ING Belgium NV/SA
NN
NN is a motor third-party liability insurance for the Belgium market with online purchase and 24/7 assistance.
Direct payment
In the event of a covered claim, NN pays the repair amount directly to the repairer under the third-party payment system; recoverable VAT and any applicable deductible remain payable by the policyholder.
Geographic scope
Belgium
Third-party liability coverage applies in all countries listed on the vehicle's insurance certificate (green card).
Unique selling points
- 24/7 claims and roadside assistance hotline (NN Assist'line) reachable every day of the year.
- A first at-fault accident after 5 claim-free years is absorbed by a 'Joker' with zero impact on the premium.
- Optional driver insurance pays up to €1,500,000 per accident for the driver's own bodily injury, even when at fault.
- Repairs at an NN-approved garage include a free replacement vehicle for the full repair duration and at least a 2-year repair guarantee.
- Optional legal defence cover reimburses up to €75,000 per claim for lawyer, expert and court costs to defend the insured's interests.
Coverage limits
Bodily injury liability (Third-party liability)
Covered
Mandatory third-party liability coverage for bodily injury caused to third parties through use of the insured vehicle. The statutory minimum amounts are set by Belgian royal decree (KB 5 February 2019, 'Minimumvoorwaarden BA Auto') and are not restated as a monetary figure in the policy documents reviewed.
Property damage liability (Third-party liability)
Covered
Mandatory third-party liability coverage for material/property damage caused to third parties through use of the insured vehicle. The statutory minimum amounts are set by Belgian royal decree (KB 5 February 2019) and are not restated as a monetary figure in the policy documents reviewed.
Legal defence / Legal assistance (Rechtsbijstand)
€75,000
Optional legal assistance cover reimbursing lawyer, expert and court costs incurred to defend the insured's interests, up to a maximum of €75,000 per claim for all insured persons combined.
Green card / International coverage
Covered
No limit stated
Territorial coverage of the mandatory liability insurance extends to all countries listed on the vehicle's insurance certificate (green card); no separate green-card monetary limit or fee is specified in the reviewed documents.
Roadside assistance (Bijstand voertuig)
€24
Optional 24/7 roadside assistance in Belgium and/or abroad, covering dispatch of a repairer, towing to a garage, and a replacement vehicle. Specific sub-limits apply, e.g. up to €200 reimbursement for self-arranged towing and up to €1,500 for combined towing, storage and dismantling costs under related Omnium extensions.
Driver accident insurance (Bestuurder+)
€1,500,000
Optional driver insurance compensating the driver for bodily injury or death resulting from a traffic accident, even when the driver is at fault, according to Belgian common-law compensation rules, up to a maximum of €1,500,000 per claim, interest included.
Passenger / vulnerable road user compensation
Covered
No limit stated
Under the mandatory third-party liability cover, bodily injury or death suffered by vulnerable road users and passengers of the insured vehicle is compensated per article 29bis of the Belgian law of 21 November 1989, regardless of fault; no separate monetary ceiling beyond the statutory scheme is stated in the reviewed documents.
Key conditions
Territorial scope
Third-party liability and (Mini-)Omnium cover apply in all countries shown on the vehicle's insurance certificate (green card).
Green card rules
The insurance certificate (green card) lists the countries where liability cover applies; no additional green card fee or separate procedure is described in the reviewed documents.
Driver restrictions
To benefit from the agreed coverage, the policyholder must correctly declare the usual driver of the vehicle; a change of usual driver triggers a new premium assessment based on that driver's experience and claims history.
Claim notification deadline
Claims must be reported as soon as possible and no later than 8 days after the policyholder becomes aware of them.
Bonus-malus rules
A claim-free discount is earned each year without an at-fault claim, reaching its maximum after 5 claim-free years; after 5 consecutive claim-free years under the Essential formula, the policyholder earns a 'Joker' that neutralises the premium impact of one subsequent at-fault claim.
Documents
NN CAR Insurance Essential - Insurance Product Information Document (IPID)
IPID
NN Car Insurance - Information Sheet (Motor Vehicle Insurance for Cars)
Other document
NN Mobility Insurance - General Provisions
Terms & conditions
NN Car Insurance Essential - General Terms and Conditions
Terms & conditions
Policy specifics
Legal assistance coverage
Optional coverage for legal costs and defense expenses in case of disputes related to motor vehicle use
SourceDriver insurance
Optional coverage that compensates the driver for medical expenses or lost income in case of personal injury from an accident where the driver is at fault
SourcePremium protection after claim
Optional coverage that prevents premium increases after the policyholder's first at-fault accident, available after 3+ years of claim-free driving
SourceMandatory third-party liability
Compulsory coverage for damage caused to third parties, legally required in Belgium for all vehicles
SourceUnderwriter: NN Non-Life
ING Car Insurance policies are underwritten by NN Non-Life (Belgian branch of Nationale Nederlanden Schadeverzekering), not directly by ING. NN Non-Life is licensed by NBB under code 2925
SourceEssential and Premium tiers
The NN mobility bundle explicitly names 'NN Car Insurance Premium of Essential' as eligible risks; this record documents the Essential tier only, since the reviewed sources provide its IPID and full terms but give no Premium-tier limits or pricing.
SourceSources
- https://www.ing.be/en/individuals/insurance/insure-my-car/car-insurance
- https://www.ing.be/en/individuals/insurance/insure-my-car/driver-insurance
- https://www.ing.be/en/individuals/insurance/insure-my-car/legal-assistance-car-insurance
- https://www.mon-assurance-auto.be/compagnies/ING-assurances.html
- https://www.nn.be/en/NNmobility/documents?lang-choice=1