General Frequently Asked Questions

Car insurance

Home insurance

Landlord insurance

Travel insurance

Life insurance

How to get a quote and buy 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 buy Car Insurance by calling Customer Services for a quote on 132 062, weekdays from 8am to 8pm (Sydney time).

"How long does it take to become insured?"

You will be covered as soon as you buy Car Insurance, if you choose to be covered immediately. 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 Car Insurance policy

"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:

  • Credit card - Visa and Mastercard
  • Direct debit - Financial institution account deduction

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, 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 Customer Services on 132 062 (24 hours a day, 7 days a week) 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 recommended repairers ready to start work on your car as soon as possible.
  • 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. 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 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 Damage, Fire and Theft cover?"

Third Party Property Damage, 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 Damage Insurance?"

Third Party Property Damage 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 fixed amount we agree to insure your vehicle for as shown on your current schedule.

Market Value is the amount of money it would cost to replace your vehicle in your local area with the same make and model at the time of a total loss. We will take into account the condition of your vehicle.

"Is my trailer insured?"

Insurance is provided for box trailers 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 Property Damage, Fire and Theft cover or Third Party Property Damage cover.

"Do you offer a windscreen cover option?"

Our Comprehensive cover provides you with 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 pay, up to a maximum of $75 per day, the 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 Damage cover.

"Do you offer a new car replacement?"

If you choose Comprehensive cover or Third Party Property Damage, Fire and Theft 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,
  • greater than two years old, but less than three years old, and has not travelled more than 50,000 km, and
  • you are the original owner, and
  • your vehicle was originally insured for the purchased price

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 where we have authorised repairs 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 the reasonable cost for your car to be towed to the nearest repairer or place of safety after 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 options:

  1. Nominated driver option - this option offers you a discount for restricting your insurance cover to two nominated drivers who are both 30 years of age or older.
  2. Low kilometre option - this option offers you a discount on the basis that you will not drive more than 10,000 km during the period of insurance.

"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 until you reach the maximum No Claim Bonus, 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 cover from Third Party Property Damage cover - am I entitled to a No Claim Bonus?"

If your car is insured for Third Party Property Damage, Fire and Theft cover or Third Party Property Damage cover 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 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 the details on your policy schedule need to change, or your contact details or insurance needs change, please call us immediately on 132 062, weekdays from 8am to 8pm, (Sydney time).

How to get a quote and buy Home Insurance

"How do I get a quote for Home Insurance?"

It's quick and easy to get a Home Insurance quote online. Alternatively, call Customer Services for a quote on 132 062, weekdays from 8am to 8pm (Sydney time) and a consultant will be happy to help!

"What will I need to get a Home Insurance quote?"

You will need to have the following details handy for:

  • Buildings cover - Building details including construction type, year built and number of levels and bedrooms.
  • Contents cover - Estimated costs to replace your contents new for old.
  • Valuables cover - Estimated costs to replace any special valuable items you wish to insure.

Any questions? Call 132 062, weekdays from 8am to 8pm (Sydney time) and a consultant will be happy to help!

"How do I buy Home Insurance?"

You can buy Home Insurance online or over the phone. Click to get a Home Insurance quote online and buy or call 132 062, weekdays from 8am to 8pm, (Sydney time).

"How long does it take to get insured?"

You will be covered as soon as you buy Home Insurance, if you choose to be covered immediately. 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 home 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 Home Insurance policy

"How can I renew my Home Insurance policy?"

To renew you Home Insurance policy, we will send you a Renewal Schedule approximately four 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 home insurance by monthly or annual direct debit, your policy will be automatically renewed. Your deductions will be continued unless you call 132 062, weekdays from 8am to 8pm, (Sydney time).

Paying your Home Insurance premium

"Can I pay my premium by instalments?"

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 Home Insurance premium?"

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

  • Credit card - Visa and Mastercard
  • Direct debit - Financial institution account deduction

Making a Home Insurance claim

"What if I have to make a claim?"

To make a claim, call Customer Services on 132 062 (24 hours a day, 7 days a week) when something happens that you believe you can claim for.

Home Insurance cover options

"What are the Home Insurance cover options?"

With Home Insurance, you have the option to insure your buildings and/or your contents.

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 buildings insurance cover?"

Buildings insurance covers the following:

  • 14 insured events, including storm, fire, water of liquid damage
  • Full building replacement
  • Accidental glass breakage
  • Electrical motor burnout (fusion)
  • Alternate temporary accommodation
  • Replacement of locks and keys
  • $20 million liability insurance
  • Additional cover for removal of debris, and rebuilding fees
  • Pay by the month instalment option at no extra charge
  • 24 hours a day / 7 days a week insurance claims assistance

"What does contents insurance cover?"

