At Ominimo, we believe in transparency and customer empowerment. We encourage you to compare our prices with other insurance companies in Sweden to ensure you get the best deal. If our rates are more competitive and you prefer a digital insurance experience, we might be the perfect fit for you. We strive to make insurance simple, efficient, and cost-effective, providing you with a smooth and hassle-free process from start to finish.

Ominimo is ideal for individuals who value fair pricing and a seamless digital experience. If you consider yourself a safe driver, traditional insurance companies might have overpriced your coverage. If you are already comfortable using mobile banking, food delivery, and car-hailing apps, you will likely appreciate the convenience of managing your insurance digitally, too. Our platform is a perfect match for those seeking a straightforward and efficient car insurance process, where you can save time and effort, spending just a few minutes to secure the coverage you need at a fair price.

We’ve spent hundreds of hours reviewing some of the best car insurance options in Sweden – and can now offer you three choices for traffic insurance as well as partial or comprehensive coverage. Choose our **Basic** option if you want an affordable price with essential protection, **Premium** for the best balance between price and coverage, or **Extended** if you’re looking for extra-comprehensive protection comparable to the top products on the market.

We prioritize your security with every payment. All transactions are handled through established payment services using the highest security standards, including full encryption to protect your sensitive information. You can feel confident that our online payments are just as secure as those on the most trusted platforms. Your financial safety is important to us – that’s why you can pay easily, securely, and without worry.

Your trust in us is well-placed for several reasons. Ominimo is backed by the Zurich Insurance Group, a reputable Swiss insurance company with a rich history of 150 years. When you choose Ominimo, your damage is ultimately covered by Zurich Insurance, our exclusive partner in Sweden. This partnership means that a company of Zurich (DA Direkt) provides a guarantee for Ominimo, ensuring we operate under their established license, balance sheet, and capital. Moreover, both Zurich's and our operations are strictly overseen by the Swedish Financial Supervisory Authority (SFSA), which vigilantly regulates all participants in the insurance market. We are committed to upholding your rights, and any violation would not only harm our reputation and business but also result in severe sanctions from the SFSA. Your peace of mind and satisfaction are paramount to us, and we aim to build your trust through transparency, reliability, and adherence to stringent regulations.

Making changes to your policy is easy and convenient with Ominimo. Once you have purchased a policy, you will receive an invitation to download our app from the Play or Apple Store. The app offers various "self-care" functionalities that are user-friendly and straightforward. You can easily amend any information, manage your insurance documents, file a claim, and more, all from the app. Alternatively, if you prefer not to download the app, you can access the Customer Portal on our website. It provides the same user-friendly experience, allowing you to make policy amendments and perform other tasks with equal ease. At Ominimo, we prioritize accessibility and simplicity, ensuring you have full control over your insurance needs at your fingertips.

Most likely, yes. However, we encourage you to verify this for yourself. Take the time to compare our prices with those offered by other insurance companies. At Ominimo, our operational efficiency allows us to maintain significantly lower costs, which we pass on to our customers in the form of lower prices. Should you receive a higher quote from us, it means our assessment of your underlying risk might be higher. Nevertheless, we are continuously refining and enhancing our pricing models to ensure greater precision. Until we achieve this, if you find better rates elsewhere, please, feel free to choose the competition. We genuinely want what is best for you, and there are no hard feelings. Your satisfaction and financial well-being are our primary concerns, and we believe in giving you the freedom to make the most informed decision for your insurance needs.

We use what’s called a technical price to determine the cost of your insurance. It’s a way to ensure that the price you pay reflects your actual risk – no more, no less. The price consists of three main components:

Expected Loss
This is an estimate of the average cost of claims. It’s calculated by multiplying the likelihood of an incident (frequency) by the average cost of that incident (severity).
Example: If the risk of you being involved in an accident is 10% and the average cost of a claim is SEK 30,000, the expected loss is SEK 3,000.

Administrative Costs
These are our fixed costs allocated to each policy. If our total fixed costs are SEK 1 million and we sell 10,000 policies per year, that means SEK 100 per policy goes toward administration.

Distribution Costs
This is what it costs us to reach new customers, for example through advertising or comparison sites like Compricer, Zmarta or Happens. The average distribution cost per policy might be around SEK 500.

