Optima Plus

Optima Plus is Groupama's private car policy for high performance and high value cars and for Japanese grey imports and non-standard risks.

It is available only through selected specialist intermediaries with the requisite expertise and client bank.

Prestige and Performance encompasses UK cars, with a value of up to £120,000. Ferrari, Maserati, Aston Martin and Porsche are all acceptable, along with many other prestige manufacturers. A minimum driver age of 28 applies, along with a minimum of two years no claims discount, (either earned or mirrored from a second car). At least one year's driving experience on similar vehicles is essential. Additionally, prestige cars with a value up to £150,000 can be accommodated on referral to Groupama on a bespoke basis.

The grey import policy covers all Japanese-imported vehicles, from a Nissan March (Micra) to a Nissan Skyline or Mitsubishi Lancer Evo, with a maximum value of £35,000. Again, a minimum driver age of 28 applies, with a minimum requirement for 2 years no claims discount and relevant driving experience for the more highly rated cars.

Discounts are available for length of ownership, garaging, additional security and limited mileage, and benefits are as follows:

Comprehensive and third party fire and theft policies include as standard:

• Guaranteed repairs with a partnership repairer.
• New car replacement if the car is under 12 months old, and the policyholder is the first or second registered keeper (where the first owner is a main dealer of the car manufacturer).
• Third party property damage cover up to £20m.
• Up to £250 payable to replace child car seats even if they do not appear to be damaged following an event covered by the policy.
• Loss of car keys and replacement of locks up to £400.
• 365 days of policy cover whilst travelling within the European Union.
• Policyholder's no claim discount will be maintained and no excess will apply in the event of an accident with an identified driver who is not insured, where the accident was completely the fault of the uninsured driver.

Comprehensive policies include as standard:

• Up to £100 towards overnight accommodation or travel expenses if the policyholder and passengers cannot continue their journey following an accident.
• Up to £5,000 personal accident cover for both the policyholder and their partner if accidentally injured in the European Union.
• Up to £200 (any one event) for loss of or damage to personal belongings.
• Up to £100 medical expenses cover for each injured person in the policyholder's car.
• Up to 28 days temporary replacement car whilst the car is being repaired by a Groupama partnership repairer (a replacement car may not be available if your vehicle is a grey import).
• Unlimited broken glass cover for the cars windscreen, back windscreen, sunroof and side windows if approved repairers are used.

PLEASE NOTE: Terms and conditions may apply in relation to some of the benefits detailed above.  For more information please contact your insurance adviser.