ING home insurance information - frequently asked questions

ING home insurance frequently asked questions section provides useful information about ING's home and contents insurance policies, including information about cost, claims, quotes, renewals and premiums.

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 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 home insurance 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 buy ING Home Insurance?

You can buy 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 buy 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 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 ING Home Insurance

How can I renew my home and contents insurance policy?

To renew you home and contents insurance 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 home 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 home and contents 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:

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

Making a home or contents insurance claim

What if I have to make a claim?

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

Home and contents insurance cover options

What are the home insurance cover options?

With all of ING's types of insurance 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 Insurance cover?

Building insurance covers the following:

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

What does Contents Insurance cover?

Contents insurance covers the following:

  • 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 Insurance?

In your contents insurance 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 contents 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 insure 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 insurance cover, it's important to consider how much it would cost to replace your property 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.

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).

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