Full omnium (comprehensive) also covers your own damage, even when you are at fault, plus vandalism. Essential on a new or recent car, it costs 1.5 to 2.5 times the RC premium. Four Belgian insurers publish a full-omnium rate; the others quote on request only.
€537 / year
Best for a recent car you intend to keep for years
The lowest full-omnium rate recorded in Belgium, plus a decreasing omnium (−2 to −5%/year) that rewards loyalty. The default best choice on this product.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€556 / year
Best for ING customers with a new car
Only €19 behind Yuzzu, with assistance included and a fully online subscription. The obvious pick if you already bank with ING.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€861 / year
Best for vehicles fitted with driver-assistance systems
€305/year more than ING, but its stackable discounts (−10% driver aids, −4% Green Bonus, −10% Top repairer) can erase much of the gap depending on your car.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€976 / year
Best for drivers who insist on an included replacement car
The most expensive published full omnium: €976/year, i.e. +82% versus Yuzzu. It includes assistance and a replacement car, but the gap is hard to recoup on that argument alone.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
On quote (via broker)
Best for broker support and tailored cover
AXA publishes no online full-omnium rate: distribution goes through brokers. As it ranks 2nd on both RC and mini-omnium, it is worth requesting a quote before deciding.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
On quote
Best for electric vehicles (−30% in year one)
Ethias publishes no online full-omnium rate. Its −30% first-year discount on electric vehicles still makes it a quote worth requesting if you drive electric.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
On quote
Best for KBC customers bundling bank and insurance
No published full-omnium rate. Its RC (€423) and mini-omnium (€659) rates sit at the top of the market: only request a quote if you are already a customer and eligible for multi-policy discounts.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
| # | Insurer | Premium / year | Best for |
|---|---|---|---|
| 1 | Yuzzu (ex-Touring) | €537 | a recent car you intend to keep for years |
| 2 | ING | €556 | ING customers with a new car |
| 3 | Allianz | €861 | vehicles fitted with driver-assistance systems |
| 4 | Belfius Direct (ex-Corona) | €976 | drivers who insist on an included replacement car |
| 5 | AXA | On quote (via broker) | broker support and tailored cover |
| 6 | Ethias | On quote | electric vehicles (−30% in year one) |
| 7 | KBC Brussels | On quote | KBC customers bundling bank and insurance |
Methodology
Reference profile: experienced driver, petrol Citroën C3, ~10,000 km/year, no claims, resident in Belgium.
Ranked by increasing annual full-omnium premium, based on rates published on the insurers' own websites and compiled by CallMePower (Selectra). Insurers that publish no full-omnium rate (AXA, Ethias, KBC Brussels) appear at the end of the ranking WITHOUT a price: we neither estimate nor extrapolate any premium. Non-exhaustive selection of the Belgian market. No insurer affiliate links.
Sources
Among insurers publishing a rate, Yuzzu is cheapest at €537/year, just ahead of ING (€556). Allianz follows at €861 and Belfius Direct at €976. AXA, Ethias and KBC do not publish an online full-omnium rate: you have to go through a broker.
On a new car or one under 3 years old, yes: it is the only cover that reimburses you if you write off your own car while at fault. On a car older than 6 years, the premium ends up costing more than the insured value — switch to mini-omnium, then to third-party.
AXA, Ethias and KBC Brussels distribute their full omnium mainly through brokers: the rate depends too finely on the vehicle, the insured value and the chosen deductible to be displayed. It does not mean they are more expensive — only that you must request a quote.
Three concrete levers: raise the deductible (€500 instead of €250 mechanically lowers the premium), pick a decreasing omnium (Yuzzu: −2 to −5%/year), and activate structural discounts (driver aids, electric vehicle, low mileage).