Optima Classic Car

Optima Classic Car is a private car insurance designed to appeal to owners of classic and cherished cars. This product covers a wide range of classic car models and provides extensive cover tailored to the demands and needs of this market.

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.


Who is it for?

Optima Classic Car is available to individuals aged 25 or older, resident in the UK for more than five years and who hold a full UK licence that require comprehensive or accidental damage, fire & theft (laid-up) cover for cars:

  • with a value between £1,000 and £150,000;
  • driven up to 7,500 miles per year;
  • kept overnight in a garage or on the drive of the policyholder's home address;
  • not being the only vehicle owned by the policyholder.

How to get a quote

Now available on Open GI, SSP, CDL and TGSL.

To activate Optima Classic Car please speak to your Broker Account Executive.


Below are some of the key covers and exclusions. Please see the policy wording for a full description of all the benefits and exclusions.

Cover Comprehensive ADFT
Loss of or damage to the insured classic car, its accessories and or spare parts As a result of an accident, fire or theft As a result of an accident, fire or theft
Loss of or damage to any toolkit on or in the insured car yes yes
Loss of or damage to the insured classic car if it is being restored or repaired by someone else on their commercial premises if the restorer or repairer has no insurance to cover the loss of damage yes yes
Agreed value, subject to completion of Ageas agreed value form and photographic evidence yes yes
Replacement of number plates in the same style as originally fitted yes yes
Third party injury Unlimited Not insured
Third party property damage Up to £20 million Not insured
Cover while the classic car is part of a static display yes Not insured
Cover while the classic car is used in a recognised owners club organised local, national and international rallies yes Not insured
90 days full policy cover in the EU and certain other countries listed on the back of the certificate. yes Not insured
Medical expenses Up to £100 for each person in the insured classic car Not insured
Replacement keys and locks £400 limit £400 limit
Audio equipment permanently fitted to the insured classic car and which was fitted by the manufacturer at the time the classic car was made. Unlimited Unlimited
Audio equipment not fitted to the manufacturer's specification £500 £500
Emergency treatment fees Unlimited payments as required by RTA Not insured
Personal accident benefits for the policyholder and their partner if injured in the EU Up to £5,000 per person Not insured
Personal belongings cover up to £200 per event, plus a further £200 for personal belongings branded to the classic car's manufacturer or model yes Not insured
Replacement broken glass in the insured classic car's windscreen, back windscreen, sunroof or side windows and repair any scratches to the bodywork caused by the broken glass yes yes
Hotel and travel expenses if the insured classic car cannot be driven after an accident or loss covered by the policy Up to £100 per event Not insured
Cover when the classic car is being serviced, examined or repaired yes yes
The cost towards replacing children's car seats if the classic car is involved in an accident or damaged as a result of fire, theft or attempted theft Up to £250 Up to £250
If the insured car is in the UK and cannot be driven as a result of loss or damage covered by the policy we will pay the reasonable cost of protecting it, taking it to the nearest suitable repairer and delivering it to the policyholder's home address   yes yes


  • Accidental damage, malicious damage, fire and theft - £50 to £500, value dependent


Benefit Optima Classic Car
Agreed value Available at no extra cost, simple to arrange. Broker's or owners club valuation acceptable, subject to our agreement. Downloadable agreed value request form available
Limited mileage Customers can select required mileage up to 7,500 at increments of 500 miles. Pricing will reflect usage
Buy cover needed Comprehensive, third party fire and theft or laid-up (accidental damage fire and theft) cover available which can be flexed up or down during policy term
Total loss Customer will be offered vehicle salvage (if safe to do so) after a total loss and will be able to re-insure with Ageas once the classic car repair is evidenced
Accident and glass repair A repairer option or cash settlements gives policyholders flexibility to repair car in the most appropriate way
Heritage number plate cover Value of historically important registration numbers included in agreed value of classic car
Discounts Available for owners clubs
Extended uses Cover can be extended to include use such as occasional weddings hire and use on a film set or at a photo shoot, subject to referral
Toolbox and tool cover Recognising classic cars may need to be repaired on the move, toolbox and tools will be covered whilst in or on the classic car
Accessories and spare parts Accessories and spare parts will be included
Restoration / repair Insurance extends to provide cover on commercial premises whilst being restored or repaired if not covered by garage's own insurance


Optima Classic Car