Ominimo Netherlands
Ominimo
Ominimo is a motor casco insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Ominimo pays affiliated repairers (Fixico for car damage, Autoglaz for glass damage) directly for repairs; for emergency repairs abroad the policyholder pays the repairer directly and submits the costs afterwards for reimbursement.
Geographic scope
Netherlands, with coverage extending to all countries listed on the Green Card
Coverage applies in all countries shown on the Green Card that are not crossed out; it also applies while the car is transported between two of these countries.
Unique selling points
- Glass damage is repaired or replaced through the Autoglaz network with no deductible for repair on every tier.
- A 24/7 emergency alarm centre arranges assistance and vehicle recovery both in the Netherlands and abroad.
- The Premium tier can be cancelled daily from day one, with no minimum contract term.
- Policyholders can choose their own voluntary deductible, from €0 up to €2,500, to tailor their premium.
- The optional Free Repair Choice add-on lets you pick any repairer while keeping the same low deductible as the affiliated network.
Coverage limits
Own damage cover
Covered
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.
Total loss / theft value compensation
€110,000 – €170,000
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.
Partial damage / repair cost cover
Covered
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.
Theft and burglary
Covered
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.
Glass / windscreen damage
Covered
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.
Storm and natural disasters
Covered
Damage directly caused by storm (at least wind force 7), hail, flooding or other natural disasters is covered on every tier.
Malicious damage / vandalism
Covered
Intentional damage caused by third parties, such as vandalism, is covered on every tier of the Allrisk product.
Emergency assistance / roadside help
Covered
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).
Replacement vehicle
€15 – €30
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).
Passenger accident insurance (SVI)
€1,250,000
Optional add-on (Schadeverzekering Inzittenden) covering bodily injury and personal belongings of the driver and passengers following a traffic accident with the insured car. Maximum compensation is €1,250,000 per event, divided among all insured persons; compensation is reduced by 25% for a person not wearing a seatbelt if that affected the injury.
Key conditions
Driver age and experience limit
No minimum driver age or experience requirement is stated; however, cover is excluded if the driver has no valid licence, holds a licence unsuitable for the vehicle type, is legally barred from driving, or breaches 2toDrive supervised-driving rules (an exception applies if the policyholder proves they were unaware and did not authorise the driver).
Repair network requirements
Repairs are carried out by default through affiliated repairers (Fixico for car damage, Autoglaz for glass damage) in the Netherlands. Choosing a non-affiliated repairer results in a higher deductible unless the optional 'Free Repair Choice' (Vrije Reparatiekeuze) cover has been added, which keeps the deductible the same as with an affiliated repairer when a BOVAG/brand dealer is chosen.
Territorial scope
Cover applies in all countries listed and not crossed out on the Green Card (International Motor Insurance Card); it also applies while the car is transported between two of the listed countries.
Anti-theft requirements
For vehicles with a catalogue value over €75,000 that are less than 5 years old, at least one approved tracking/recovery system (a CCV-approved vehicle tracking system, a CCV-approved retrieval system, or a LoJack tracking system) must be fitted for theft claims to be covered.
Claim notification deadline
Claims must be reported as soon as reasonably possible via ominimo.nl; the right to compensation lapses if the incident is not reported within 3 years. Theft, burglary, joyriding, embezzlement or fraud involving the car must be reported to the police immediately.
Deductible rules
For own-damage claims via an affiliated repairer, the deductible is €150 on Compact or €0 on Basic/Comfort/Premium; via a non-affiliated repairer without Free Repair Choice, €500 applies on every tier (this standard deductible does not apply to theft, burglary or joyriding). Glass-damage deductibles range from €0 (Autoglaz repair) up to €500 (BOVAG/dealer replacement); no compensation if repaired elsewhere without the add-on. Policyholders can also choose a voluntary deductible of €0, €125, €250, €500, €1,000 or €2,500, which replaces the standard deductible for own-damage/glass claims only (no deductible ever applies to third-party liability claims).
Policy specifics
New value coverage
Coverage that reimburses the new value of the vehicle in case of total loss or theft
SourceRepair network restriction
Default repair through Fixico network; higher deductible (€500) applies for independent repair shops unless free repair choice is selected
SourceGlass/windscreen damage
Coverage for windscreen and glass damage with special conditions for Autoglaz repairs
SourceVehicle repair approval process
Claims settlement method: repairs arranged through insurer's network vs. direct reimbursement to policyholder
SourcePremium cancellation terms
Cancellation rules vary by variant; Premium tier offers daily cancellation flexibility
Source