{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "ing",
  "name": "ING",
  "website": "https://www.ing.com.au/",
  "kind": "brand",
  "underwriter": "Auto & General Insurance Company Limited",
  "underwriter_abn": "42111586353",
  "underwriter_afsl": "285571",
  "lloyds": false,
  "distributor": {
   "name": "Auto & General Services Pty Ltd (ING Bank (Australia) Ltd is its authorised representative)",
   "abn": "61003617909",
   "afsl": "241411",
   "authorised_representative_no": "1247634"
  },
  "products": [
   {
    "name": "ING Home Insurance (building cover)",
    "type": "home_building",
    "segment": "residential",
    "channel": null,
    "online_quote": null,
    "cover_basis": "sum_insured",
    "buffer_percent": null,
    "flood": "optional",
    "accidental_damage": "optional",
    "levels": [],
    "eligibility": null,
    "states": null,
    "documents": [
     {
      "title": "Home and Contents Insurance Product Disclosure Statement",
      "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Key Facts Sheet - Home Building",
      "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "date": "2023-09-21"
     },
     {
      "title": "Supplementary PDS (October 2026)",
      "url": "https://www.ing.com.au/pdf/Insurance/ing_home_insurance_supplementary_pds_spds_october_2026.pdf",
      "date": "2026-10-07"
     },
     {
      "title": "Target Market Determination",
      "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/TMD.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.",
      "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.",
       "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=ING%20Home%20and%20Contents%20Insurance,353%20AFSL%20285571%20as%20insurer.",
       "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e",
       "confirmed": "2026-11-13"
      }
     },
     "cover_basis": {
      "text": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
      "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Under this policy, you set the maximum level of cover and your payout is limited to that amount (Sum Insured).",
       "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf#page=1",
       "page": 1,
       "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0",
       "confirmed": "2026-11-13"
      }
     },
     "flood": {
      "text": "Flood is not automatically covered but you can apply for optional Flood cover.",
      "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Flood is not automatically covered but you can apply for optional Flood cover.",
       "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf#page=9",
       "page": 9,
       "document_sha256": "e74a9aadd9a406ac511c84ce1525264de9ae73d04ef8c5d9f179b278f505d434",
       "confirmed": "2026-11-13"
      }
     },
     "accidental_damage": {
      "text": "Optional – A separate optional cover called ‘Accidental Damage’ is available to cover damage to other home building items.",
      "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Optional – A separate optional cover called ‘Accidental Damage’ is available to cover damage to other home building items.",
       "url": "https://ing.disconline.com.au/branding/resources/documents/legal/home/HBKFS.pdf#page=1",
       "page": 1,
       "document_sha256": "4da8db6e67a325777742587777218055abc0c3ee56d31f81dcff3d22f6fc5ff0",
       "confirmed": "2026-11-13"
      }
     },
     "unoccupied": {
      "text": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
      "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "When your home is unoccupied for more than 60 consecutive days and you make a claim, an additional excess of $1,000 will apply.",
       "url": "https://ing.disconline.com.au/branding/resources/EXIG/legal/home/HPDSEXIG.pdf#page=16",
       "page": 16,
       "document_sha256": "e74a9aadd9a406ac511c84ce1525264de9ae73d04ef8c5d9f179b278f505d434",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "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."
    ],
    "unoccupied": {
     "days": 60,
     "effect": "extra_excess",
     "excess": 1000,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": true,
     "conditions": "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.",
     "then": {
      "days": 180,
      "effect": "no_cover"
     },
     "label": "Extra $1,000 excess after 60 days; no cover at all after 180 days"
    },
    "id": "home-insurance-building-cover",
    "type_label": "Home building",
    "issuers": [
     {
      "name": "Auto & General Insurance Company Limited",
      "abn": "42111586353",
      "afsl": "285571",
      "lloyds": false,
      "slug": "auto-and-general-insurance",
      "apra": {
       "status": "authorised",
       "name": "Auto & General Insurance Company Limited",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "285571",
       "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
       "abn": "42111586353",
       "acn": null,
       "licensed_since": "2005-06-15",
       "locality": "Toowong QLD 4066",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.",
    "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "ING Home and Contents Insurance is issued by Auto & General Insurance Company Ltd ABN 42 111 586 353 AFSL 285571 as insurer.",
     "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=ING%20Home%20and%20Contents%20Insurance,353%20AFSL%20285571%20as%20insurer.",
     "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e",
     "confirmed": "2026-11-13"
    }
   },
   "distributor": {
    "text": "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.",
    "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "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.",
     "url": "https://www.ing.com.au/insurance/home-and-contents-insurance.html#:~:text=It%20is%20distributed%20by%20Auto,Authorised%20Representative%201247634%20of%20AGS.",
     "document_sha256": "2a18212fe7b7d7eacd83ce7cf40035fdf8bda239e05104017973febd918a793e",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "ING's PDS is dated 21 September 2023, with a Supplementary PDS dated 7 October 2026 (changes to strata/body-corporate item cover and landlord options; no flood change). ING sells home and contents only; the landlord features are options on the home policy, not a separate product.",
  "segments": [
   "residential"
  ],
  "issuers": [
   {
    "name": "Auto & General Insurance Company Limited",
    "abn": "42111586353",
    "afsl": "285571",
    "lloyds": false,
    "slug": "auto-and-general-insurance",
    "apra": {
     "status": "authorised",
     "name": "Auto & General Insurance Company Limited",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "285571",
     "name": "AUTO & GENERAL INSURANCE COMPANY LIMITED",
     "abn": "42111586353",
     "acn": null,
     "licensed_since": "2005-06-15",
     "locality": "Toowong QLD 4066",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": {
   "afsl": "241411",
   "name": "AUTO & GENERAL SERVICES PTY LTD",
   "abn": "61003617909",
   "acn": null,
   "licensed_since": "2004-03-10",
   "locality": "Toowong QLD 4066",
   "source": {
    "dataset": "ASIC AFS Licensee dataset",
    "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
    "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
    "last_modified": "2026-11-11T20:51:07.739275",
    "licence": "Creative Commons Attribution 3.0 Australia"
   }
  },
  "page": "https://deepalmanac.com/au/insurance/building/ing/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/ing.json"
 }
}