Insurer profile
Ominimo Netherlands
Ominimo Netherlands · Netherlands
Overview
Ominimo is a European insurtech that has offered car insurance in the Netherlands since 2025, with the European insurtech focusing on simple, digital and affordable car insurance. Ominimo, originally Hungarian, claims to offer better-fitting and more affordable coverage thanks to the use of AI, and works together with Zurich Insurance Group, with Zurich acting as the risk carrier through its subsidiary DA Direkt. The company launched in Hungary in 2024 and later expanded into Poland, the Netherlands, and Sweden.
Source9
Products in this market
2
Offer pages
Company details
- Parent group
- Ominimo (Zurich Insurance Group holds a minority stake; underwriting via DA Direkt)
- Regulator
- Netherlands Authority for the Financial Markets (AFM), as Ominimo operates as an insurance intermediary/managing general agent; the risk carrier, DA Direkt (DA Deutsche Allgemeine Versicherung AG), is prudentially supervised by Germany's Federal Financial Supervisory Authority (BaFin) and operates in the Netherlands under the EU passport (freedom of services).
- Phone
- +31 20 290 5077
Products from Ominimo Netherlands
Motor8
Third-Party Liability (WA)
Mandatory liability cover for damage that the policyholder causes to third parties with their car; it does not cover the policyholder's own vehicle damage.
WA+ (Limited Comprehensive / Beperkt Casco)
Covers liability plus damage to the policyholder's own car from theft, fire and storm, but not damage the policyholder causes themselves.
Allrisk (Fully Comprehensive / Volledig Casco)
Full comprehensive cover that also pays for damage the policyholder causes to their own car.
Roadside Assistance Netherlands (Pechhulp Nederland)
Optional add-on providing roadside help within the Netherlands for breakdowns such as engine failure, a flat battery or gearbox defects.
Roadside Assistance Abroad (Pechhulp Europa/Buitenland, Basic & Premium)
Optional add-on offering breakdown assistance abroad in countries listed on the green card, with a Premium variant covering replacement transport and repatriation.
Passenger Accident Insurance (Schadeverzekering voor Inzittenden, SVI)
Add-on that compensates injury and personal property damage for both driver and passengers after a traffic accident, regardless of fault.
Free Choice of Repairer (Vrije Reparatiekeuze)
Optional add-on that lets the policyholder choose their own repair shop instead of the standard affiliated repairers.
Extended New/Purchase Value Cover (Verlengde Nieuwwaarde- / Aanschafwaarderegeling)
Add-on that extends by up to 24 months the period during which total loss or theft is reimbursed at new value or original purchase value.
Regulatory updates
Ominimo operates in the Netherlands as a managing general agent / insurance distributor rather than as a licensed risk-carrying insurer itself; it does not underwrite and instead operates as a managing general agent, pricing the risk, selling the policy, owning the customer and handling claims while the insurance risk sits with a partner. In the Netherlands, Ominimo's entry is supported by a close collaboration with Zurich, via its subsidiary DA Direkt, which is prudentially supervised by Germany's BaFin as its home-state regulator and operates in the Netherlands under the EU passport, with AFM covering conduct supervision; Ominimo itself is registered with AFM as an intermediary/MGA. Group-wide, Ominimo currently works with established insurance, distribution and claims partners while also progressing toward obtaining its own insurance licence, which would eventually bring the Dutch operation under direct DNB/AFM licensing as well.
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Ominimo for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026
Motor third-party liability
motor third-party liability insurance from Ominimo for the Netherlands market, with online purchase and 24/7 assistance.
Last verified Sep 1, 2026