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Your car insurance is mandatory. Paying too much is not.

We compare price and terms, and we arrange your switch.

You pay for your car insurance whatever you once happened to agree

The compulsory third-party cover of your car insurance is set by law. What one insurer covers in an accident you are liable for, the next one covers too. The premium you pay for it is not fixed. For the same profile and the same car, the rates vary considerably.

Anyone who stays with the same insurer for years notices none of this. Every year you get a renewal notice, the amount creeps up, and you pay. Meanwhile you are building up claim-free years that another insurer perhaps rewards you better for.

What holds the switch back is almost never the price. It is the fear of the hassle: a cancellation that has to be on time, a claims history that has to come along, and forms. That is exactly the part we take off your hands.

And then there is the part you do not see in a price comparison. Comprehensive cover, your excess, roadside assistance, a replacement car, or whether you are covered yourself as the driver. That is where the real differences are, and you only notice them on the day you need them.

Why Ōmata

You open the chat and we ask only the questions that actually set your premium. Your car, how much you drive, who else gets behind the wheel and your claims history. No fifty-field form, no details we will not use afterwards.

With that we go and look at different insurers. The comparison work is ours, and you do not get a list of rates but one proposal: the one that works out best in your situation on price and on terms. If you agree, we arrange the switch. You answer when it suits you, and the chat always answers.

After a collision too you can use the same chat, or call the number on your policy. Whichever route you take, you reach the same point of contact and we defend your file with the insurer.

How to start

  1. You send a message through the chat on this page.

  2. You answer a few targeted questions about your car. No long questionnaire.

  3. You get a tailored proposal usually within two working days, explaining what is covered, up to what amount, and what is not in the policy.

  4. If you agree, you confirm the proposal.

What a conversation with Ōmata looks like

You do not need to know which policy you are looking for, and there is no form to fill in.

Start your request

Viktor is online

You are talking to an AI assistant. You can ask for a human colleague to take over at any time.

  • CustomerI have ordered a new car, delivery in three weeks. Can I arrange anything already?
  • ŌmataYes, and this is the right moment. Are you selling the old car, or keeping it as a second one?
  • CustomerI am selling the old car as soon as the new one arrives.
  • ŌmataThen the policy can be transferred without waiting for the November renewal. Send me the order form and your current policy, and I will get the new cover ready for the delivery date.
  • CustomerOkay, I will send them over shortly.
  • ŌmataNoted. I will pass this on to our expert, with your delivery date as the start date. You will hear from us usually within two working days.

Try it yourself

Who this is for

Anyone with a car in their name. The question is not whether you need it, but which covers belong with it and what happens on the day something goes wrong.

  • Anyone buying a new car

    The moment when the choice of comprehensive cover and an excess genuinely counts.

  • Anyone switching insurer

    Cancelling and transferring is simple, but exactly one thing can go wrong: a day without cover.

  • Households with several cars

    Where one contact and one overview are worth more than a few euro of difference.

  • Young drivers

    The group with the highest premium and the most questions about what is and is not included.

  • Anyone leasing or buying on credit

    The financier usually requires comprehensive cover; the excess is then the only dial.

Who this is not for

  • Anyone using the car in a company’s name. A company car policy is then the right one, with different rules for drivers and shared use.
  • Anyone only sharing or renting. With car sharing and short-term rental the cover is in the service. Do check the excess.
  • Anyone with a classic or collector’s car. Separate arrangements exist, with a limited mileage budget and an agreed value.
  • Anyone registering a car abroad. Insurance follows registration. A Belgian policy goes with a Belgian plate.

What car insurance covers

Third-party liability is legally required and covers the damage you cause to others with your car. Everything else is a choice: comprehensive or partial comprehensive cover for your own car, legal expenses for recovery, assistance for breakdowns, and driver cover for your own injury when you are at fault.

  • Third-party liability Damage to other vehicles, to people and to property.

    Compulsory, and the base of every policy.

  • Comprehensive cover Damage to your own car, including when you are at fault or there is no other party.

    Fire, theft, glass and natural forces included.

  • Partial comprehensive cover Only fire, theft, glass breakage, natural forces and collision with an animal.

    No cover for your own collision damage.

  • Driver cover Your own injury when you are at fault.

    Third-party cover then pays the others and not you; without this cover you get nothing.

