ING Motor third-party liability (Autoverzekering Wa)
Underwritten by Nationale-Nederlanden Schadeverzekering Maatschappij N.V. · Netherlands
motor third-party liability insurance from ING for the Netherlands market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2023-05-01
Unique selling points
24/7 claims reporting and assistance after an accident via the ING Alarmcentrale, in the Netherlands and abroad; breakdown assistance is available as an optional module.
No deductible when repairs are carried out via the Schadegarant or Glasgarant networks, with costs paid directly to the repairer.
Daily cancellation right on the policy, from the moment it is taken out.
No-claim discount can build up to a maximum of 80% for policyholders with many claim-free years.
Fast, fully online quote and policy issuance via ing.nl or the ING app, integrated with the customer's existing ING banking products.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€7.5M
Legal assistance (Rechtsbijstand module)
—
Available as an optional add-on module, provided by DAS. The cost ceiling depends on the type of dispute: unlimited for traffic-accident damage disputes and disputes about contracts related to the car, but capped at €5,000 for criminal traffic proceedings; if the policyholder chooses their own external legal representative instead of DAS's in-house specialist, external costs are capped at €12,500 per event.
International Insurance Certificate (Green Card)
Covered
Policyholders automatically receive an International Insurance Certificate (formerly the Green Card) listing the countries where the policy applies; coverage is valid in all listed countries that are not crossed out.
Section: Waar ben ik gedekt?
Bij je polis krijg je een Internationaal Verzekeringsbewijs (voorheen de Groene Kaart). Deze verzekering geldt in alle landen die op het Internationale Verzekeringsbewijs staan en die niet zijn doorgestreept.
Accident roadside assistance
Covered
Basic assistance after an accident (not a mechanical breakdown) is included via the 24/7 ING Alarmcentrale: towing the vehicle, repatriation, and transport of the driver and passengers, in the Netherlands and abroad in countries listed on the Green Card, including limited hotel costs (max €80 per person, €400 total) and 2nd-class rail. Assistance for mechanical or electronic breakdowns is only available via the separate optional Pechhulp Nederland and Pechhulp Europa modules.
Driver accident cover (Occupant Damage module)
€1M
Injury to the driver is never covered under the base WA liability policy; it must be separately insured via the optional Module Schade Inzittenden (Occupant Damage), which pays out up to €1,000,000 per event for injury and property damage to the driver and other occupants, regardless of who caused the accident.
Section: Wat is verzekerd? > Keuze: schade Inzittenden
De module Schade Inzittenden vergoedt na een ongeval letselschade en schade aan spullen van de bestuurder en inzittenden van je auto. Het maakt hierbij niet uit wie het ongeval veroorzaakt heeft. De maximale uitkering op de module Schade Inzittenden is € 1.000.000 per gebeurtenis.
Passenger accident cover (Occupant Damage module)
€1M
Passengers are not covered for their own injury under the base WA liability policy; this is available via the optional Module Schade Inzittenden, which pays out up to €1,000,000 per event, shared between the driver and all passengers, regardless of who caused the accident.
Section: Wat is verzekerd? > Keuze: schade Inzittenden
De maximale uitkering op de module Schade Inzittenden is € 1.000.000 per gebeurtenis. Dit bedrag geldt voor de bestuurder en andere inzittenden van je auto samen.
Key conditions
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.
Territorial scope
Coverage applies in all countries listed on the International Insurance Certificate (Green Card) that are not crossed out; this generally includes the EU and a number of other European and Mediterranean countries.
Documents
ING Car Insurance Terms and Conditions (UIAuto-01) (opens in a new tab)
Terms & conditions · PDF
IPID - ING Car Insurance WA (opens in a new tab)
Product information sheet · PDF
IPID - ING Car Insurance WA Plus (related product line) (opens in a new tab)
Product information sheet · PDF
IPID - ING Car Insurance WA All risk (related product line) (opens in a new tab)
Product information sheet · PDF
Policy specifics
Schadegarant repair network benefit
Claims settled directly with repair network partners at Schadegarant; extra €400 deductible applies for repairs outside the network
SourceGlasgarant 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
SourceReplacement 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
SourceNo-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
SourceInsurers' association documentSection: Wanneer en hoe betaal ik? > Beloning bij geen schade > Extra informatie
Je valt onder andere niet terug in het aantal schadevrije jaren bij schades die: • volledig verhaald worden op de tegenpartij; • vallen onder de aanvullende modules Schade Inzittenden, Rechtsbijstand en Pechhulp; • vallen onder de onderdelen Brand, Storm en Natuur, Diefstal en Ruit in de Autoverzekering WA Plus;
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
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.
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
SourceInsurers' association documentSection: Zijn er dekkingsbeperkingen? > Schade aan bestuurder
Schade aan de bestuurder van je auto valt nooit onder de dekking van de Autoverzekering WA Plus. Je kan dit wel verzekeren met de module Schade Inzittenden.
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
SourceInsurers' association documentSection: Wat is verzekerd? > Aansprakelijkheid (WA) > 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.
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.
SourceInsurers' association documentSection: Wat is verzekerd? > Keuze: schade Inzittenden
De maximale uitkering op de module Schade Inzittenden is € 1.000.000 per gebeurtenis. Dit bedrag geldt voor de bestuurder en andere inzittenden van je auto samen.
Direct claim settlement with repair network
Claims are settled directly with Schadegarant repair network partners; ING pays repair shops directly instead of reimbursing policyholder
SourceSecurity 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
SourceInsurers' association documentSection: Zijn er dekkingsbeperkingen? > Beveiliging
Sommige auto's moeten voldoen aan een bepaalde beveiligingsklasse om verzekerd te zijn tegen inbraak, diefstal of joyriding. Dit krijg je direct te zien als je je autoverzekering aanvraagt.
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)
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. Je kunt jouw verzekering dagelijks opzeggen.
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
SourceInsurers' association documentSection: Wanneer en hoe betaal ik?
Je betaalt je premie vooraf via automatische incasso. Je kunt kiezen of je de premie maandelijks of per jaar betaalt.
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
SourceInsurers' association documentSection: Waar ben ik gedekt?
Bij je polis krijg je een Internationaal Verzekeringsbewijs (voorheen de Groene Kaart). Deze verzekering geldt in alle landen die op het Internationale Verzekeringsbewijs staan en die niet zijn doorgestreept.
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.
SourceING Motor third-party liability