Contents insurance covers the following:

  • Cover for 14 insured events including burglary, fire, vandalism, storm and earthquake
  • New for old cover for contents
  • Accidental glass breakage
  • Electrical motor burnout (fusion)
  • Alternate temporary accommodation
  • Replacement of locks and keys
  • $20 million liability insurance
  • Option to increase limits for valuable items in the home
  • Option to add cover for valuables and personal effects away from the home
  • Pay-by-the-month instalment option at no extra charge
  • 24 hours a day / 7 days a week insurance claims assistance

"What type of items can I extend cover for by specifying them on my policy?"

Valuable items are covered up to $3000 per item, pair, set, collection or system. You can increase the amount we will pay for valuable items by listing them on your Schedule as specified valuables.

Valuable items are defined in the table below:

Definitions of valuable items

Valuable items include Valuable items do not include
Jewellery and watches
Items containing gold or silver Items thinly covered with gold or silver
Collections of stamps,money,medals or other collections
Sporting equipment Sporting equipment while it is being used
Batter powered items, as listed below:
  • audio-visual equipment
  • camera equipment, including accessories and unprocessed film
  • electronic diaries or PDAs
  • GPS (Global Positioning System device)
  • CD or DVD players and media players, e.g. MP3 players
  • mobile, satellite or portable phones
  • portable computers
 Camera equipment, including accessories and unprocessed film, that is being used underwater, or to earn your income.

"Are my personal effects and valuables covered when they are away from the home or with me on a holiday?"

If you select the contents cover away from home option, your personal effects and specified valuables are covered for accidental damage or loss when they are away from the home, worldwide, for up to 90 consecutive days. 

Personal effects are:

  • Clothing and apparel
  • Binoculars and telescopes
  • Spectacles and sunglasses
  • Handbags, briefcases, purses, wallets, suitcases and other travel bags
  • Wheelchairs, walking sticks, crutches
  • Prams, strollers, baby capsules and other baby carriers
  • Musical instruments
  • Unspecified valuables

Specified valuables are those valuables with an item value greater than $3,000 (inclusive of GST) which you have listed on your Schedule.

Personal effects are covered up to the limit shown on your Schedule, Specified valuables are covered up to the sum insured nominated by you on your Schedule.

We encourage you to read the  Home Insurance Product Disclosure Statement (PDS) for more details.

"How are lost or damaged contents items replaced?"

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

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

"Are my contents covered for business use?"

Goods used to earn an income at your home are covered up to $5,000.

In addition, we also provide cover separately for office and surgery equipment that you use to earn an income, up to $10,000 in total.

We encourage you to read in the Home Insurance Product Disclosure Statement for more details.

"How much do I need to insure my home for?"

You no longer have to estimate your building sum insured. 

Since we offer full buildings replacement, we automatically calculate the sum insured of your buildings using a building sum insured calculator. This means that you will never be underinsured. In the event of a total loss your buildings will be fully replaced even if the rebuilding cost exceeds the calculated sum insured at application.

"How much should I insure my contents for?"

You should work out how much it would cost for you to replace your contents new for old.

As a guide we will provide you with an estimate of the replacement value of your contents. Before accepting this estimate as your contents sum insured you should check that it is adequate to replace all of your contents new for old.

When your circumstances change

"What if my contact details or insurance needs change?"

If the details on your policy schedule need to change, or your contact details or insurance needs change, please call us immediately on 132 062, weekdays from 8am to 8pm, (Sydney time).

How to get a quote and buy Landlord Insurance

"How do I get a quote for Landlord Insurance?"

It's quick and easy to get a Landlord Insurance quote online. Alternatively, call Customer Services for a quote on 132 062, weekdays from 8am to 8pm, (Sydney time) and a consultant will be happy to help!

"What information will I need to get a Landlord Insurance quote?"

You will need to have the following details to get a quote:

  • building details including construction type, year built, number of levels and bedrooms
  • how much it will cost to replace your contents new for old

Any questions? Please call Customer Services on 132 062, weekdays from 8am to 8pm, (Sydney time) and a consultant will be happy to help.

"How do I purchase Landlord Insurance?"

You can purchase Landlord Insurance online or over the phone. Click to get a Landlord Insurance quote and buy, or call 132 062, weekdays from 8am to 8pm, (Sydney time).

