ING building insurance: what each policy covers, and who underwrites it
1 building policy from ING. For each: how the building is valued, whether flood and accidental damage are covered, and what happens once the building is left empty, with the sentence from its own documents. Underwritten by Auto & General Insurance Company Limited.
- Website
- ing.com.au/
- What it is
- Brand
- Listed on
- Houses and rental properties
- Underwriter
- Auto & General Insurance Company Limited
- APRA
- Authorised by APRA to write new general insurance (listed as Auto & General Insurance Company Limited)
- Sold by
- Auto & General Services Pty Ltd (ING Bank (Australia) Ltd is its authorised representative) · AFSL 241411 · authorised representative no. 1247634
Building policies
ING Home Insurance (building cover)
- Type
- Home building · Residential
- Sold
- Not stated
- Building valued as
- Sum insured
- Flood
- Optional extra
- Accidental damage
- Optional extra
- Left empty
- Extra $1,000 excess after 60 days; no cover at all after 180 days. You must tell the insurer. After 60 days security conditions also apply (home locked, lawns and mail kept, regular checks); breaching them lets the insurer refuse or reduce a claim.
- Documents
- Home and Contents Insurance Product Disclosure Statement (21 September 2023) · Key Facts Sheet - Home Building (21 September 2023) · Supplementary PDS (October 2026) (7 October 2026) · Target Market Determination
- Flood cover is an optional extra, not automatic.
- Accidental Damage is an optional extra.
- An optional 'Sum Insured Safeguard' can raise the payout by up to 25% of the sum insured; it is not included automatically.
The policy
“ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.”
Source: ing.com.au/insurance/home-and-contents-insurance.html · Confirmed on the insurer's page on 13 November 2026.
How the building is valued
“Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).”
Source: ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf · Confirmed on the insurer's page on 13 November 2026.
Flood
“Flood is not automatically covered but you can apply for optional Flood cover.”
Source: ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf · Confirmed on the insurer's page on 13 November 2026.
Accidental damage
“Optional – A separate optional cover called ‘Accidental Damage’ is available to cover damage to other home building items.”
Source: ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf · Confirmed on the insurer's page on 13 November 2026.
Left empty
“When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.”
Source: ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf · Confirmed on the insurer's page on 13 November 2026.
Who underwrites and sells it
Underwriter
“ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.”
Source: ing.com.au/insurance/home-and-contents-insurance.html · Confirmed on the insurer's page on 13 November 2026.
Who sells it
“It is distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and by ING Bank (Australia) Ltd ABN 24 000 893 292 as Authorised Representative 1247634 of AGS.”
Source: ing.com.au/insurance/home-and-contents-insurance.html · Confirmed on the insurer's page on 13 November 2026.
Auto & General Insurance Company Limited: licence
- AFS licence
- 285571 · AUTO & GENERAL INSURANCE COMPANY LIMITED
- ABN
- 42111586353
- Licensed since
- 15 June 2005
- Principal business
- Toowong QLD 4066
- General insurance
- Licensed to deal in general insurance products
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Distributor's licence
- AFS licence
- 241411 · AUTO & GENERAL SERVICES PTY LTD
- ABN
- 61003617909
- Licensed since
- 10 March 2004
- Principal business
- Toowong QLD 4066
From ASIC's AFS Licensee dataset, release of 11 November 2026, Creative Commons Attribution 3.0 Australia.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. What each policy covers and who underwrites it are read from each insurer's own documents by hand and re-checked daily, so a change can take a day to appear, and the policy wording you are issued is what applies to you. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.