Ominimo Motor third-party liability (Autoverzekering Wa)
Underwritten by DA Deutsche Allgemeine Versicherung Aktiengesellschaft · Netherlands
motor third-party liability insurance from Ominimo for the Netherlands market, with online purchase and 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-01Sources
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
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.6M
Legal Assistance for Motorists (Verkeersrechtsbijstand)
€50K
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.
Section: 5. Onze aanvullende dekkingen > 5.2 Verkeersrechtsbijstand
Proceskosten (o.a. griffierecht, advocaatkosten, kosten vanwege getuigen, kosten vanwege deskundigen) Maximaal €50.000 binnen Europa Maximaal €10.000 buiten Europa
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.
Section: 1. Productvoorwaarden > 1.3 Waar ben je verzekerd?
Je bent verzekerd in de landen die op de groene kaart staan en niet zijn doorgestreept. Wordt je auto vervoerd tussen twee van de landen op de kaart? Dan geldt de verzekering ook.
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).
Section: 5. Onze aanvullende dekkingen > 5.3 Pechhulp
Buitenland (Basic): Je krijgt hulp in Nederland én in de landen die op je Groene Kaart staan. Uitzondering: gebieden met oorlog of andere grote risico's.
Passenger Accident Insurance (SVI) – Driver
€1.3M
Optional add-on that pays compensation for injury to the driver and damage to their personal belongings after a traffic accident involving the insured vehicle, up to a maximum of €1,250,000 per event, shared among all insured occupants.
Section: 5. Onze aanvullende dekkingen > 5.1 Schadeverzekering inzittenden (SVI) > 5.1.3 Vergoeding
De maximale schadevergoeding bedraagt €1.250.000 per gebeurtenis, verdeeld over alle verzekerden.
Passenger Accident Insurance (SVI) – Passengers
€1.3M
Optional add-on that pays compensation for injury to passengers and damage to their personal belongings after a traffic accident involving the insured vehicle, up to a maximum of €1,250,000 per event, shared among all insured occupants.
Section: 5. Onze aanvullende dekkingen > 5.1 Schadeverzekering inzittenden (SVI) > 5.1.3 Vergoeding
De maximale schadevergoeding bedraagt €1.250.000 per gebeurtenis, verdeeld over alle verzekerden.
Key conditions
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.
Territorial scope
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.
Documents
Policy specifics
International Coverage (Green Card)
Coverage in all countries listed on the International Insurance Certificate (formerly Green Card) and not crossed out
SourcePage 2Section: Waar ben ik gedekt?
Bij je polis ontvang je een Internationaal Verzekeringsbewijs (voorheen Groene Kaart). Je bent verzekerd in alle landen die op dit bewijs staan en die niet zijn doorgestreept
Optional 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
SourceSection: Wil je extra dekking, zekerheid en gemak?
Hulp bij pech onderweg in heel Europa, ook in Nederland.
Optional 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
SourceSection: Wil je extra dekking, zekerheid en gemak?
Vergoedt na een ongeval de schade die de bestuurder én de passagiers hebben. Denk bijvoorbeeld aan beschadigde kleding en spullen, medische kosten en verlies van inkomsten door letsel.
Optional 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
SourceSection: Wil je extra dekking, zekerheid en gemak?
Biedt juridische hulp bij schade of conflicten rondom je auto. Bijvoorbeeld als je na een ongeluk schade wil verhalen bij de tegenpartij. Of als je een geschil hebt met een BOVAG-garage over aankoop of onderhoud.
No Deductible on WA Claims
For Third-Party Liability (WA) claims, no deductible is applied by Ominimo
SourcePage 13Section: 2. Wettelijke aansprakelijkheid (WA) > Eigen risico
Bij WA-schadeclaims is er geen eigen risico van toepassing.
Claims 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
SourcePage 6Section: 1. Productvoorwaarden > 1.5 Een schade melden
Breng ons zo snel als redelijkerwijs mogelijk op de hoogte - je recht op schadevergoeding vervalt als je het voorval niet binnen 3 jaar meldt.
Police 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
SourcePage 6Section: 1. Productvoorwaarden > 1.5 Een schade melden
Diefstal of poging tot diefstal van je auto Inbraak of poging tot inbraak Joyriding (ongeoorloofd gebruik van je auto)
Duty to Mitigate Damage
Policyholder must do everything possible to prevent or limit damage
SourcePage 2Section: Wat zijn mijn verplichtingen?
En je moet zoveel mogelijk doen om schade te voorkomen en te beperken.
Honest Answering of Questions
When applying for insurance, policyholder must answer all questions honestly; any changes in situation must be reported as soon as possible
SourcePage 2Section: Wat zijn mijn verplichtingen?
Als je de verzekering aanvraagt, moet je onze vragen eerlijk beantwoorden. Ook moet je op tijd premie betalen. Veranderingen in je situatie moet je zo snel mogelijk doorgeven.
24/7 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
SourcePage 7Section: 1. Productvoorwaarden > 1.6 Noodhulp
Heb je onmiddellijk hulp nodig? Bel dan de Ominimo Alarmcentrale op +31 (0)20 290 5318. Dit nummer is 24 uur per dag, 7 dagen per week bereikbaar. Je vindt dit nummer ook op je groene kaart.
Sources
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=12(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=13(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=33(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=36(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=37(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=4(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=44(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=6(opens in a new tab)
- ominimo.nlhttp://ominimo.nl/sites/default/files/files/Ominimo_Autoverzekering_Voorwaarden_1.pdf#page=7(opens in a new tab)
- ominimo.nlhttps://ominimo.nl/en/producten(opens in a new tab)
- static2.poliswijzer.nlhttps://static2.poliswijzer.nl/v/202594-1-1/userfiles/pdf/verzekeringskaart/ominimo/Verzekeringskaart_Ominimo_WA.pdf#page=2(opens in a new tab)
Ominimo Motor third-party liability