your policy schedule confirming when your insurance cover started and your level of cover will be instantly available. We will also mail you a copy of the policy schedule within 5 working days.

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.

Can I cancel the policy at any time?

If you cancel your cover within the 21 day cooling-off period, we will return any premiums to you. However, if you cancel your policy outside of the cooling off period, you will not receive a refund.

Is my personal information confidential?

At ING we are committed to ensuring that your personal information remains confidential and secure. ING's Privacy policy explains how we manage personal information and can be downloaded here.

How secure is ING's Online Insurance site?

The security and privacy of your information is of the utmost importance to ING. We use the latest technologies to ensure your details are kept confidential and secure, including the 128-bit secured encryption protocol for managing the security of your information while it's transmitted over the internet, and 256-bit encryption for the storage of your confidential information.

When you are in the quote engine, you can tell if the connection between our servers and your computer is 'secure' if your browser displays a small closed lock () in the status bar at the bottom of the screen.

Paying your premiums

How can I pay my insurance premium?

You can charge the premium each month to your credit card (Visa, MasterCard or American Express). When will premiums be deducted?

Premiums will be deducted monthly. The premium for your first month of cover will be deducted from your nominated account on the date we process your application.

After this first premium deduction, each subsequent premium will be deducted on the 20th day of each month from your nominated credit card. If the 20th day falls on a weekend or public holiday, deductions will be made on the next business day.

How much will it cost?

To find out how much Online Life Insurance will cost you, click here to get a quick quote - it takes less than a minute.

What if I stop paying my premiums?

If you stop paying your premiums, we will write to you to let you know that your cover has ceased and no benefits will be payable.

Will the premiums change over time?

Premiums are based on your age, and will increase over time as you get older.

Will this impact my tax?

In most cases, any benefits paid to the policy holder or the estate are free of personal income tax.

When do I get paid a benefit under the policy?

Online Life Insurance has been designed to keep premiums as low as possible so money is only paid out for specific events during the life of the policy. There is no cash-in value at the end of the policy. So, at the end of your policy your cover will end and you will stop paying premiums.

Can I get a discount if my partner and I get a joint policy?

Yes, you can. Online Life Insurance offers joint policy discounts if both you and your partner apply for cover at the same time.

What will happen if I can't afford the monthly premiums?

Our insurance cover has been designed to be flexible so you can choose the level of cover to suit your needs and budget. Call the ING Insurance Centre on 1800 500 229 to determine whether you can change your level of cover so that you can continue to be protected.

Making a claim

How to make a claim

We want to make the claims process as easy as possible. A claim can be made by either:

  • calling 1800 500 229, weekdays from 9.00am to 6.00pm (Sydney time), or
  • writing to ING Life, Risk Claims, GPO Box 4028, Sydney NSW 2001.

We will then send the necessary claim forms that will need to filled in and returned to us.

Can I choose who gets the money if I die?

The lump sum payment will be paid directly to the policy holder or their estate.

What happens if I die?

If you are covered through Online Life Insurance and you die from a covered event before the end of your policy, we will pay the policy holder or their estate a lump sum. The amount of money that is paid will depend on your chosen level of cover.

Levels of cover

How much cover do I need?

The level of cover you choose will depend on your personal needs. If your salary was no longer being paid you'd need to take into account how much it would cost your family to pay the following expenses:

  • mortgage
  • education costs
  • day-to-day bills, e.g. electricity, food.

Are there any age restrictions?

You can apply for Online Life Insurance if you are aged between 21 and 59 years of age.

What does 'guaranteed renewable' mean?

You can renew your policy each year, without evidence of continuing good health, up until the policy anniversary date following your 75th birthday.

Do I have to take out cover for a minimum amount of time?

No. You can cancel your policy at any time. If you cancel within the 21 day cooling off period, you will receive a full refund. However, if you can cancel after 21 days you will not receive a refund.

Can I get joint cover?

Yes, you can. You will also receive a discount if you and your partner apply together at the same time.

What happens to the policy if one person under the joint policy passes away?

In the event of your death, ownership of the policy will be transferred to your partner and the joint policy discount will be discontinued.

Am I covered if I go overseas?

Yes. You will be covered anywhere in the world 24 hours a day, 365 days a year.

What if I need financial advice?

Online Life Insurance is only available online and not through an adviser. If you would like to speak to a financial adviser call 133 667, weekdays from 9.00am to 6.00pm (Sydney time), to receive more information about our OneCare and other Group Risk life insurance products.

When your circumstances change

What if my contact details change?

If your contact details or insurance needs change when you are insured with us please call 1800 500 229, weekdays from 9.00am to 5.00pm (Sydney time).

More Online Insurance Help

For car, home, landlords or travel phone
1800 815 688

For Life First or Accident Cover Plus phone
1800 500 229

For SecureLiving Plan phone 1300 362 975