ING Casco (own-damage car insurance) (Ing Omnium Full)
Underwritten by NN Non-life (Belgian branch of Nationale-Nederlanden Schadeverzekering Maatschappij N.V., NBB code 2925) · Belgium
casco (own-damage car insurance) from ING for the Belgium market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026Sources
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
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
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.
Section: Y a-t-il des restrictions de couverture ?
Pertes indirectes : en cas de perte totale, vous recevez 10 % d’indemnisation supplémentaire ;
Partial damage / material damage
Covered
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.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
Omnium : elle vous protège contre les dommages causés par des événements imprévus (bris de glace, vol, incendie, grêle...), mais aussi contre les dommages causés à votre véhicule si vous êtes en tort ;
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.
Section: De verzekeringen > De (optionele verzekering) Mini-Omnium
Het verzekerde voertuig is zowel gedekt voor diefstal als voor de schade ten gevolge van een poging tot diefstal.
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.
Section: De verzekeringen > De (optionele verzekering) Mini-Omnium
Deze waarborg dekt schade aan de voorruit, achterruit, zijruiten en het glas van zonne- en panoramadaken.
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.
Section: De verzekeringen > De (optionele verzekering) Mini-Omnium
Als het verzekerde voertuig door hagel, storm of orkaan, springtij of overstroming, vallende stenen en rotsen, aardverschuivingen of aardbeving, lawine zou beschadigd worden, vergoedt deze verzekering de schade.
Vandalism
Covered
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.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
Assistance en Belgique et/ou à l’étranger : offre une couverture en cas de panne en Belgique et/ou à l’étranger ;
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
€1.5M
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.
Section: Qu'est-ce qui est assuré ? > Assurances optionnelles
L’Assurance Conducteur+ : indemnise les frais médicaux ou la perte de salaire en cas d’incapacité de travail lorsque vous êtes blessé à la suite d’un accident en tort jusqu’à 1 500 000 euros. Un éventuel décès est également couvert ;
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.
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.
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.
Territorial scope
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.
Documents
ING Auto Insurance General Terms and Conditions (NL, 2011) (opens in a new tab)
Terms & conditions · PDF
ING Auto Insurance General Terms and Conditions (FR, 2009) (opens in a new tab)
Terms & conditions · PDF
NN CAR Insurance - Insurance Product Information Document (FR) (opens in a new tab)
Product information sheet · PDF
NN Car Insurance - Information sheet (NL) (opens in a new tab)
Other document · PDF
NN Car Insurance - Information sheet (FR) (opens in a new tab)
Other document · PDF
Policy specifics
Deductible (excess/franchise) options
ING offers fixed deductible options of €400, €600, and €800 for omnium
SourceSection: Het advies van de expert
Bij een Full-Omnium behoudt ING de aankoopwaarde van uw auto op 100% gedurende 24 maanden en er worden 3 vaste vrijstellingen van € 400, € 600 en € 800 voorgesteld.
Approved repair network
Claims may be subject to repair at approved repair shops
SourceClause Artikel 4Page 30Section: I. Basiswaarborgen > C. Service bij schade > Artikel 4 Welke voordelen worden toegekend wanneer de verzekerde een door ING erkende garage kiest?
dan kan de verzekerde kiezen de herstelling toe te vertrouwen aan een door ING erkende garage.
No-claims bonus joker option
Paid optional joker protection to prevent premium increase after first accident
SourceSection: Welke facultatieve opties biedt ING Verzekeringen (NN Non-life)?
UNIEK: Premiebescherming na een ongeval: zorgt ervoor dat uw premie niet stijgt na een eerste ongeval in fout. Je kunt deze extra dekking afsluiten zodra je meer dan 3 jaar zonder schade hebt gereden.
Insurer claims settlement mechanism
Claims managed by NN Non-Life through NN Insurance Services Belgium
SourceSection: Hoe meld je een schadegeval bij ING?
Stuur het ingevulde Europese ongevalsaangifteformulier per e-mail naar [email protected]
Sources
- assets.ing.comhttps://assets.ing.com/m/4789486229a22bf7/general-conditions-INGAuto-NL-2016.pdf#page=16(opens in a new tab)
- prdvzkcdn.blob.core.windows.nethttps://prdvzkcdn.blob.core.windows.net/img/insurance-documents/general-conditions/nl/Inlichtingenfiche%20NN%20Car%20Insurance.pdf#page=7(opens in a new tab)
- autoverzekering-berekenen.behttps://www.autoverzekering-berekenen.be/verzekeringsmaatschappij/ING.html(opens in a new tab)
- ing.behttps://www.ing.be/nl/particulieren/verzekeren/mijn-wagen-verzekeren/omnium-verzekering(opens in a new tab)
- sure.behttps://www.sure.be/wp-content/uploads/2023/06/NN-Mobility-Information-produit-IPID.pdf#page=1(opens in a new tab)
ING Casco (own-damage car insurance)