ING Belgium NV/SA
ING
ING is a motor casco insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
When repairs are carried out at a garage approved by the insurer, invoices are settled directly between the insurer and the garage (third-party payment), and a replacement vehicle can be provided for the duration of the repair.
Geographic scope
Belgium
Coverage for Civil Liability and (Mini-)Omnium is valid in the countries shown on the insurance (green) card; other guarantees follow the general terms and conditions.
Unique selling points
- Full omnium keeps the vehicle's purchase value at 100% for 24 months, longer than many market-standard depreciation schedules.
- The entire subscription process, including signature, can be completed online via itsme without visiting a branch.
- Policyholders can choose between three fixed deductible levels (€400, €600 or €800) to tailor the premium to their needs.
- A free replacement vehicle and third-party payment are provided when repairs are carried out at an insurer-approved garage.
- Claims assistance after an accident in Belgium is available 24 hours a day, 7 days a week.
Coverage limits
Own vehicle material damage
Optional
Only in Full Omnium
The optional Omnium guarantee compensates damage to the insured vehicle even when the policyholder is at fault; repair costs can never exceed the real value of the vehicle.
Total loss compensation
Covered
Only in Full Omnium
Total loss of the vehicle is compensated under the Omnium guarantee; an optional 10% additional indemnity on total loss is available via the 'indirect losses' option or Premium Pack.
Partial damage / material damage
Covered
Only in Full Omnium
Omnium protects against damage caused to the vehicle by unforeseen events (glass breakage, theft, fire, hail...) as well as damage caused to the vehicle when the policyholder is at fault.
Theft / robbery
Covered
The insured vehicle is covered against theft and damage resulting from an attempted theft; this is one of the Mini-Omnium sub-guarantees, which is fully included within the Full Omnium guarantee.
Glass breakage
Covered
Covers damage to the windscreen, rear window, side windows and glass of sunroofs/panoramic roofs; part of the Mini-Omnium sub-guarantees included in Full Omnium.
Natural disasters
Covered
Compensates damage caused by hail, storm/hurricane, spring tide or flooding, falling stones/rocks, landslides or earthquakes, avalanches; part of the Mini-Omnium sub-guarantees included in Full Omnium.
Vandalism
Covered
Only in Full Omnium
Vandalism damage is covered under the Full Omnium guarantee, subject to specific conditions (e.g. a franchise per claim).
Breakdown / roadside assistance
Optional
Assistance in case of a breakdown in Belgium and/or abroad is an optional guarantee; a basic post-accident 'Service in case of a claim' (towing, transport) in Belgium is included in the base policy regardless of Omnium.
Replacement vehicle
Conditional
A replacement vehicle is provided free of charge for the duration of the repair when the repair is carried out by a garage approved by the insurer; if repairs cannot be done on-site under the optional breakdown-assistance guarantee, a replacement vehicle is also provided for the normal repair duration.
Driver injury insurance
€1,500,000
The optional 'Driver+' insurance compensates medical costs or loss of income in case of incapacity to work when the driver is injured following an at-fault accident, up to €1,500,000; death is also covered.
Key conditions
Driver age and experience limit
The policy is intended for natural persons (and, for the ING-distributed NN car product, also legal entities/self-employed) from 18 years of age with their main residence in Belgium.
Repair network requirements
Using a garage approved by the insurer gives access to benefits such as a free replacement vehicle and direct settlement of the invoice between insurer and garage; repairs outside the approved network may involve a higher deductible.
Territorial scope
Civil Liability and (Mini-)Omnium coverage apply in the countries listed on the insurance (green) card issued with the policy.
Anti-theft requirements
The policyholder must accurately declare the vehicle's characteristics and habitual driver when taking out the contract; specific anti-theft device requirements for cars are not detailed in the available official sources.
Claim notification deadline
Any claim must be reported as soon as possible and at the latest within 8 days from the moment the policyholder becomes aware of it.
Deductible rules
The optional Omnium guarantee carries a deductible of at least €400; in case of total loss, a monthly depreciation applies per month started, depending on the chosen formula.
Where to buy
Documents
ING Auto Insurance General Terms and Conditions (NL, 2011)
Terms & conditions
ING Auto Insurance General Terms and Conditions (FR, 2009)
Terms & conditions
NN CAR Insurance - Insurance Product Information Document (FR)
IPID
NN Car Insurance - Information sheet (NL)
Other document
NN Car Insurance - Information sheet (FR)
Other document
Policy specifics
Deductible (excess/franchise) options
ING offers fixed deductible options of €400, €600, and €800 for omnium
SourceApproved repair network
Claims may be subject to repair at approved repair shops
SourceSource no longer reachableNo-claims bonus joker option
Paid optional joker protection to prevent premium increase after first accident
SourceInsurer claims settlement mechanism
Claims managed by NN Non-Life through NN Insurance Services Belgium
Source