Ominimo Netherlands
Ominimo
Ominimo is a motor third-party liability insurance for the Netherlands market with online purchase and 24/7 assistance.
Direct payment
Ominimo applies no deductible on third-party liability (WA) claims; claims are reported and handled online via ominimo.nl.
Geographic scope
Netherlands
Coverage applies in all countries listed on the International Insurance Certificate (Green Card) that are not crossed out, and also when the vehicle is transported between two of those countries.
Unique selling points
- No deductible applies to third-party liability (WA) claims, unlike the optional own-damage cover tiers.
- Ominimo's own Alarmcentrale is reachable 24/7 for immediate post-accident assistance, included as standard in the base WA product.
- Free damage-recovery support through the specialist BrandMR legal network when costs can be recovered from the at-fault third party.
- Underwritten by DA Direkt, part of the Zurich Insurance Group, one of Europe's largest insurance companies, for financial security behind the digital Ominimo brand.
- Automatic household discount applies when multiple policies are taken out, covering up to four vehicles at the same address.
Coverage limits
Property Damage Liability
€2,500,000
Covers damage to third-party property, such as cars, buildings, or personal belongings, caused by the insured vehicle, up to €2,500,000 per event.
Legal Assistance for Motorists (Verkeersrechtsbijstand)
€50,000
Optional add-on (base WA excludes legal assistance costs unless separately purchased) providing legal advice and support for traffic-related disputes via BrandMR. Process costs are covered up to €50,000 within Europe and €10,000 outside Europe per event; external legal counsel costs are capped at €7,500 per event.
International Insurance Certificate (Green Card)
Covered
Policyholders receive an International Insurance Certificate (formerly the Green Card); cover applies in all countries listed on it that are not crossed out, and also while the vehicle is transported between two such countries.
Breakdown Assistance (Pechhulp)
Optional
Post-accident recovery assistance (Noodhulp) is included as standard, but does not cover mechanical breakdowns. Breakdown assistance for mechanical/electrical defects is a paid add-on in three variants: Nederland (NL-only help, up to 7 call-outs/year, 3 in home town), Buitenland Basic (NL + Green Card countries, same call-out limits, plus replacement vehicle up to 5 days and hotel up to €105/person/night), and Buitenland Premium (same countries, unlimited call-outs, replacement vehicle extendable up to 30 days, hotel up to €150/person/night, plus phone cost cover up to €100/event).
Key conditions
Territorial scope
Cover applies in all countries listed on the Green Card that are not crossed out; using the insured vehicle abroad for more than 180 days in a policy year, whether continuous or not, voids cover.
Green card rules
The policyholder receives an International Insurance Certificate (Green Card); coverage also extends to the vehicle being transported between two of the listed countries.
Driver restrictions
No cover applies if the driver has no valid licence, holds a licence that does not match the vehicle type, is legally barred from driving, does not comply with applicable 2toDrive supervised-driving rules, or exceeds the legal alcohol/drug/medication limit or refuses a test.
Claim notification deadline
Report damage as soon as possible via ominimo.nl; the right to compensation lapses if not reported within 3 years. Theft, joyriding, break-in, vandalism, embezzlement, or fraud must be reported to the police immediately.
Bonus-malus rules
One extra claim-free year (schadevrije jaar) is earned per year without a claim; at-fault claims reduce the claim-free-years count according to a fixed table. For WA, if a paid claim is voluntarily repaid within 12 months, the original claim-free years are restored.
Policy specifics
International Coverage (Green Card)
Coverage in all countries listed on the International Insurance Certificate (formerly Green Card) and not crossed out
SourceOptional Roadside Assistance (Pechhulp)
Optional roadside assistance coverage available in Netherlands and/or abroad variants; provides assistance when vehicle cannot continue due to mechanical or electrical defect
SourceOptional Passenger/Occupant Protection (SVI)
Optional coverage compensating for damage to driver and passengers after an accident, including damaged clothing and belongings, medical costs and loss of income from injury; coverage limited by number of seatbelts in vehicle
SourceOptional Legal Protection for Motorists (Verkeersrechtsbijstand)
Optional legal assistance for damage claims or disputes related to vehicle, including recovery of damage from third party after accident, disputes with repair shops over purchase/maintenance, lease company disputes, or traffic law matters; valid in all countries on international insurance certificate
SourceNo Deductible on WA Claims
For Third-Party Liability (WA) claims, no deductible is applied by Ominimo
SourceClaims Notification Period
Damage must be reported to Ominimo as soon as possible via ominimo.nl; right to compensation expires if not reported within 3 years
SourcePolice Report Requirement for Criminal Acts
For criminal acts such as theft, joyriding, break-in or vandalism, or if the cause of damage is unknown, a police report must be filed immediately
SourceHonest Answering of Questions
When applying for insurance, policyholder must answer all questions honestly; any changes in situation must be reported as soon as possible
Source24/7 Emergency Contact Center
Ominimo Alarm Center available 24/7 for immediate assistance needs; phone number: +31 (0)20 290 5318; number also listed on Green Card
Source