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ING Car Insurance

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ING Comprehensive Car Insurance

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Save

15%

On your first year's premium when you purchase a new ING Comprehensive Car Insurance policy online. T&Cs apply - see disclaimer below.

ING Comprehensive Car Insurance

Don't like to leave anything to chance when it comes to your ride? Our most popular and highest level of cover could help give you that extra peace of mind when the unforeseen happens.

Features

Why ING Car Insurance?

Please see below some key features of ING Comprehensive Car Insurance.

  • Comprehensive cover

    Covers damage to other people's property plus loss or damage to your vehicle.

  • New for old replacement

    If your brand new car is written off within the earlier of 2 years or 40,000 km of original registration, we will, depending on availability in Australia, replace it with a new one, pay you the amount it would cost to replace it or pay you the amount you originally paid for.

  • Towing cost

    If your car can't be safely driven after an accident, we'll pay for the cost of towing your car.

  • Hire car

    Cover for hire car costs if your car is out of action and we're paying your claim after a no fault accident or theft of your car.

  • Personal items

    Covers the cost of theft of personal items in your car, as well as damage of personal items in your car at the time of the collision.

  • Replacement keys

    If car keys are stolen and not recovered, we'll cover replacement costs and recoding of the locks.

Read the Product Disclosure Statements for all the detail on standard benefits, optional benefits, limits and exclusions.

Important information

Save 15% on policies online
(first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

ING Comprehensive Car Insurance explained

ING Comprehensive Car Insurance explained

Covers loss or damage to your car plus the damage it causes to other people's vehicles and property for which you are liable.

Comprehensive

Save 15% on policies online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

Check out the comprehensive list of standard benefits.

  • Loss or damage to your vehicle
  • New-for-old car replacement

    We'll replace your car with a new one if it becomes a total loss within the specified time period or mileage (whichever comes first) of the original registration.

    2 years / 40,000 km
  • Damage to someone else's car or other property (legal liability)
    $20 million
  • Damage caused by an uninsured driver
  • Towing
  • Hire car following theft
    $1,000 (limit 14 days)
  • Hire car following a no fault accident
  • Replacement of stolen keys / remote
    $1,000
  • Damage to your caravan or trailer in a collision
    $1,000 (caravan and trailer)
  • Emergency transport and accommodation

    If your damaged car is undriveable, we'll pay for the driver and passengers to be transported to the address where the car is normally kept at night; or, if transport is unavailable, we'll pay for the cost of their temporary accommodation.

    $200 a day ($1,000 in total)
  • Damage or theft of personal effects in your car
    $500
  • Damage or theft of child seat/baby capsule in your car
    $500
  • Debris removal

    If necessary, we'll pay for the debris from your car to be removed from the accident scene.

    $500

The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Need a little extra? With your comprehensive car insurance quote you can add one or more of these optional benefits to customise your policy. Or you can call us on 1800 619 495 (for operating hours, contact us here) to customise an existing policy. (Note that additional premiums and exclusions apply.)

  • Accident hire car

    We'll arrange for a hire car that meets your needs for you to use until your car is fixed or your claim is settled, or for a maximum period of 14 days, whichever occurs first.

  • Reduced window-glass excess

    Applies only to front, rear or side windows.

  • Choice of repairer

    If you have a claim with us you can nominate your preferred repairer.

  • Roadside assistance

    For just $89.95 a year you'll receive 24/7 roadside assistance support, regardless of who is driving with an unlimited number of service call outs Australia-wide. Terms and conditions apply.


The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Ticking your boxes yet? There's more. Including an online and phone claims service and tailored excess.

  • Restricted driver age benefit

    Pay less on your premiums by limiting the drivers covered under your policy to a certain age group (21+, 25+, 30+, 40+ or 50+).

  • No excess payable when identified third party is at fault
  • Repairs guaranteed for as long as you own the car
  • Higher excess to reduce premium

    If you increase your Basic Excess, we'll reduce your premium.

  • Monthly or yearly premium payment options

    By paying annually instead of in instalments (i.e. fortnightly or monthly), you'll avoid instalment processing fees and pay a lower premium.

  • Online and phone claims service
  • Online discount
    15%

The above is a summary only. Read the Product Disclosure Statements for full terms and conditions to help you make an informed product decision.

Documents and forms

Below are some of the documents important for you to consider. For the full list of documents click 'view more' below.

Product Disclosure Statement (Part A)

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


Product Disclosure Statement (Part B)

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.


ING Car Insurance Supplementary PDS (SPDS)

This SPDS applies for new policies quoted on or after 14 November 2024 and policies with a renewal date on or after 22 December 2024.

Premium, Excess and Discount (PED) Guide

This PED Guide applies to new policies quoted on or after 14 November 2024 and policies with a renewal date on or after 22 December 2024.


Privacy Policy


Customer Eligibility and Name-Screening document

FAQs

Got a question about Car Insurance?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Insurance FAQs.
ING Car Insurance
How to get covered

How to get covered

Jump-start your comprehensive car insurance in a few simple steps and get covered in minutes.

1. Get a quick quote

Answer a few questions online for an on-the-spot quote. It's that easy.

2. Review and purchase

Review your quote, add optional benefits, select policy start date and purchase within 30 days.

3. Policy confirmation

We'll send you an email with your policy documents to review that all is correct. Cover will start on the date you selected.

To request a quote, you need to be aged 16+ and have an email address. You'll need to have the following information on hand:

Type of cover you want

The vehicle in question (or registration number)

The policy holder and your car insurance history

Location the car is kept at night

Average number of kilometres the car is driven per year

Save 15% on policies online
(first year's premium only). T&Cs apply - see disclaimer below.

Get a quote

For help call 1800 619 495. For operating hours, contact us here.

Make a claim

Making a claim

Need help, fast? Here's how to make your ING Comprehensive Car Insurance claim.

1. Gather the facts

Collect as much information as possible about what happened.

2. Lodge your claim

You can lodge a claim online or get help over the phone.

3. Get your outcome

Once we have received your online claim, you will be provided with an update within two business days.

It's important to have the following at hand when lodging your claim:

Policy number

Details of the incident, including time and place

Other drivers' names, addresses, vehicle registration numbers, and insurance details

Any witnesses' names and contact details

Details of any tow-truck company used

Police report number (if applicable)

Photographs of the damage and scene (if applicable).

For the detail on cover and claims, please check the PDS Product Disclosure Statements.

Ready to make a car insurance claim?

Claim online or call 1800 619 495. For operating hours, contact us here.

Claim now

Need Roadside Assistance?

Call 24/7 on 1800 370 804