Ageas car insurance review

Our verdict

Our verdict

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?

Optional extras

Ageas also has a number of extras to add to your cover. Optional extras include:

• Legal expenses cover
• Breakdown cover
• Replacement vehicle cover
• No-claims bonus protection
• Key cover
• Excess protection cover

What are Ageas’ different policies?

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 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.

• Standard comprehensive

  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.

• Third party, fire and theft van insurance

  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.

• Comprehensive van insurance

  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

• Am I covered to drive other vehicles?

  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.

• Does Ageas offer third party insurance?

  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.

• What is Ageas' uninsured driver promise?

  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.

• Can I add an additional driver?

  Yes, you can have 2 named drivers insured on your policy as well as yourself.

• How do I check my Ageas car insurance expiry date?

  You can check your expiry date and other policy details online.

Written by

Esther Wolffowitz

Publisher

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

Co-written by

Jason Loewenthal

Senior writer

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