Motorbike insurance: insure your motorcycle
AXA Assurances Luxembourg

As an enthusiast of motorcycles, 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 commute or for a 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.  

The advantages of OptiDrive Moto insurance:

- 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

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.

Find the combination of guarantees that best suits you

Your OptiDrive Moto insurance package will always include the following guarantees:

Essential guarantees

Motorbike Insurance AXA Luxembourg Basic Cover

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:

Optional additional guarantees

Motorbike Insurance AXA Luxembourg OptiDrive Moto Optional guarantees


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).

Collisions with animals and natural disasters

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 which are fortunately covered by this insurance.

Property damage

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.

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

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

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

Comprehensive Legal Protection Assistance

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.

AXA Assistance

As part of your OptiDrive Moto insurance, you are eligible for the AXA Assistance services:

Services & Advice

The motorcycle inspection: Luxembourg plays by its own rules

Luxembourg’s compulsory motorcycle inspection marks it out as an exception among its neighbours. However, this periodic check will soon be compulsory throughout Europe. A useful guide.


Motorcycles, what to do in case of an accident ?

You were riding a motorbike or scooter and have just been involved in an accident? What are the first things you should do? Are you properly insured? Below we take you step by step through the right procedure to have your damage repaired.


What to do if your motorcycle, motorbike or scooter gets stolen?

Your motorbike or scooter has disappeared, been stolen or broken into? Find all the useful information for a fast response.