Adding up these components gives us a technical price of SEK 3,600 (SEK 3,000 + 100 + 500). To run a sustainable business, we typically add a small margin of 5–10%. In addition, there is a 32% insurance premium tax on traffic insurance products, which we report and pay to the Swedish Tax Agency.

We believe in transparency and fairness. Our goal is for you to always feel that the price you pay reflects your actual risk – and that you get a competitive offer with no hidden costs.

If you have any questions about how we price our insurance, feel free to contact us!

No way! With Ominimo, you get a coverage comparable to other insurance companies. We do not cut corners on your protection. Whatever coverage you choose on the market, you can likely get it with us at a better price. Don't fall for 'premium prices' from others – we offer top-notch coverage without the hefty cost. Your peace of mind is our priority, and we ensure you receive the best value for your insurance needs.

Here's the straightforward answer – it's all about the deal we can offer you. Compare our price with what your current insurance company provides. If we can give you a better deal, we would be thrilled to have you on board. Beyond the price, we guarantee you a superior customer experience, as it is our absolute obsession. Your satisfaction matters to us, and we strive to make your insurance journey hassle-free and enjoyable. So, take a moment to compare, and if we come out on top, we would be delighted to welcome you to Ominimo!

The Zurich Insurance Group is our exclusive partner in Sweden, and they play a crucial role in our operations. DA Direkt, a full subsidiary of the Zurich Group, is the risk carrier in our partnership, they take on the responsibility of paying out all claims. While we handle all customer interactions and activities, it is DA Direkt with whom you have the actual insurance contract. They provide the insurance license, balance sheet, and capital that back our offerings. Rest assured that your protection is our top priority, and Zurich's track record is a testament to their reliability. Additionally, their operations are directly supervised by the Swedish Financial Supervisory Authority (SFSA), ensuring your rights are fully safeguarded. So, when you choose Ominimo, you benefit from the best of both worlds – our expertise in technology and customer service, paired with Zurich's financial strength and long-standing reputation in the insurance industry. Together, we are fully committed to providing you with reliable and secure coverage, putting you in safe hands for all your insurance needs.

Absolutely! There's no difference at all – a digital policy is just as valid as a paper-based one, both legally and in terms of coverage. Once you complete your purchase on our website (or through a price comparison website, or through a car dealership, or a broker), you will receive your digital policy via email. You have the option to keep it in digital format or print it out – either way, it remains equally valid. With a digital policy, you enjoy the same coverage and customer rights as with a paper-based policy. The best part? It is more convenient and hassle-free, as you don't need to pick it up or carry it around, and there is no risk of losing it. So, rest assured, your digital insurance policy is a reliable and secure way to have all the coverage you need, conveniently accessible whenever you need it.

Once you complete your purchase, we will promptly send your insurance policy directly to your email. You can expect to receive it almost immediately – within minutes, if not seconds. In addition to the email, you can also access your policy through our user-friendly app or our Customer Portal on our website. We want to make sure you have easy access to your policy whenever you need it, whether you're on the go or at home. So, getting your insurance policy has never been faster or more convenient!

We always do our best to handle your claim as quickly and smoothly as possible. If your car has been damaged, we may sometimes refer you to a specific workshop to speed up the process.

The time it takes depends on the severity of the damage. Minor issues, such as a chipped windshield, can often be resolved within just a few hours. More significant damage may take longer, depending on the extent of the issue, workshop availability, and whether a more thorough assessment is needed.

No matter what has happened, you can feel confident that we handle your case with care and focus on delivering a fair and timely solution.

Absolutely! Our platform is accessible from every corner of Sweden, and our policies cover the entire country. Whether you reside in bustling Stockholm or a tranquil rural area, you can easily get insured with us. We welcome customers from all regions, and we are delighted to have you on board. Your convenience and satisfaction matter to us, no matter where you are, and we are here to provide you with top-notch insurance coverage and support.

Our company's philosophy is to satisfy your needs at the highest level, so that our products and services are more and more adapted to your needs, and so that you can manage your affairs as quickly and simply as possible. Your opinion, insight, and constructive criticism play a prominent role in achieving our goals, which is why we always welcome them. For this purpose, you can reach us directly at klagomal@ominimo.se