Ominimo Casco (own-damage car insurance) (Autoverzekering Allrisk)

Almost all damage to your own car is covered, including damage caused by your own fault or negligence. Compensation is based on the higher of the ANWB/BOVAG price list or the day value; for imported cars only the day value is used.

If the car is declared total loss or stolen, the market value (higher of ANWB/BOVAG price list or day value) is paid minus residual value. Under the new-value scheme (nieuwwaarderegeling), the original new value is reimbursed up to €110,000 (Compact/Basic), €130,000 (Comfort) or €170,000 (Premium), if the car is within the age limit (≤12/24/36 months) and bought new from a BOVAG/brand dealer. Under the purchase-value scheme (aanschafwaarderegeling), up to €90,000/€110,000/€150,000 applies for cars up to 60/72/84 months old bought from a BOVAG/brand dealer, insured within 12 months of purchase.

Repair costs for damage to your own car are reimbursed, but only if the damage is actually repaired. Standard repair is via the affiliated Fixico network; a higher deductible applies if you use a non-affiliated repairer without the Free Repair Choice add-on.

Damage from fire, theft, joyriding, embezzlement and burglary is covered. If the car is found within 30 days, you must take it back and any theft-related damage is paid; if not found within 30 days, the market value is paid after you formally transfer the car (including papers and keys) to the insurer. Security requirements may apply for high-value vehicles.

Repair or replacement of broken or cracked glass is covered, including bagage damage caused by glass splinters (excluded on Compact, and excluded for panorama/sliding roof on Compact/Basic). Via an Autoglaz-affiliated repairer, there is no deductible for repair, and €150 for replacement (no deductible for replacement on Premium). Via a BOVAG or brand dealer, the deductible is €500 for repair on Compact or €250 on Basic/Comfort/Premium, and €500 for replacement on all tiers. No compensation is given if repaired elsewhere, unless the Free Repair Choice add-on is selected, in which case the same deductibles as an affiliated/BOVAG repairer apply.

Damage directly caused by storm (at least wind force 7), hail, flooding or other natural disasters is covered on every tier.

Intentional damage caused by third parties, such as vandalism, is covered on every tier of the Allrisk product.

Base 'Noodhulp' emergency assistance (for accident, fire, theft, vandalism, extreme weather, or sudden illness of the driver) is included on every tier and reachable 24/7 via the Ominimo Alarmcentrale (+31 (0)20 290 5318). Separately, an optional 'Pechhulp' add-on for mechanical breakdowns can be added in three levels: Netherlands only, Abroad Basic, and Abroad Premium, each with different service limits (e.g. replacement vehicle days, hotel allowances).

While your car is repaired by an affiliated repairer, or after total loss, you can use a replacement vehicle: max 15 days on Compact/Basic, 21 days on Comfort, 30 days on Premium. In case of theft, all tiers get a replacement vehicle for up to 30 days (ending sooner if the car is recovered). Instead of a replacement vehicle, you can choose a travel allowance of €35/day (not combinable with the replacement vehicle).