Optima Car

Our competitively priced private car insurance is designed to appeal to lower risk motorists with good driving records. Cover is available on a comprehensive or third party fire and theft basis.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.

Overview

Who is it for?

  • Privately owned vehicles
  • Drivers requiring comprehensive cover for vehicles valued up to £60,000
  • Drivers requiring third party fire and theft cover for vehicles valued up to £5,000
  • Drivers between the 25 and 83 years old
  • Drivers with a full UK/EEA licence for a minimum of five years
  • Can cover some vehicle modifications

How to get a quote

Via your software house.

Cover

Comprehensive

Cover Optima Car
Loss of or damage to the insured vehicle Up to market value
Third party injury Unlimited
Third party property damage £20 million limit
Car stereo and other audio equipment Unlimited for standard fit equipment. £500 limit for non standard fit
Lost car keys and replacement locks £400 limit
Medical expenses £100 limit for each injured person
Emergency medical treatment Unlimited payments as required by RTA
Repairing and replacement of glass Unlimited if approved supplier used
Personal accident benefits £5,000 limit for each injured person. Cover is limited to insured and partner only
Personal belongings £200 limit
Hotel and travel expenses Cover limited to £50 per person, up to a total of £100
Replacement child car seats £250 limit

 Third party fire and theft

Cover Optima Car
Loss of or damage to the insured vehicle Up to market value
Third party injury Unlimited
Third party property damage £20 million limit
Car stereo and other audio equipment Unlimited for standard fit equipment. £250 limit for non standard fit
Lost car keys and replacement locks £400 limit
Emergency medical treatment Unlimited payments as required by RTA
Replacement child car seat £250 limit

 Excesses

Excess Optima Car
Comprehensive accidental damage £50 to £400 (dependent on vehicle group
Fire, theft and malicious damage £100
Replacement glass £50
Inexperienced drivers excess (additional to accidental damage excess).  25 and over with a full licence for less than 12 months or a provisional licence £150

Benefits

Policy benefits

  • Plain English policy wording
  • Up to 9 years no claim discount
  • Protected bonus available if four years or more no claim discount
  • Up to 28 days temporary replacement car whilst the car is being repaired by an Ageas approved repairer - comprehensive only (not available for grey imports)
  • Full policy cover within EU provided free of charge
  • In the event of total loss, a new car replacement may be available providing car is under 12 months old and was first registered as new in the policyholder's name (not available for grey imports)
  • Three years guarantee on all repairs carried out by an Ageas approved repairer
  • No loss of no claim discount and no excess to pay if the policyholder's car is hit by an identified uninsured driver who was solely to blame for the accident

Documents

Optima Car