"How long does it take to get insured?"

You have 21 days from the commencement date displayed on your Policy Schedule to be sure you have the right landlord insurance. If it is not the insurance 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.

"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 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, refer to your tax specialist for further information.

How to renew your Landlord Insurance policy

How can I renew my landlord insurance policy?

To renew your existing Landlord Insurance policy, we will send you a Renewal Schedule approximately four weeks before your policy is due for renewal and you'll simply need to follow the payment instructions.

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

Paying your Landlord Insurance premium

How can I pay my Landlord Insurance premium?

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

  • Credit card - Visa and Mastercard
  • Direct debit - Financial institution account deduction

Can I pay by instalment?

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

Making a Landlord Insurance claim

What if I have to make a claim?

Call us on 132 062 (24 hours a day, 7 days a week) when something happens that you believe you can claim for.

Landlord Insurance cover options

"What does Landlord Insurance offer?"

Landlord Insurance offers protection for your residential investment property.

In addition to the building and contents cover provided, our landlord insurance automatically includes landlord protection as standard.

With Landlord Insurance, your residential investment property will be covered for:

  • 16 insured events when you take out Buildings cover including fire, storm, water and liquid damage
  • 16 insured events when you take out Contents cover including burglary, impact damage, and vandalism
  • legal liability for injuries to people, or damage to property up to $20 million
  • loss of rent for up to 12 months if the property becomes unfit for letting as a result of an insured event
  • landlord protection automatically included as standard:
    • Rent default by tenant cover
    • Theft by tenant cover
    • Malicious acts or vandalism by tenant cover
    • Legal fees associated with rent default and theft by tenant

 

Key Features of Landlord Insurance

Features Landlord Insurance
Full building replacement cover (buildings cover only) YES
Electrical motor burnout (fusion) YES
Rent default by tenant cover YES
Theft by tenant cover YES
Malicious acts or vandalism by tenant cover YES
$20 million legal liability cover YES
Pay by the month premiums at no extra charge YES
Accidental glass breakage YES
Paperless 24 hours / 7 days a week claims service YES

Please read the Landlord Insurance Product Disclosure Statement for more details.

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

You no longer have to estimate your building sum insured. 

Because we offer full buildings replacement, we automatically calculate the sum insured of your buildings using a building sum insured calculator.

This means that you will never be underinsured. In the event of a total loss your buildings will be fully replaced even if the rebuilding cost exceeds the calculated sum insured at application.

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

You should work out how much it would cost you to replace your contents such as carpet, curtains and blinds.

"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?"

Landlord Insurance will give you peace of mind as your cover includes loss of rent for up to 12 months in addition to 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 Landlord 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 Liability section, you automatically have up to $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 details or insurance needs change?

If the details on your policy schedule need to change, or your contact details or insurance needs change, please call us immediately on 132 062, weekdays from 8am to 8pm, (Sydney time).

How to get a quote and buy Travel Insurance

How do I get a quote for Travel Insurance?

It's quick and easy to get a Travel insurance quote online. Alternatively, call us for a quote on 132 062, weekdays from 8am to 8pm, (Sydney time) and a consultant will be happy to help you.

What will I need to get a Travel Insurance quote?

To get a Travel Insurance quote, you will need to have these details handy:

  • your departure and return dates
  • your destination/s
  • age of traveller/s
  • whether you would like single or doubles cover.
    Single cover includes you (one adult) and up to 10 related dependant children under 21 years of age, who travel with you on your journey.  Doubles includes two adults and up to 10 related dependant children under 21 years of age who travel with you on your journey.
  • whether you have an existing medical condition

Do you have any questions about travel insurance?

Call 132 062 from 8am to 8pm weekdays (Sydney time) and our Travel Insurance consultant will be happy to help.

How do I purchase Travel Insurance?

You can purchase Travel Insurance either online or over the phone. Click here to get a Travel Insurance quote and buy. Alternatively, call us on 132 062, weekdays from 8am to 8pm (Sydney time).

How far ahead can I buy Travel Insurance?

You can buy ING's Travel Insurance up to twelve months before you 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 a defined event. Refer to the  Product Disclosure Statement for details.

What if I have an existing medical condition?

Insurance cover for an existing medical condition is not available online. So, you will need to call us to get a travel insurance quote on 132 062, weekdays from 8am to 8pm, (Sydney time).

There are certain existing medical conditions that are covered without application.

Please read the  Product Disclosure Statement for more details.

When does my cover begin?

