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Get Covered.
Get a chance at $10K.

Get ING Car Insurance and you could go in the draw for $10,000 cash.

T&Cs apply.

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Car cover worth roaring about

ING Car Insurance issued by Auto & General Insurance Company Limited helps keep you moving with confidence - on every drive. Get covered by 30 September 2026, and you could be in the draw to win $10,000 cash. So it really could pay to switch today.

How to enter the $10,000 Lucky Draw?

01

Get a new ING Car Insurance policy by 30 September 2026

02

Keep the policy active until 31 October 2026

03

You're automatically in the draw to win one of two $10,000 cash prizes.

More than one car? More chances to win!

Get more new policies and you could get even more entries in our $10,000 Lucky Draw.

For example:

1

Take out and hold a new policy for your car -> 1 entry.

2

Take out and hold another new policy for a second car -> another entry.

It's that simple - cover more cars, get more chances to win.

Excludes renewed policies.

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We'll draw the winners on 3 November 2026

If you're one of the two lucky winners, we'll let you know within seven days of the draw and, once verified, deposit the $10,000 into your nominated account within 90 days. You can only win a maximum of $10,000 in total — one prize only per eligible entrant.

Pick the right cover for you

Comprehensive

Save 15% online

First year's premium only. T&Cs apply - see disclaimer below.

Covers the loss or damage to your car due to an accident, theft, storm, fire and malicious damage; plus your liability for accidental damage your car causes to other people's property.

Third Party Property, Fire & Theft

Save 15% online

First year's premium only. T&Cs apply - see disclaimer below.

Includes the liability cover as provided under our Third Party Property Only car insurance plus cover for Fire & Theft.

Third Party Property Only

Save 15% online

First year's premium only. T&Cs apply - see disclaimer below.

Covers your liability for up to $20 million worth of accidental damage your car causes to other people's vehicles and property.

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Why ING Comprehensive Car Insurance?

Some of the key features include:

Tailor your cover and pay less

You can reduce your premium by limiting the drivers covered under your policy to certain age groups, paying your policy annually, or increasing your excess to a level you'd be comfortable paying in the event of a claim.

Repair guarantee

Authorised repairs are guaranteed for as long as you own the car.

New-for-old replacement

If your brand new or dealer demo car is written off within the earlier of 2 years or 40,000 km of original registration, we'll replace it with a new one or pay you the amount you originally paid for it if a replacement isn't available in Australia.

Claims without lengthy forms

Claims can be made online (24/7) and over the phone, without lengthy forms.

Cover for a hire car

If your car is out of action because of a no fault accident or it was stolen, and we agree to pay your claim, we'll arrange for a hire car for you (conditions and limits apply). Authorised hire car only and subject to availability.

Cover for towing

If your car can't be safely driven after an accident, we'll pay for the reasonable cost of towing to the repairer (or closest place of storage).

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Terms, conditions, limits and exclusions apply.

Read the Product Disclosure Statements for all the detail on standard benefits, optional benefits, limits and exclusions.

Important information

Hail alert

We'll try and give you a heads up with an SMS if a hailstorm is approaching the address where your car is normally kept - giving you time to get your car under cover quick smart.

Need to know more about ING Car Insurance?

Try these.

Product Disclosure Statement (Part A)

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

View here

Product Disclosure Statement (Part B)

This PDS applies to new policies quoted on or after 21 September 2023 and policies with a renewal date on or after 29 October 2023.

View here

ING Car Insurance Supplementary PDS (SPDS)

This SPDS applies to new policies quoted on or after 11 December 2025 and policies with a renewal date on or after 18 January 2026.

View here

Premium, Excess and Discount (PED) Guide

This PED applies to new policies quoted on or after 11 December 2025 and policies with a renewal date on or after 18 January 2026.

View here

Target Market Determination (TMD)

This TMD applies from 27 June 2024.

View here

Privacy Policy

View here

Customer Eligibility and Name-Screening document

View here

Frequently asked questions

Got a question? Chances are, you'll find the answer here.

View here

Give us a call

To speak with a customer care specialist just call 1800 619 495. For operating hours, click here.

Keep your insurance under one roof with ING Insurance

ING Home and Contents Insurance

Save 30% on combined policies purchased online (first year's premium only). T&Cs apply - see disclaimer below.

Learn more

ING Motorcycle Insurance

Save 15% on policies purchased online (first year's premium only). T&Cs apply - see disclaimer below.

Learn more

When you need us

For questions or anything else, we're here to help.

