mini-omnium comparator 2026
The mini-omnium (partial comprehensive) adds targeted cover on top of mandatory RC: theft, fire, glass breakage, natural disasters and animal collisions. The sweet spot for a car aged 3 to 8 years. 2026 premium comparison of the main Belgian insurers.
Select the models to compare side by side.
ING
401 €
AXA
459 €
Cover
RC + mini-omnium (theft, fire, glass, forces of nature)
Cover
RC + mini-omnium
Annual premium — standard profile (CallMePower survey)
€401/year
Annual premium — standard profile (CallMePower survey)
€459/year
Monthly premium — Dacia Sandero 2020 / Brussels / 15,000 km profile (Selectra survey)
€36.80/month
Monthly premium — Dacia Sandero 2020 / Brussels / 15,000 km profile (Selectra survey)
€33.80/month
Assistance & claims handling
24/7 breakdown assistance in Belgium and abroad
Assistance & claims handling
24/7 towing included (accident, fire, theft)
Pros
Cheapest mini-omnium in the CallMePower survey · premium protection after an at-fault claim · available without an ING account
Pros
Lowest monthly mini-omnium rate in the Selectra survey · premium adjusted to mileage · stackable multi-vehicle discounts
Cons
Bancassurance: little in-branch advice, online management
Cons
No publicly priced full omnium for this profile: no comparable upgrade path
Sources & survey date
CallMePower (surveyed 10/06/2026) · Selectra (surveyed 12/07/2026)
Sources & survey date
CallMePower (surveyed 10/06/2026) · Selectra (surveyed 12/07/2026)
Indicative prices, sourced and dated. Neutral, independent comparison — no affiliate links.
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