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Ominimo car insurance is making waves in the Dutch market. But who exactly is Ominimo, and is cancelling as easy as signing up?
You have probably spotted it on comparison websites already: a new name appearing at the top of the cheapest premium rankings. Since the summer of 2025, Ominimo has been gaining ground in the Dutch market with its promise of AI-driven pricing and a fully digital customer journey. But is it a serious long-term player? And more importantly, are you locking yourself into something, or can you cancel just as easily as you took out the policy? We took a closer look.
The Hungarian tech challenger
Ominimo is not your traditional insurer with piles of paperwork and old-fashioned processes. Originally founded in Hungary, this insurtech start-up uses smart algorithms to calculate premiums. The thinking is straightforward: if the data suggests you are a safe driver, why should you pay over the odds?
Although Ominimo is still relatively new in the Netherlands, it is not operating without solid backing. Zurich Insurance Group acts as the risk carrier, which gives the company an extra layer of credibility and reassurance.
Why so many drivers are switching — and why some still hesitate
Ominimo’s appeal lies largely in its simplicity. Everything is handled digitally, from taking out a policy to submitting a claim. Customers also seem positive about the service. On Trustpilot, several reviewers praise the team for being quick to respond and genuinely helpful.
That said, there are a few points worth keeping in mind.
Strict underwriting
Ominimo appears to favour lower-risk drivers. Anyone with a more complicated claims history may be more likely to face rejection.
No-claim years
The insurer does not accept no-claim years based on lease records or foreign declarations. Those years need to be registered in Roy-data, the Dutch no-claim database.
The key question: how does cancelling Ominimo work?
No one wants to feel tied to an insurance policy that no longer suits their needs. Many modern insurers offer daily cancellation options, but Ominimo takes a slightly more traditional approach depending on the package you choose.
Thinking of cancelling your Ominimo car insurance? These are the three main scenarios to be aware of:
Basic and Comfort packages
These usually come with a one-year contract term. Once that first year has passed, you can cancel on a monthly basis with one month’s notice.
Premium package
Choose the more comprehensive option and you will generally have more flexibility. In many cases, you can cancel from day one, again with one month’s notice.
Cooling-off period
As with other online purchases, there is a statutory 14-day cooling-off period. During that time, you can cancel your Ominimo policy without much fuss.
How do you cancel?
Thankfully, Ominimo keeps the process digital on the way out as well. You can usually arrange the cancellation through your online account or customer portal. And naturally, if you sell your car, you can normally end the policy immediately by providing proof of indemnity.
Final verdict: a modern insurer with a few points to watch
Ominimo is a strong option for price-conscious, digitally minded drivers who like to keep everything simple and online. It looks like a credible insurer with a modern setup and competitive pricing.
The main thing to watch is the cancellation policy on the cheaper packages, as these are not always flexible during the first year. The one-month notice period is also less common in the Dutch car insurance market than it used to be. For drivers who want maximum flexibility and the option to switch more freely, the Premium package is likely to be the better fit.