ING Bank N.V.

Territorial scope

The policy provides cover in all countries listed on the International Insurance Certificate (Green Card) that are not crossed out, generally covering the EU and a number of other European and Mediterranean countries.

Green card rules

Policyholders automatically receive an International Insurance Certificate (formerly the Green Card) when the policy starts, listing the countries in which coverage applies; coverage does not apply to any country crossed out on the certificate.

Driver restrictions

No cover applies if the driver did not hold a valid Dutch driving licence, was disqualified from driving, did not meet special licence conditions, or was driving under the influence of alcohol, drugs, laughing gas or medication to a degree that would result in a driving ban; a licence invalid only because its validity period expired is excepted for drivers under 76.

Claim notification deadline

Claims must be reported to ING as soon as possible; no exact number of days is specified in the policy, but theft, joyriding, break-in, vandalism, or a hit-and-run by an unknown driver must be reported to the police immediately.

Bonus-malus rules

A no-claim discount system based on claim-free years (schadevrije jaren) applies, ranging up to a maximum of 80% for 20 or more claim-free years. One claim-free year is added after a year without a paid claim; a paid claim reduces the number of claim-free years according to a fixed table. Claims fully recovered from a third party and claims under the optional Schade Inzittenden, Rechtsbijstand and Pechhulp modules do not affect the discount.

Schadegarant repair network benefit

Claims settled directly with repair network partners at Schadegarant; extra €400 deductible applies for repairs outside the network

Glasgarant glass repair network benefit

Glass damage (ruitschade) can be repaired through Glasgarant network at selected repair shops with reduced deductible; €0 deductible for glass repair, €150-€1200+ for replacement depending on chosen deductible

Replacement vehicle in case of total loss

When insured vehicle is total loss, ING directly pays storage and assessment costs to repair shop; additional €400 deductible applies if no Schadegarant repair shop is used or car is not repaired

No-claim bonus protection on certain claim types

Claims for damage covered under Brand, Storm en Natuur, Diefstal, and Ruit in WA Plus coverage do not reduce no-claim bonus; fully recovered claims from third party also exempt

Accessory coverage limit

Standard coverage for damage to vehicle accessories (aftermarket parts, audio equipment, etc.) is limited to €2,500 per occurrence across all coverage types

Driver injury not covered under main policy

Injury or death of driver is never covered under WA, WA Plus, or All Risk coverage; must be separately insured via optional 'Schade Inzittenden' (Occupant Damage) module

WA liability coverage limits

Maximum coverage for bodily injury caused by insured vehicle: €7,500,000 per occurrence; maximum for property damage: €2,500,000 per occurrence

Occupant accident module payout cap

The optional Module Schade Inzittenden pays out a maximum of €1,000,000 per event for injury and property damage suffered by the driver and passengers, regardless of fault.

Direct claim settlement with repair network

Claims are settled directly with Schadegarant repair network partners; ING pays repair shops directly instead of reimbursing policyholder

Security requirements for theft/burglary coverage

Certain vehicles must meet minimum security class requirements to be covered for theft, burglary (inbraak), or joyriding (diefstal proefrit); ING displays required security class at policy application stage

Annual policy term with automatic renewal

ING Car Insurance operates on 1-year policy terms that automatically renew each year; cancellation permitted daily at any time, even during first year (daily termination right)

Premium payment by automatic debit

ING Car Insurance premium is paid in advance via automatic bank debit; policyholder can choose monthly or annual payment frequency

International Insurance Certificate (Green Card) issued

Policyholder receives International Insurance Certificate (formerly 'Green Card') listing all countries where ING Car Insurance coverage applies; coverage extends to all listed countries unless specifically crossed out

Direct settlement with the injured third party

For WA claims, Nationale-Nederlanden may pay compensation directly to the injured third party or reach a settlement with them, within the limits of the policyholder's cover.