Ageas motorcycle and classic motorcycle insurance policies are geared towards safe riders and a wide variety of bikes. We checked out this insurance provider and here’s what we think you should know about Ageas motorbike cover.
Ageas can trace its roots back to 1824 and then began insuring customers in the UK in 1939. It offers a range of personal and business financial products including home, travel, business, van, motorbike and 5-star Defaqto-rated car insurance.
It’s one of the larger insurers in the UK and part of a global group, with its headquarters in Brussels, Belgium.
You can only buy Ageas motorcycle and classic motorcycle insurance from a broker, not by contacting Ageas directly.
Ageas offers the three standard types of motorbike cover:
The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.
You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.
You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike or a replacement if yours is declared a write off and cover you for any personal injuries. Following an accident, Ageas says you can decide who fixes your bike or it will give you the cash to fix your own bike. And it’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | – | ✓ | ✓ |
| Accidental damage | – | – | ✓ |
| European use | ✓ | ✓ | ✓ |
| Audio/Satellite navigation equipment | – | ✓ | ✓ |
| Key cover | – | ✓ | ✓ |
| Hotel/travel expenses | – | – | ✓ |
Check your policy details carefully to ensure you have the right cover for your needs.
Ageas offers a range of products that provide increased protection in certain areas. Some of the additional cover options to bolt onto Ageas motorbike insurance are:
Any motorbike cover offered by Ageas is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call the Ageas 24-hour claims line on 0345 126 2599 to register a claim. This 24-hour claims line is over seven days a week.
Ageas recommends you have the following information to hand when calling to report an incident or make a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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