ING is a business name of ING Bank (Australia) Limited

ING is a business name of ING Bank (Australia) Limited

Terms and conditions apply to these benefits. For details of the updates that are effective , please see the Orange Everyday Terms and Conditions, the Everyday Fees and Limits Schedule, and the new Orange Everyday Benefits Schedule dated .

ING Insurance (Home & Contents, Car, Motorcycle, Travel and Pet) is issued by Auto & General Insurance Company Limited ABN 42 111 586 353 AFSL 285571 (AGIC) as insurer (Insurer). Pet Insurance is administered by Pet Health Insurance Services Pty Ltd ABN 59 638 910 675 as Authorised Representative 1282153 of AGIC. 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 either AGIC or AGS for each policy purchased which is a percentage of the base premium. For further details see the Financial Services Guide.

Home & Contents, Car, Motorcycle and Travel are distributed by Auto & General Services Pty Ltd ABN 61 003 617 909 AFSL 241411 (AGS) and ING Bank (Australia) Limited ABN 24 000 893 292 (ING) as an Authorised Representative 1247634 of AGS

ING Insurance is subject to AGIC’s underwriting criteria and ING’s Customer Eligibility and Name Screening Assessment. ING Home & Contents Insurance is not available in NT, North QLD or Northern WA. For Car Insurance, vehicle details are checked against information available on Red Book. For payday loans Greenfield TN Motorcycle Insurance, vehicle details are checked against information available on Glass’ 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 (Car Insurance Only), Roadside Assistance Terms and Conditions (service provided by AGS for Car Insurance Only) and the ING Customer Eligibility and Name-Screening document available at , and consider if an ING Insurance product is right for you before deciding to purchase or continue to hold the product.

The price we quote is at the Insurer’s sole and unrestricted 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. If the policy renews, the price may exceed the price paid for the previous policy. Base premiums are subject to change. You will be responsible for all applicable GST and other statutory charges.

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. We reserve the right to change any of the discount offers at any time.

Online discounts below apply to the first year’s base 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.

Pet Insurance is distributed by AGIC and ING Bank (Australia) Limited ABN 24 000 893 292 (IBAL) as Authorised Representative 1247634 of AGIC

– ING Motorcycle Insurance: 15% discount on Comprehensive, Third Party Property Only and Third Party Property Fire & Theft Motorcycle Insurance policies.