ING Casco (own-damage car insurance) (Autoverzekering Wa All Risk)
Underwritten by Nationale-Nederlanden Schadeverzekering Maatschappij N.V. · Netherlands
casco (own-damage car insurance) from ING for the Netherlands market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2023-05-01Sources
Unique selling points
Repairing via the Schadegarant network means the insurer pays the garage directly and you get a loan car during repairs.
Windscreen repairs via the Glasgarant network are free of any deductible and available 24/7.
You can cancel your policy on any day with no minimum contract lock-in period.
The standard 12-month new-value guarantee after total loss can be extended up to 36 months.
Non-factory accessories are automatically covered up to €2,500 per claim at no extra cost.
Coverage limits
Own vehicle damage (including self-caused)
100% of insured sum
Covers damage to your own vehicle caused by collision, hitting/being hit, rolling over, running off the road or into water, vandalism, looting/riots, or any other external peril - including when the policyholder caused the damage themselves; this is on top of all WA and WA Plus perils.
Total loss settlement
100% of insured sum
If repair costs exceed the vehicle's current value minus residual value, the vehicle is total loss; settlement equals that difference, or if higher, the ANWB trade-in 'replacement value' plus 10% just before the event. New/near-new vehicles may qualify for the new-value or purchase-value scheme (standard 12 months, extendable to 36 months), which pays the highest applicable value.
Partial / repairable damage
Covered
If the vehicle can be repaired, the claim amount equals the repair costs, unless those costs exceed the total-loss threshold.
Theft and burglary
Covered
Covers loss of or damage to the vehicle from theft, burglary, joyriding, embezzlement of the whole vehicle, or fraud by a third party, subject to reasonable care having been taken. Settlement equals current value or, if higher, ANWB replacement value +10%. During a 20-calendar-day search period the policyholder may choose a €20/day allowance (max 20 days) or a replacement vehicle; lock/key replacement after key theft carries no deductible.
Glass damage
Covered
Covers breakage or cracking of the front, rear or side windows and sunroof/panoramic roof glass, plus resulting damage from glass shards. Repair via the Glasgarant network is free of deductible; repair outside the network costs €150 deductible; replacement outside the network adds an extra €400 deductible on top of any policy deductible.
Fire, storm and natural hazards
Covered
Covers damage from fire (including self-ignition), explosion, direct lightning strike or induction, short circuit, collision with wild/loose animals (including consequential damage), hail, aircraft crash or falling parts, natural disasters (flood, earthquake, volcanic eruption, avalanche), storm (wind force >=7 / 14 m/s), and damage during transport of the vehicle by boat, train or plane.
Vandalism, looting and riots
Covered
Covers damage to the vehicle caused by vandalism, looting or riots, and any other external peril, including when self-caused.
Roadside / accident assistance
Covered
Standard assistance (all tiers) via the 24/7 ING Alarmcentrale covers help after an accident, fire, theft or wrong fuel in NL and abroad (towing, transport of occupants, hotel up to €80/person max €400 total, 2nd class train). Assistance for mechanical/electronic breakdowns not related to an accident requires the optional Pechhulp Nederland module (max 4 breakdown cases/year, replacement car for max 2) or Pechhulp Europa module (max 7 cases/year, replacement car up to 21 days for max 2 cases).
Replacement vehicle
Conditional
A replacement vehicle is provided for up to 5 calendar days if the vehicle is total loss and repaired via the Schadegarant network; during the 20-day theft search period a replacement vehicle can be chosen instead of the daily allowance; the optional Pechhulp Nederland module provides a replacement vehicle for up to 2 breakdown cases/year, and Pechhulp Europa for up to 2 cases/year for up to 21 days (fuel costs excluded). The insurer determines the make/model provided.
Driver accident / injury cover
Excluded
Damage to or injury of the driver of the insured vehicle is never covered under WA All risk; driver and occupant injury can only be insured via the separate optional Schade Inzittenden (Occupant Damage) module.
Section: Wat is niet verzekerd? > Schade aan bestuurder
Schade aan de bestuurder van je auto valt nooit onder de dekking van de Autoverzekering WA All risk. Je kan dit wel verzekeren met de module Schade Inzittenden.
Key conditions
Driver age and experience limit
No explicit minimum policyholder age is stated in the T&Cs; however, a driver under 18 is only covered when accompanied by a supervisor under the begeleiderspas (2toDrive) scheme, and cover is void if the driver held no valid driving licence for the vehicle.
Repair network requirements
Repairs via the Schadegarant network mean the insurer pays the garage directly, and glass repairs via the Glasgarant network carry no deductible; using a repairer outside either network requires the policyholder to pay upfront and incurs an additional €400 deductible (or €150 for glass repair, €400 for glass replacement).
Anti-theft requirements
Theft cover only applies if the policyholder took reasonable care; there is no cover if keys were stolen or lost without adequate precautions, or if the vehicle was left unattended unlocked or with the keys inside.