Cancellation cover commences from the date of issue of your policy. All other benefits are applicable once you depart on your journey.

What if I change my mind?

There is a 21 day cooling of period.  You can return the policy within 21 days from receipt of the Certificate of Insurance and obtain a full refund provided you have not commenced your trip or made a claim.

How to extend your Travel Insurance policy

Can I extend my travel insurance policy?

You can apply to extend the policy if you are under the age of 70 years and prior to expiry of your policy. Conditions apply.

If you wish to extend your policy please contact us on 132 062..

Paying for your Travel Insurance policy

How can I pay my travel insurance premium?

You can get a quote and pay for your travel insurance by credit card online. If you have any questions, call us on 132 062 for more information.

Making a Travel Insurance claim

What if I have to make a claim?

Call us on 132 062 (24 hours a day, 7 days a week) to make a claim.

What if my luggage is stolen whilst I am overseas?

Within 24 hours of becoming awar of the loss, notify the police or the responsible officer in the aircraft, vessel, train or motor coach you are travelling in or in the hotel in which you are staying and give us their written report of the incident when you make the claim.

If you need assistance, contact our emergency assistance team (OMEGA) on +61 3 8805 2800 (reverse charges accepted, mobile calls are at your own cost). Refer to the Product Disclosure Statement for free phone international numbers.

Travel Insurance cover options

What are the Travel Insurance cover options?

Choosing a Travel Insurance policy is easy. You can choose between either an International or Australia Travel Plan plan, depending on your destination.

What will I be covered for?

Travel Insurance covers for medical and dental expenses incurred overseas, luggage, cancellation and additional expenses.

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

Benefits

This list is a summary of some of the benefits covered by this policy and the applicable limits. Please refer to the relevant sections in the Policy Wording for full details of cover. Other applicable limits may apply.

International travel plan

Australian travel plan

Singles

Doubles

Singles

Doubles

Applicable limits
Applicable limits

Medical expenses incurred outside Australia

Unlimited

Unlimited

N/A

N/A

Permanent disability

$12,000

$24,000

N/A

N/A

Cash in hospital

$8,000

$16,000

N/A

N/A

Post hospitalisation accommodation

$500

$1,000

N/A

N/A

Medical evacuation and repatriation

Unlimited

Unlimited

$5,000

$10,000

Emergency dental expenses

Unlimited

Unlimited

N/A

N/A

Luggage and personal effects

$15,000

$30,000

$4,000

$8,000

Personal computer item limit

$6,000

$6,000

$1,000

$1,000

Camera and video item limit

$4,000

$4,000

$750

$750

Watches and jewellery item limit

$1,000

$1,000

$500

$500

Other item limit

$700

$700

$500

$500

Emergency luggage

$500

$1,000

$500

$1,000

Cash

$200

$200

N/A

N/A

Replacement passports and travel documents

$3,000

$3,000

$2,000

$2,000

Cancellation or holiday deferment costs

Unlimited

Unlimited

$10,000

$20,000

Emergency travel arrangements and accommodation expenses

Unlimited

Unlimited

$10,000

$20,000

Travel delay

$1,500

$3,000

$500

$1,000

Resumption of trip

$2,500

$5,000

N/A

N/A

Missed connection – special events

$2,500

$5,000

$2,000

$4,000

Internet use and telephone calls

$250

$250

N/A

N/A

Hijacking

Unlimited

Unlimited

N/A

N/A

Emergency travel and accommodation expenses – relative

$20,000

$40,000

N/A

N/A

Rental vehicle insurance excess

$5,000

$5,000

$3,000

$3,000

Return of rental vehicle

$750

$750

$750

$750

Accidental death

$25,000

$50,000

$10,000

$20,000

Repatriation of remains to or within Australia or funeral expenses overseas

$25,000

$50,000

$5,000

$10,000

Funeral expenses within Australia

$10,000 (Limit $5,000 per person)

$20,000 (Limit $5,000 per person)

N/A

N/A

Personal liability

$3,000,000

$3,000,000

$300,000

$600,000

Legal expenses

$15,000

$30,000

N/A

N/A

Buying Travel Insurance from ING is easy so get a quick Travel Insurance quote now.

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 the details on your policy schedule need to change, or your contact details or insurance needs change, please call us immediately on 132 062, weekdays from 8am to 8pm, (Sydney time).

More Online Insurance Help

For car, home, landlords or travel phone
132 062

For CTP Green Slip
phone 1300 721 426

For Life First or Accident Cover Plus phone
1800 500 229

For SecureLiving Plan phone 1300 362 975