As an enthusiast of motorcycles, 50cc, 125cc, 500cc, to infinite and beyond, custom, roadster or café racers, do you want to take to the road and feel the hum of your engine without a care in the world? For your daily scooter commute or for an exhilarating ride on your motorcycle, AXA Luxembourg covers you and your motorcycle against all the bumps in the road.
With OptiDrive Moto insurance, find the ideal cover for your motor vehicle.
📋 Tailor-made packages and additional options that optimally meet your needs and your passion.
🏍️ 36 months replacement value cover for motorcycles less than 12 months old.
📞 Free comprehensive assistance, available 24/7 in case of emergency.
🔌Insurance for electric 2-wheelers
Do you prefer a quiet ride? The OptiDrive Moto cover includes the specific features of an electric motorcycle. In the event of an electrical failure, you are covered by breakdown assistance and your charging cable is covered by theft insurance.
1️⃣ Essential motorbike guarantees
Your OptiDrive Moto insurance package will always include the following guarantees:
| BASIC COVER | DESCRIPTION OF THE GUARANTEES |
| Civil Liability ✔ | It covers you against damage caused to others and to the people you are carrying. |
| Legal Protection ✔ | This comes in useful to defend your interests in the event of injury or loss suffered or caused to a third party. |
| Accident Assistance ✔ | This offers protection for your motorcycle as well as you and your passengers in case of an accident. |
2️⃣ Optional motorbike additional guarantees
To reflect your actual use of the motorcycle we then offer you the possibility of supplementing the basic cover with one or more of the following additional cover options:
| ADDITIONAL COVER | DESCRIPTION OF THE GUARANTEES |
| Fire 🔥 | This protects you in the event of damage caused by fire, explosions, implosions, attacks or lightning strikes. |
Theft 🥷 + Fire | It compensates you if your motorcycle gets stolen. The costs of replacing the locks and/or changing the codes of an anti-theft system in the event of theft or loss of key(s) and/or fob(s) are also covered. Fire cover automatically added with the Theft cover. |
Collisions with animals and natural disasters 🍁 + Fire | It compensates you for damage caused by storms, floods, hail or snow. It also compensates damage caused by impact with an animal. Fire cover automatically added with the collisions with animals and natural disasters cover. |
Property damage 🫗 + Fire / Theft / Collisions with animals and natural disasters | This covers you against damage caused to your motorcycle in the event of an accident, whether or not you are at fault. You equipment is also covered up to €1,500. Fire, Theft, Collisions with animals and a natural disasters cover automatically added with the Property Damage cover. |
Fuel leakage, overheating of the engine or a short circuit are all damages that can occur.
Fire insurance covers damage resulting from fire, explosion or implosion, an attack or a lightning strike.
This cover allows you to insure:
✅ Theft, destruction or deterioration by thieves, including special fittings and accessories of your motorcycle or scooter.
✅ Bikejacking with or without violence.
✅ The costs of replacing the locks and/or changing the codes of an anti-theft system in the event of theft or loss of key(s) and/or fob(s).
Have you hit a wild animal, have rodents attacked the cables of your motorbike or have you had to deal with a storm, flood or hail? Here are some examples of events that can happen and damage your motorcycle, but whose costs are fortunately covered by this insurance.
By taking out this cover you are insuring:
✅ Material damage to your own motorcycle or scooter after an accident, even if you are at fault, or after an act of vandalism, for example. Whether your vehicle is on the road, parked or in the garage.
✅ Damage to your motorcycle while it is being transported by rail, sea, inland waterway or air.
Your equipment (helmet, boots, suits, jacket, gloves) is also covered up to €1,500.
3️⃣ 3 options to upgrade your Motorcycle insurance cover
For optimal cover, you can add up to 3 options of your choice to your insurance package:
Driver Protection Option
The "Driver Protection" option protects you as the driver of the motorcycle following an accident (even if you are at fault) or attempted theft, in case of:
✅ Bodily injury
✅ Permanent disability
✅ Death
Breakdown Assistance Option
Your vehicle is refusing to start? Call for assistance via the breakdown service in the event of:
✅ Fuel failure or misfuelling requiring an oil change
✅ Battery failure
✅ A puncture
✅ Loss of keys
Legal Protection Option
If you find yourself embroiled in a dispute, take advantage of the Comprehensive Legal Protection assistance.
✅ Thanks to this option, your expenses for the resolution of the dispute will be covered up to €40,000.
4️⃣AXA Assistance
As part of your OptiDrive Moto insurance, you are eligible for the AXA Assistance services:
Comprehensive assistance in case of emergency:
- 🛻Breakdown, towing, repatriation
- 🩺Medical and legal assistance
- 🧳Travel and luggage assistance
- 🏍️Replacement vehicle (car)
Available 24/7:
📱The service is available 24 hours a day, 7 days a week
🌍Worldwide
5️⃣Free AXA service with your motorbike insurance
As part of your OptiDrive Moto insurance, you are eligible for the AXA "Joker Taxi" service:
🚕Joker Taxi Service - When you’re no longer in a fit state to drive, AXA pays for a taxi, 3 times a year, so that you can get home safely.
Below you find some examples of annual rates to insure a BMW and a Harley-Davidson motorbike with basic and additional coverage for a driver with a no claims bonus level of -3 (excluding charges and taxes):
CHOICE OF COVERAGE Material Damage with deductible of €400 | CHOICE OF COVERAGE Material Damage without deductible | ||
🏍️ BRAND: BMW Model: R 1250 GS Capacity: 1.254 KW: 100 Price: €20.000 | Basic coverage: Civil liability, legal protection, accident assistance | € 112 | € 112 |
Additional coverage: Fire, theft, collision with animals and force of nature | € 120 | € 120 | |
Additional coverage: Material damage | € 375 | € 500 | |
| TOTAL PREMIUM | € 607 | € 732 | |
CHOICE OF COVERAGE Material Damage with deductible of €400 | CHOICE OF COVERAGE Material Damage without deductible | ||
🏍️ BRAND: Harley-Davidson Model: Road Glide Capacity: 1.868 KW: 66 Price: €30.000 | Basic coverage: Civil liability, legal protection, accident assistance | € 112 | € 112 |
Additional coverage: Fire, theft, collision with animals and force of nature | € 180 | € 180 | |
Additional coverage: Material damage | € 563 | € 750 | |
| TOTAL PREMIUM | € 855 | € 1042 | |
A motorbike insurance adviser is at your service in every region of the Grand Duchy of Luxembourg.
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