Here for you

ing.com.au/contactus

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ING Insurance (Home and Contents, Car and Motorcycle) is issued by Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 as the insurer. It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised Representative 1247634 of AGS. ING is a business name of ING Bank (Australia) Limited. An ING Insurance policy does not represent a deposit with or liability of, and is not guaranteed or otherwise supported by, ING or any of its related bodies corporate. ING will receive a commission from AGS for each policy purchased which is a percentage of the premium you pay (excluding taxes and charges for these insurance products). For further details see the Financial Services Guide.

ING Insurance is subject to AGS's underwriting and ING's Customer Eligibility and Name Screening Assessment. Home & Contents Insurance is not available in NT, North QLD or Northern WA. For Car Insurance, car details are checked against information available on redbook.com.au. For Motorcycle Insurance, motorcycle details are checked against information available on Glass's Guide.

This is general information only, and does not take into account your particular objectives, financial situation and needs and you should consider whether it is appropriate for you having regard to these factors before acting on it. Read the Product Disclosure Statement, Target Market Determination, Financial Services Guide, Key Fact Sheets (Home and Contents Insurance Only), Premium Excess & Discount Guideline (PED) (Car Insurance Only), and Roadside Assistance Terms and Conditions (Car Insurance Only) at ing.com.au, and consider if an ING Insurance product is right for you before deciding to purchase or continue to hold the product.

The price quoted is at the insurers discretion. It is based on the profile of the risk to be covered and any other factors the insurer may choose. These factors may change at any time without notice, as may the prices. Discounts are applied by the insurer. Any discounts on both new and renewing policies only apply to the extent that any minimum premium isn't reached. If the policy renews, the price may exceed the price paid for the previous policy. Premiums are subject to change. You will be responsible for all applicable GST and other statutory changes.

DISCOUNTS: All discounts are applied before government charges, taxes, levies and fees, including instalment processing fees (as applicable). The full extent of all discounts may therefore be impacted. All rights are reserved to change the offer without notice.

Online discounts below apply to the first year's premium paid for a new ING Insurance policy purchased online for approved applicants only. Online discounts do not apply to any renewal offer of insurance.

  • ING Home and Contents Insurance: 30% discount on combined Home & Contents Insurance, 15% for Home only or Contents only Insurance policies.
  • ING Car Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property, Fire & Theft Car Insurance policies.
  • ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies.

