Omnium car insurance in Belgium
Full omnium covers damage to your own vehicle, including when you are at fault or when no third party is identified. Mini-omnium is limited to a closed list of named risks — theft, fire, glass, natural forces — whose exact contents differ from one Belgian insurer to another. Neither is compulsory.
Omnium is justified for as long as the annual premium stays proportionate to what the insurer would actually pay out. On a car past seven or eight years the premium often exceeds the depreciated value it would compensate. The decisive clause to compare is not the price but the depreciation rule written into the contract.
| Provider | Plan | Price | Key points | View plan |
|---|---|---|---|---|
 INGCheapest |
RC + mini-omnium | €415/year |
| View plan |
 Belfius |
RC + mini-omnium | €487/year |
| View plan |
 ACM Insurance |
RC + mini-omnium | €578/year |
| View plan |
 Yuzzu AXA |
RC + mini-omnium | €615/year |
| View plan |
 Beobank |
RC + mini-omnium | €617/year |
| View plan |
 CBC Banque KBC |
RC + mini-omnium | €619/year |
| View plan |
 Baloise |
RC + mini-omnium | €678/year |
| View plan |
 Fédérale Assurance |
RC + mini-omnium | €781/year |
| View plan |
 Argenta |
RC + mini-omnium | €794/year |
| View plan |
 Ethias |
RC + mini-omnium | €807/year |
| View plan |
 AG |
RC + mini-omnium | €867/year |
| View plan |
Yuzzu AXA |
Omnium complète | €939/year |
| View plan |
Fédérale Assurance |
Omnium complète | €999/year |
| View plan |
Belfius |
Omnium complète | €1014/year |
| View plan |
ING |
Omnium complète | €1078/year |
| View plan |
Baloise |
Omnium complète | €1144/year |
| View plan |
Beobank |
Omnium complète | €1151/year |
| View plan |
ACM Insurance |
Omnium complète | €1168/year |
| View plan |
Ethias |
Omnium complète | €1246/year |
| View plan |
CBC Banque KBC |
Omnium complète | €1286/year |
| View plan |
Argenta |
Omnium complète | €1296/year |
| View plan |
AG |
Omnium complète | €1343/year |
| View plan |
 KBC |
Omnium KBC | On request |
| View plan |
 AXA |
Confort Auto | On request |
| View plan |
 P&V |
Assurance auto PV | On request |
| View plan |
Prices and features surveyed on January 28, 2026. They may have changed since. Always check the offer on the provider’s website before signing up.
Where mini-omnium stops and full omnium starts
Mini-omnium covers a closed list of events. The usual members of that list are theft, fire, glass breakage, natural forces and collision with an animal. What it does not cover is damage resulting from an accident for which you are responsible.
Full omnium adds exactly that cover, generally called material damage. It responds when you are at fault, when the other party cannot be identified, and when there is no other party at all — a wall, a bollard, a kerb.
The premium gap between the two is substantial. The decision rule is simple: could you fund the repair or the replacement of your car from your own resources? If not, full omnium earns its cost. If yes, mini-omnium plus driver cover often does the job for far less.
Read the list rather than the label. Two policies both sold as mini-omnium can differ on animal collisions, on vandalism and on natural forces, and those differences are worth more than a few euros of premium.
The depreciation clause decides your payout
After a total loss the insurer does not pay what you paid for the car. It pays a value defined by the contract, and two logics coexist on the Belgian market.
Some contracts indemnify at or close to the purchase value for an initial period — often expressed in months from first registration — and apply depreciation only afterwards. Others apply a monthly depreciation from the first month.
On a new car the gap between those two rules runs into thousands of euros in the first two years. It is the point on which to compare two apparently similar omnium quotes, ahead of the premium itself.
Check the franchise mechanism at the same time. Some Belgian contracts use an English-style franchise, where nothing is deducted once the damage exceeds a stated threshold, which behaves very differently from a fixed excess deducted from every claim.
Frequently asked questions
At what vehicle age should I drop omnium?
There is no fixed rule. The reasoning is to compare the annual premium against the value the insurer would genuinely pay after depreciation. Once the premium represents a large share of that value, the cover has lost its economic purpose and targeted guarantees make more sense.
Does omnium cover theft?
Yes, as does mini-omnium. Watch the conditions attached: many Belgian contracts require specified anti-theft devices, impose rules about where the vehicle is parked, or set a short deadline for reporting. Failing those conditions can reduce or remove the indemnity entirely.
What franchise should I choose on an omnium?
A higher franchise lowers the premium and raises what you pay per claim. The right level is the amount you could pay without difficulty. Some contracts reduce or waive the franchise when repairs are carried out in the insurer's approved network, which is worth asking about explicitly.
Is omnium compulsory with a car loan?
Not by law, but the lender frequently requires it for as long as the credit runs, in order to protect the value of the financed asset. Check that clause in your credit agreement before reducing cover, because dropping it can put you in breach of the loan.