If you’re looking for a comprehensive car insurance policy, Ageas has many helpful benefits included as standard. There is also access to a 24/7 legal helpline and a 24/7 claims line.
Only comprehensive cover is available for cars, so those wanting to take out third party only or third party, fire and theft cover will have to look elsewhere.
Get started by visiting Ageas and sign up for a policy. If you have read this review and decided that Ageas car insurance is not for you, you can also compare other car insurance policies on the market.
Pros
Many benefits covered as standard, including courtesy car and onward journey costs
Lifetime guarantee for approved repair work
24-hour claim line and motor legal advice helpline available
Cons
No third party only or third party, fire and theft cover available for cars
With Ageas you can only get comprehensive car insurance, which includes a courtesy car, European cover and onward journey assistance. In this review, we look at what Ageas will cover you for in detail, the claim process and how you can save on your policy.
Who is Ageas?
With roots going back as far as 1824, Ageas is one the biggest insurers in the UK with more than 3 million customers. It is part of an international group too.
If you like a human touch it has a 24/7 in-house claims team. Meanwhile you get a lifetime guarantee on any repairs done by one of its approved garages.
Who underwrites Ageas car insurance?
For the most part Ageas Insurance Limited underwrites its own car insurance policies. Yet legal expenses are underwritten by AmTrust Europe Limited.
Take a look at an Ageas car insurance policy document on its website for more details.
What’s covered under my policy?
Cover benefits
Comprehensive
Fire and theft
✓
Personal belongings
Up to £300 per accident
Personal accident
Up to £10,000
Lifetime guarantee for approved repair work
✓
Accidental damage
✓
Courtesy car cover
✓
Windscreen cover
✓
European car insurance
Up to 90 days
In-car entertainment cover
Up to £300 for equipment fitted to the car
Onward journey costs
✓
Replacement locks and keys
✓
24-hour motor legal advice helpline
✓
Optional extras
Ageas also has a number of extras to add to your cover. Optional extras include:
Ageas only offers 2 comprehensive policies: Essentials and Standard. It also offers van insurance, which is available as third party, fire and theft and comprehensive.
Essentials offers most of what the standard comprehensive policy offers, which includes cover for 90 days in the EU and a courtesy car. It has lower cover for medical expenses (£5,000) and doesn’t include cover for windscreen, personal belongings or locks and keys.
This policy includes cover for windscreens, personal belongings up to £300, keys and locks for up to £500 and medical expenses up to £10,000. It offers cover for 90 days in the EU and an uninsured driver promise.
As you might have guessed by the name, this covers for third-party claims, fire damage and theft. You’re also covered to drive in the EU for 90 days.
Ageas’ comprehensive van insurance offers everything from third party, fire and theft. It also has cover for damaged windscreens and glass, personal accident, medical expenses, personal belongings and locks and keys.
How do I make a claim?
You can speak to Ageas’ claims team all year round and every hour of the day by calling 0345 165 5796.
It’s a good idea to have your insurance details and information about your claim to hand when getting in touch.
For windscreen claims you should call 0345 165 0581 instead though. Likewise you’ll need a different number if you have a personal accident claim, a legal protection claim, a breakdown or you’re calling from abroad. Check the Ageas website to find out the contact details.
What is my excess?
An excess is the amount of money you have to pay towards a claim before the insurance money kicks in. Usually this excess fee won’t be any higher than £350 and the point of it is to stop customers making frequent claims for small repair jobs.
By volunteering to have a higher excess you can lower your insurance premiums, although you need to make sure you can afford to pay the fee should you need to make a claim.
Customer reviews for Ageas car insurance
Customers who took part in Finder’s 2023 customer satisfaction survey were mostly positive about Ageas, with many highlighting its “reliable” customer service and competitive cover options. However, some did not like the high premiums.
One customer said, “My insurance was easy to set up, and they offered the best quote for my needs.”
Ageas received an overall customer satisfaction score of 4 out of 5, and 79% of customers would recommend the brand to a friend.
On reviews site, Trustpilot, Ageas scores 4.0 out of 5 from almost 16,000 which is a “Great” rating.
How to cancel Ageas car insurance
You can cancel your policy online. There is a 14-day cooling-off period when you purchase a policy. If you cancel after that there is a £50 cancellation charge. You’ll also be charged for the amount of cover you’ve used.
Frequently asked questions
Potentially. Take a look at your Certificate of Motor Insurance and see whether you’re covered. It will only be for third party protection though.
No, Ageas only offers comprehensive cover for cars. For third party or third party, fire and theft policies, you’ll have to look elsewhere. Ageas does offer third party, fire and theft van insurance though.
Essentially this promise means that if you’re hit by an uninsured driver your excess will be reimbursed and your no claims discount reinstated. Which means you can claim and get your repairs paid for if you’re hit by someone driving without coverage (illegally.)
However, the accident can’t have been your fault and you need to provide the make, model and registration of the other vehicle.
Yes, you can have 2 named drivers insured on your policy as well as yourself.
You can check your expiry date and other policy details online.
Car insurance scores
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
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