Claim notification deadline
Report damage to the insurer as soon as possible; for a criminal offence such as theft, joyriding, burglary, vandalism, or a hit-and-run, report to the police immediately; for a stolen vehicle, a 20-day search period starts after the police report and notification before a theft payout is made; transport damage not visible externally must be reported to the towing company within three working days of delivery.
Deductible rules
Multiple applicable deductibles are added together. Beyond the standard policy deductible, an extra €400 applies if repairs are done outside the Schadegarant network or not repaired at all; for glass, repair outside Glasgarant costs €150, and replacement outside Glasgarant adds €400 on top of any policy deductible; lock/key replacement after theft carries no deductible.
Direct payment
ING pays repair costs directly to garages within the Schadegarant network and glass repairers within the Glasgarant network; the policyholder only pays any applicable deductible to the repairer.
Territorial scope
Cover applies in the countries shown on the International Motor Insurance Card; the Pechhulp Nederland module does not cover the Wadden islands Vlieland and Schiermonnikoog
Documents
Policy specifics
Own vehicle damage (self-caused)
Coverage for damage to own vehicle including damage caused by the insured party themselves (collision, vandalism, etc.)
SourceInsurers' association documentSection: Welk soort verzekering is dit?
maar ook voor schades aan je eigen auto door elk ander van buiten komend gevaar, zoals een aanrijding of vandalisme. Ook als het je eigen schuld is.
Theft, fire, storm, and natural hazards (Allrisk includes WA Plus elements)
Allrisk coverage includes all WA Plus coverage elements (fire, storm, natural disasters, theft) plus own-fault collision
SourceInsurers' association documentSection: Welk soort verzekering is dit?
ben je niet alleen verzekerd voor alle schades die je met je auto aan anderen toebrengt (WA) en diefstal, storm en brand (WA Plus), maar ook voor schades aan je eigen auto door elk ander van buiten komend gevaar, zoals een aanrijding of vandalisme.
Accessories coverage limit
Damage to car accessories (non-factory installed parts) is standard covered up to maximum €2,500 per claim
SourceInsurers' association documentSection: Zijn er dekkingsbeperkingen? > Accessoires
Schade aan accessoires van je auto ontstaan door een gedekte gebeurtenis is standaard verzekerd tot maximaal € 2.500 per gebeurtenis.
Glass repair network (Glasgarant)
Use of Glasgarant network for glass repairs provides zero deductible on glass repair (deductible applies only to replacement)
SourceDamage settlement network (Schadegarant)
Direct payment to repair facilities within Schadegarant network; no deductible when using network facilities. Extra €400 deductible applies if not using network.
SourceNew value coverage period
For total loss, replacement value is paid based on vehicle age; typically 24-month new value period for recent vehicles under Allrisk
SourceLiability coverage limits (WA component)
Maximum €7,500,000 per claim for personal injury; maximum €2,500,000 per claim for property damage (statutory WA minimums)
SourceInsurers' association documentSection: Wat is verzekerd? > Extra informatie
Als iemand door jouw schuld gewond is geraakt, dan vergoeden we maximaal € 7.500.000 per gebeurtenis. Als je schade hebt veroorzaakt aan andermans auto of andere spullen, dan vergoeden we maximaal € 2.500.000 per gebeurtenis.
Daily cancellation right
Policy can be cancelled daily at any time via ing.nl/verzekeren or by phone (020 22 888 88)
SourceInsurers' association documentSection: Hoe zeg ik mijn contract op?
Direct na het afsluiten kun je de verzekering dagelijks opzeggen via ing.nl/verzekeren of telefonisch via 020 22 888 88.
Automatic annual renewal
Insurance term is 1 year; automatically renewed each year unless cancelled by the policyholder
SourceInsurers' association documentSection: Wanneer begint en eindigt de dekking?
De verzekeringstermijn is 1 jaar. Daarna wordt de verzekering elk jaar automatisch met 1 jaar verlengd.
No loss of claim-free years for cyclist/pedestrian collisions (own fault excluded)
Collision claims involving cyclists or pedestrians where policyholder bore no fault do not affect claim-free years
SourceInsurers' association documentSection: Wanneer en hoe betaal ik? > Beloning bij geen schade > Extra informatie
zijn ontstaan door een aanrijding met een fietser of voetganger waar je niets aan kan doen.
Additional modules not affecting claim-free years
Claims under modules for occupant damage, legal assistance, and roadside assistance (Pechhulp) do not reduce claim-free years
SourceInsurers' association documentSection: Wanneer en hoe betaal ik? > Beloning bij geen schade > Extra informatie
vallen onder de aanvullende modules Schade Inzittenden, Rechtsbijstand en Pechhulp;
Driver damage exclusion
Damage to the driver of the insured vehicle is never covered under Allrisk; must be added via separate occupant damage module
SourceInsurers' association documentSection: Wat is niet verzekerd? > Schade aan bestuurder
Schade aan de bestuurder van je auto valt nooit onder de dekking van de Autoverzekering WA All risk. Je kan dit wel verzekeren met de module Schade Inzittenden.
Sources
ING Casco (own-damage car insurance)