ING or Ethias: which car insurance to choose in Belgium?

ING and Ethias attract two different profiles: ING appeals with low prices (especially for its banking customers) and a competitive omnium (comprehensive cover); Ethias with its service, its presence in Wallonia and its included cover. On the reference profile, ING is cheaper, but Ethias's targeted discounts can flip the maths.

ING or Ethias: which is cheaper in 2026?

On the reference profile, it is ING. Third-party liability (RC) at €338/year against €406 at Ethias, mini-omnium (partial cover) at €516 against €745. The mini-omnium gap is clear: €229/year for the same car.

These amounts come from the CallMePower (Selectra) comparison of 04/06/2026, for a driver born in 1980, licence since 2000, Brussels, Citroën C3 1.2 PureTech (2019), 10,000 km/year, no claims. The ING rates correspond to its banking customers.

In practice, ING starts with a clear price advantage on this profile. But two nuances change the picture: the gap assumes you are an ING customer, and it does not take into account Ethias's targeted discounts (first year, electric, young driver), which do not apply to the reference profile but can weigh heavily in your specific case.

And for full omnium?

ING keeps the price advantage, but the comparison becomes less direct. ING shows €755/year for full omnium for its customers, an excellent rate. Ethias mainly distributes full omnium through brokers, so on a personalised quotation: no comparable list price. For a recent car and an ING customer, ING is the price reflex. If you care about the included replacement car and human support, ask for an Ethias quote in parallel before deciding.

What sets ING apart from Ethias on cover?

ING optimises price and banking integration; Ethias optimises included cover and service. The replacement car sums up the difference in philosophy well.

The reading is simple: ING wins the headline-price match, Ethias the one on included value and situational discounts. It all depends on your profile: a standard driver who is an ING customer will lean ING; a profile eligible for an Ethias discount, or attached to service, will switch to the other side.

Which driver is ING for?

ING targets the banking customer who wants a good price and wants to manage everything in one place. This is bancassurance: car and home centralised in My ING, with preferential rates reserved for customers.

Its strong point is the competitive omnium (€755/year for full omnium for its customers) and the ease of management for anyone already at ING. For a recent car, a good bonus-malus (the Belgian 0–22 no-claims scale) and an existing ING account, it is one of the most rational offers on the market.

Its limit: most of the advantage assumes you are a customer, and the replacement car is not included by default. Outside the ING ecosystem, the offer loses much of its relative appeal.

Which driver is Ethias for?

Ethias targets the driver who values service, stability and included cover, particularly in Wallonia. It is a long-standing Belgian insurer, known for its claims handling and its closeness to the public sector.

Its asset is not the entry price but the included value and targeted discounts: replacement car from RC onwards, −20% in the first year, −30% for electric vehicles, −15% for young drivers via the Ethias Young Driver offer. On an eligible profile, these discounts often wipe out the premium gap with ING.

In practice, Ethias is rarely the cheapest on gross price, but often the most attractive on real cost for an electric vehicle, a young driver, or a driver switching insurer and taking advantage of the first-year discount.

ING or Ethias for a young driver?

Between the two, Ethias, thanks to its dedicated offer and its discount of around −15%. ING stays more expensive for a young profile without a strong banking history.

But the right reflex goes beyond this duel: on the young driver segment, ING, Yuzzu and Ethias are close together and the gaps between insurers are considerable. Limit yourself to ING versus Ethias and you risk missing the best price. Our young driver car insurance comparison gives the real prices by age and the levers to reduce the surcharge.

ING or Ethias for an electric car?

Ethias takes the advantage. Its discount of up to −30% for an electric vehicle is one of the strongest in Belgium in 2026, and it comes on top of a contract that includes the replacement car. ING stays competitive on gross price, but without such a marked electric discount.

The decisive point, as always with electric, is not just the discount: it is the cover for the battery and the charging point. A generous discount on a contract that covers the battery poorly can cost dearly at the first incident. Our comparison of electric car insurance in Belgium details the points to check.

ING or Ethias: how to decide based on your profile?

Ask yourself two questions: are you an ING customer, and do you fit into an Ethias discount box? The answers are almost enough to decide.

And keep the reflex of widening the search: on your exact profile, AXA, Belfius Direct, Allianz or Yuzzu can beat both. Our general comparison of the best car insurance in Belgium puts the six major insurers head to head.

Source of premiums: CallMePower / Selectra, comparison updated on 04/06/2026.