Mini-omnium (partial omnium) adds theft, fire, broken glass, natural forces and animal collision to third-party cover — without covering your own damage when you are at fault. It is the right compromise for a car aged 3 to 6 years. Here are the Belgian insurers ranked by real premium.
€401 / year
Best for ING customers with a 3-to-6-year-old car
The best mini-omnium rate on the market, and the smallest gap with its own RC premium (+€131). Still no replacement car.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€459 / year
Best for a major insurer at a contained price
€58 more than ING, but with a broker network, a low-mileage discount of up to −20% and well-rated claims handling. The default choice if you do not want to depend on a bank.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€480 / year
Best for low-mileage drivers who want a decreasing omnium
Yuzzu applies a decreasing omnium (−2 to −5%/year): the longer you keep the car, the less you pay. Combined with the low-mileage discount, it can become the cheapest over time.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€520 / year
Best for cars with driver-assistance systems
The only insurer to climb markedly between RC (6th) and mini-omnium (4th): its structural discounts (−10% driver aids) bite harder on omnium cover.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€564 / year
Best for drivers who need a replacement car included
The only one here to include both assistance AND a replacement car in the mini-omnium. If you depend on your car daily, the €163 gap with ING can pay for itself.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€659 / year
Best for KBC customers bundling policies
Hard to defend on the bare rate: €258/year more than ING for comparable cover. Only justified through the bank's multi-policy discounts.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
€745 / year
Best for drivers who value service over premium
The most expensive mini-omnium in the ranking: €745, i.e. +86% versus ING. Ethias is still valued for its service and included cover, but on this specific product the pricing does not follow.
Pros
Cons
Source: CallMePower · 10 June 2026 · Official site
| # | Insurer | Premium / year | Best for |
|---|---|---|---|
| 1 | ING | €401 | ING customers with a 3-to-6-year-old car |
| 2 | AXA | €459 | a major insurer at a contained price |
| 3 | Yuzzu (ex-Touring) | €480 | low-mileage drivers who want a decreasing omnium |
| 4 | Allianz | €520 | cars with driver-assistance systems |
| 5 | Belfius Direct (ex-Corona) | €564 | drivers who need a replacement car included |
| 6 | KBC Brussels | €659 | KBC customers bundling policies |
| 7 | Ethias | €745 | drivers who value service over premium |
Methodology
Reference profile: experienced driver, petrol Citroën C3, ~10,000 km/year, no claims, resident in Belgium.
Ranked by increasing annual mini-omnium premium, based on rates published on the insurers' own websites and compiled by CallMePower (Selectra). No price is estimated. Non-exhaustive selection of the Belgian market. No insurer affiliate links.
Sources
For the reference profile, ING is cheapest at €401/year, ahead of AXA (€459) and Yuzzu (€480). Ethias closes the ranking at €745 — almost double ING for comparable cover.
On top of compulsory RC it adds theft, fire, broken glass, natural forces (hail, storm, flood) and animal collision. What it does NOT cover: your own damage when you are at fault, and vandalism — that requires a full omnium.
Simple rule: full omnium under 3 years, mini-omnium between 3 and 6 years, third-party only beyond that. A full omnium costs 1.5 to 2 times a mini-omnium: past 6 years, the premium ends up exceeding what the insurer would pay you back.
As soon as your car's residual value becomes low relative to the combined cost of the premium and the deductible. In practice: beyond 6 to 8 years, a mini-omnium is only justified if theft risk is high in your municipality.