$10,000 Lucky Draw Offer Promotion - ING Car Insurance

TERMS AND CONDITIONS

  1. Information on how to enter and the prizes form part of these Terms and Conditions for this $10,000 Lucky Draw Offer ("the Promotion"). Participation in the Promotion through purchasing an Eligible Insurance Policy and being an Eligible Entrant is deemed acceptance of these Terms and Conditions.
  2. The promoter is ING Bank (Australia) Limited, ABN 24 000 893 292, AFSL 229823, Australian Credit Licence 229823 (trading as ING) of Level 28, 60 Margaret Street, Sydney NSW 2000, telephone 133 464 ("Promoter"). ING Car Insurance product is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer (Insurer). It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by the Promoter as Authorised Representative 1247634 of AGS. The Promoter receives a commission from AGS for each policy purchased (which is a percentage of the premium). For further details see the Financial Services Guide.
  3. The Promoter is responsible for the Promotion.
  4. The Promotion commences at 12:00am (AEST) on 6 August 2026 and ends at 11:59pm (AEST) on 30 September 2026 ("Promotional Period").
  5. Entry is only open to customers of the Promoter who are Australian residents aged 18 years or over, who have not opted out of this Promotion (see Clause 9) and meet the Eligible Entrant criteria during the Promotional Period.
  6. Eligible Entrants:
    1. must have successfully purchased a new (not a renewed) insurance policy for ONE of the following Eligible Insurance Policies during the Promotional Period:
      1. ING Comprehensive Car Insurance
      2. ING Third Party Property, Fire and Theft Insurance
      3. ING Third Party Property Insurance
    2. must hold at least one active (not cancelled or lapsed) Eligible Insurance Policy at 12:01am (AEST) on Saturday 31 October 2026.
  7. Employees of the Promoter, Anisimoff Legal Pty Ltd, Auto and General Insurance Limited and/or Auto and General Services Pty Ltd (and their immediate families) are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin.
  8. This promotion provides a chance for Eligible Entrants to be entered into one draw with two (2) winners. Each winner must be a different Eligible Entrant and will receive a non-transferrable non-redeemable cash prize of AUD $10,000.
  9. If an Eligible Entrant does not wish to be entered into the draw, they can contact the Promoter on 133 464 and request to be excluded up to 72 hours prior to the Draw Date (see Clause 12).
  10. Eligible Entrants will automatically receive one (1) entry for each Eligible Insurance Policy purchased during the Promotional Period.
  11. Subject to the eligibility criteria set out in these Terms and Conditions, there is a maximum of:
    1. one entry for each Eligible Insurance Policy purchased during the Promotional Period per Eligible Entrant.
    2. winners will be drawn from the draw, with a maximum payout of $10,000 per winner.
    3. a total Promotion prize pool of AU$20,000.
  12. The draw will be conducted at 10:00am (AEDT) on Tuesday 3 November 2026 at Anisimoff Legal Pty Ltd, Level 3/162 Collins St, Melbourne VIC 3000 (“Draw Date”) in the presence of an independent scrutineer. The draw will involve drawing additional reserve entries and these will be recorded in order in case an invalid or ineligible entrant is drawn.
    1. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
    2. The first two (2) eligible entries drawn will be the winners of the Promotion.
    3. Winners will be notified by electronic communication in writing within seven (7) days of the Draw Date to:
      1. verify they are not ineligible to enter, and
      2. to provide the Promoter with their relevant payment details. Where the Promoter attempts to contact the entrant within seven (7) days of the relevant Draw Date, but the contact is unsuccessful, the entrant agrees the Promoter will treat this as a forfeit of the entry and all entitlements to any prizes.
    4. The winner's details (first initial, surname, & postcode) will be published online at https://campaigns.ing.com.au/luckydrawcar-2026 on Thursday 5 November 2026 for a minimum period of 30 days.
    5. Prize/s must be claimed by 2 December 2026 (for the original winners).
    6. Reasonable efforts will be taken to distribute the prizes to the winners within 90 days of the winner being verified and payment details being confirmed.
  13. A draw for any unclaimed or declined prize/s may take place on Monday 14 December 2026 at the same time and place as the original draw, subject to any directions from a regulatory authority. Winner/s, if any, will be notified by electronic communication in writing within seven (7) days and their details will be published (first initial, surname, & postcode) online at https://campaigns.ing.com.au/luckydrawcar-2026 on 21 December 2026. Winner/s of the redraw must claim the prize by 12 January 2027.
  14. Entrants accept full responsibility for the payment details they provide the Promoter. The Promoter will not be responsible if the entrant provides incorrect payment details, any rejection of a payment or any costs associated with locating any lost monies.
  15. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter reasonably believes has does not meet the eligibility criteria, has breached any of these Terms and Conditions, tampered with the entry process or engaged in any unlawful or other improper conduct calculated to jeopardise fair and proper conduct of the Promotion. Errors and omissions may be accepted at the Promoter's discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter's legal rights to recover damages or other compensation from such an offender are reserved.
  16. The Promoter's decision is final and no correspondence will be entered into.
  17. Neither a prize, nor any portion of a prize, will be transferable or exchangeable.
  18. Winners may incur a tax liability in respect of any prize and, accordingly, should seek independent tax advice. Any tax liability is the responsibility of the winner.
  19. Entrants consent to the Promoter using their name, likeness, image and/or voice (including photograph, film and/or recording of the same) in any media for any period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any products manufactured, distributed and/or supplied by the Promoter.
  20. If this promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any Entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the promotion, as appropriate.
  21. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence) for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the promotion except to the extent that the Promoter's negligence, wilful misconduct or fraud contributed to that loss or damage.
  22. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) is not responsible for and excludes all liability (including negligence) for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of: (a) any technical difficulties or equipment malfunction (whether or not under the Promoter's control); (b) any theft, unauthorised access or third party interference; (c) any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter; (d) any variation in prize value to that stated in these Terms and Conditions; (e) any tax liability incurred by a winner or entrant; or (f) use of/taking/redeeming a prize except to the extent that the Promoter's negligence, wilful misconduct or fraud contributed to that loss or damage.
  23. The Promoter collects personal information ("PI") in order to conduct the promotion and may, for this purpose, disclose such PI to third parties, including but not limited to agents, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Entry is conditional on providing this PI. The Promoter will also use and handle PI as set out in its Privacy Policy, which can be viewed at http://www.ing.com.au/privacy.html. The Privacy Policy also contains information about how entrants may opt out of receiving direct marketing material from the Promoter, access, update or correct their PI, how entrants may complain about a breach of the Australian Privacy Principles or any other applicable law and how those complaints will be dealt with. All entries become the property of the Promoter. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (see the Promoter's Privacy Policy for details).
  24. The Promotion and these Terms of Condition will be governed by the laws and courts of New South Wales and each of the relevant jurisdictional authorities where the entrants reside.

Authorised under NSW Permit No. TP/04149. ACT Permit No. TP26/01751. and SA Licence No. T26/1361.

Save 15% on ING Car Insurance purchased online (first year's premium only). T&Cs apply - see disclaimer below.

Get a quote