  • Legal expenses Recovery from the other party and your defence, including the argument about who was at fault.
  • Assistance Breakdown help, towing and a replacement car, in Belgium and usually abroad.
  • Luggage and occupants Optional sections covering your passengers’ injuries and your luggage.

What car insurance does not cover

Not covered are wear and mechanical failure, driving under the influence or without a valid licence, and use you did not declare — such as racing or carriage for reward. Nor is damage you cause deliberately.

  • Wear and mechanical failure An engine that gives up is not an accident.

    A warranty or service contract exists for that.

  • Driving under the influence or without a licence Third-party cover pays the victim, but the insurer then recovers from you.

    Your own damage is not covered.

  • Racing and carriage for reward A track day or carrying people for payment falls outside an ordinary policy.
  • Undeclared use A car regularly driven by someone else or kept abroad should be declared.
  • Intent Deliberate damage is never covered.

Just ask

Cancelling your current policy: the only hurdle that counts

Most people stay with their insurer because switching looks complicated. It is not, and it almost always comes unstuck on the same thing: the notice period.

A car policy runs from year to year and can be cancelled against the annual renewal date, with notice that has to be given in advance. Too late and your policy runs another year. There are also moments when you can cancel in between: after a claim, on a premium change, or when you sell the car.

Comprehensive or not: the rule of thumb and why it does not always hold

The classic rule of thumb: comprehensive cover until your car is about five years old, partial comprehensive after that. It is often right, and it assumes one thing: that the value of the car decides what you risk.

That is not always true. Anyone driving on credit or lease risks the outstanding balance and not the residual value — and that balance falls more slowly than the car. Anyone with no second car who cannot work without one risks their income. And anyone taking a large excess to cut the premium is moving the risk rather than reducing it.

What happens on the day you have a claim

This is where the difference sits, and it is also the only thing that still interests you at that moment.

You report the claim to us with the photos and the accident statement. We make the declaration and follow the file with the insurer: appointing the assessor, the argument about liability, the replacement car, the payment. You report it through the chat and do not have to police the file yourself.

What determines the price

A figure without your details is a guess. What determines the premium, we can list.

  • The vehicle

    Power, list price, fuel and age.

  • Your claims history

    The no-claims record or statement from your previous insurer.

  • Driver

    Age, experience and whether there is a second driver.

  • Use

    Kilometres per year, and whether the car is also used for work.

  • Covers

    Comprehensive, driver, legal expenses and assistance.

  • Excess

    What you carry yourself per claim.

Frequently asked questions

Can I cancel my current policy?

Yes. A car policy can be cancelled against the annual renewal date, with notice given in advance. You can also cancel in between after a claim, on a premium change or when you sell the car. Send us your policy; we will find the renewal date and prepare the cancellation.

Do I need comprehensive cover for a five-year-old car?

The rule of thumb says no, but it only looks at the value of the car. More important is what you can carry if it is written off tomorrow. If you drive on credit or lease, you risk the outstanding balance and not the residual value — and that changes the answer.

Am I covered if I am at fault?

Not by third-party liability: that pays the others. Separate driver cover exists for your own injury. It costs little and is missing from many policies; it is the first section to check.

What is the difference between full and partial comprehensive?

Partial comprehensive covers fire, theft, glass breakage, natural forces and collision with an animal. Full comprehensive also covers damage to your own car in a collision, including when you are at fault or there is no other party.

What happens to my no-claims record?

Your claims history comes with you: your previous insurer issues a statement of recent years, which we request. So you lose nothing by switching. What you can lose is a commercial discount tied to that insurer.

What do you do when I have a claim?

You report it to us with the photos and the accident statement. We make the declaration and follow the file: the assessor, the liability, the replacement car, the payment. You report it through the chat and do not have to police the file yourself.

Who is behind Ōmata?

Ōmata Insurance is the AI-first studio of the Induver group and a sister company of Group Induver NV: two companies within the same group, not parent and subsidiary. Ōmata puts you in touch with Group Induver NV, an insurance broker holding FSMA number 016880; that is where the advice and the policy come about. The full identification is set out in the legal notices.

About Ōmata

Ōmata is the AI-first insurance studio of Group Induver. You tell us what you want to insure over chat; usually within two working days you receive a proposal, drawn up by an insurance broker at Group Induver NV, registered with the FSMA under number 016880.

Read on

Ready to start?

Send us a message and tell us briefly what you want to insure. You get an immediate reply and your proposal usually within two working days.