Optima Classic Bike

Optima Classic Bike is our motorcycle insurance designed to appeal to owners of classic and cherished motorcycles. This product covers a wide range of classic motorcycle 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 Bike is available to individuals aged 30 or older, resident in the UK for more than five years and who hold a full UK licence that require comprehensive, third party, fire & theft or accidental damage, fire & theft (laid-up) cover for motorcycles:

  • manufactured before 1988;
  • with a value between £1,000 and £100,000 if cover is comprehensive or accidental damage, fire & theft (third party, fire & theft maximum value £5,000);
  • ridden up to 5,000 miles per year;
  • kept overnight in a garage at policyholder's home address.

How to get a quote

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

To activate Optima Classic Bike 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 TPFT ADFT
Loss of or damage to the insured classic motorcycle, its accessories and or spare parts As a result of an accident, fire or theft As a result of a fire or theft As a result of an accident, fire or theft
Loss of or damage to any toolkit on or in the insured motorcycle yes yes (loss only) yes
Loss of or damage to the insured classic motorcycle 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 (loss only) yes
Agreed value, subject to completion of Ageas agreed value form and photographic evidence yes yes (loss only) yes
Replacement of number plates in the same style as originally fitted yes yes yes
Unlimited third party injury yes yes Not insured
Third party property damage Up to £20 million Up to £20 million Not insured
Cover while the classic motorcycle is part of a static display yes yes Not insured
Cover while the classic motorcycle is used in a recognised owners club organised local, national and international rallies yes yes Not insured
90 days full policy cover in the EU and certain other countries listed on the back of the certificate. yes yes Not Insured
Replacement keys and locks £400 limit £400 limit £400 limit
Emergency treatment fees Unlimited payments as required by RTA Unlimited payments as required by RTA Not insured
Cover when the classic motorcycle is being serviced, examined or repaired yes yes yes
Overnight accommodation  £100 per event No Not insured


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


Benefit Optima Classic Bike
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 5,000 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 motorcycle repair is evidenced
Accident repair A repairer option or cash settlements gives policyholders flexibility to repair motorcycle in the most appropriate way
Heritage number plate cover Value of historically important registration numbers included in agreed value of classic motorcycle
Discounts Available for owners clubs
Extended uses Cover can be extended to include track-days and commercial 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 motorcycles may need to be repaired on the move, toolbox and tools will be covered whilst in or on the classic motorcycle
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 Bike