Optima car

Optima car is Groupama's competitively priced private-car insurance designed to appeal to lower risk motorists with good driving records.

The product covers a wide range of vehicles and provides extensive cover to meet your motor insurance requirements.

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.

• Broken glass cover for the cars windscreen, back windscreen, sunroof and side windows.

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