Ageas Car Insurance Review

James Rodriguez James Rodriguez updated on July 7, 2022

This is the ultimate review to guide you through Ageas car insurance.

You might already know that Ageas offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Ageas the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Ageas car policy terms and conditions and given our own ratings based on different criteria.

3,5 Safe overall rating for Ageas

Our ratingOur opinion
Customer service & satisfaction

4.5/5 based on 4,089 opinions on TrustPilot
Detailed and well answered FAQ’s
24/7 in-house claims team

Cover provided

£1,500 Keycare cover is provided with the comprehensive policy
A wide range of cover is provided with the comprehensive policy
Courtesy car is provided with the comprehensive policy
Personal belongings cover is provided
No child seat cover

Value for money

Lifetime guarantee for approved repair work
No admin fee needed to make changes to the policy

Financial strength for pay out

Strong financial capability

Technology

The self service option is accessible
Insurance policies can be taken out and adjusted online
No live chat option is available

Safe rating for Ageas

Expert and customer reviews on Ageas

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Ageas's reputation.

Review organisationConsumer satisfaction rates for Ageas
Defaqto expert rating for Ageas defaqto 4 stars 1
TrustPilot4,5/5 based on 4,089 opinions
Consumer satisfaction rates on reviews for Ageas

To check if Ageas is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Ageas car insurance policy

Ageas has been in operation since 1824, and it is one of the biggest insurers in the UK with more than 5 million customers. It also provides services for other insurance companies also. Ageas only offers the comprehensive cover policy which is detailed and includes services like vandalism cover. Services like the keycare cover, breakdown cover, can be added an optional extra. The prices are well within range and affordable.Alongside the comprehensive level of cover described here, Ageas also offers a more basic policy named Essential, rated 3 stars by Defaqto and with a higher standard excess. Policies are underwritten by Ageas Insurance Limited. The Ageas Group is one of the biggest insurance provider group from Belgium, also owning Rias. Ageas has been rated 4,5/5 on Trustpilot, based on customer reviews exclusively, which means that the claim handling process and the customer experience are highly appreciated.

What does Ageas car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Ageas?

Car insurance policyAvailable at AgeasCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Ageas

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Ageas explained in details

Let's find out what does Ageas covers in its car insurance policy.

Breakdown cover at Ageas

For £29.99 per year, Ageas provides breakdown cover as an optional extra and it comes in four levels:

  • roadside assistance which includes 24/7 roadside repair and assistance
  • roadside plus which includes roadside assistance, onward travel, local and UK vehicle recovery. It costs £44.99
  • full UK recovery which includes roadside assistance, onward travel, local and UK vehicle recovery and home assistance. It costs £74.00
  • full UK & European recovery which includes roadside assistance, onward travel, local and UK vehicle recovery, home assistance and roadside assistance in Europe (£99.00)

Keycare cover at Ageas

For a sum of £19.99 a year, Ageas car insurance policy offers key protection to its customers. This protection comes with £1,500 of cover, including VAT and other services such as:

  • one replacement and duplicate key for each key covered under a valid claim
  • 24/7 assistance
  • £75 a day for alternative means of transportation in the case that you are stranded as a result of a stolen or damaged key.

Windscreen cover at Ageas

The windscreen cover provided by Ageas covers any amount incurred in the repair or replacement of a windscreen or sunroof. Also, the cost of repair to any damage done by the broken glass is covered.

Motor legal protection at Ageas

For £29.60, Ageas’s Motor Legal Protection policy provided that there is a 50% chance of winning the case, provides:

  • £100,000 cover for the driver, passengers and the car in the case of an accident caused by an insured and identifiable person
  • legal fees, advice and support
  • uninsured loss covering
  • personal injury cover
  • any claim above 180 days is not going to be attended to.

Personal policy injury available at Ageas

For £26.50 per annum, Ageas offers the following as part of their Personal Accident Cover:

  • £30,000 for bodily injuries as a result of an accident in the insured vehicle
  • £5,000 in the case than insured person aged 16 or under dies as a result of an accident in the insured vehicle
  • cover for permanent total body disablement as a result of an accident in the vehicle
  • cover to loss of sight in both eyes as a result of an accident in the vehicle.

For any insured person above the age of 80, the claim would not be attended to.

Coverage abroad at Ageas

Ageas’s abroad coverage is available and this coverage allows the holders to travel through Europe for about 90 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Ageas

For £26.50 a year, the following are offered with the replacement cover provided by Ageas:

  • a hire car with a similar engine size of up to 2,000cc, for 14 days
  • a hire car if the accident was the fault of the driver.

Any claim reported 14 days after the accident is not attended to.

No-Claim Bonus (NCB) at Ageas

The longer you go taking out a claim, the less risk Ageas is taking out on your policy, and as a result of that, the higher the discount.

The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys.

At Ageas, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Ageas car insurance terms and conditions

How much does Ageas car insurance cost?

You'll find below indicative car insurance quotes at Ageas:

Drivers'ageMonthly premium
18 years old£103,29
40 years old £42,59
60 years old£31,41
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Ageas insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Ageas?

Cashback vouchers are available for new customers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Ageas car insurance policy summarized

Guarantees

At Ageas
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,500
Personal belongings£300
Audio equipment

No

Medical expenses

£300

Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

90 days

Guarantees at Ageas

Excess

At Ageas
Fire excess£500
Theft excess£500
Accidental damage excess£500
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess

£350

Excess at Ageas

Admin fees

At Ageas
Interest charged by payment installments

29.90%

Renewal fees

£20

Cancellation fees

Cancellation fees during cooling off period: £15
Cancellation fees outside cooling off period: £50

Modification fees

Adjustment fee: £0 online / £25 by phone

Admin fees at Ageas

Other car insurance policies available at Ageas

Ageas classic car insurance

For the classic car insurance, Ageas offers the following:

  • toolbox cover
  • cover in the event that the car is hired for a wedding
  • cover for repairs
  • cover for accessories and spare parts
  • provision of optional extras.

Ageas learner driver car insurance

Young drivers can be added on the the insurance policies of their parents as a named driver and can enjoy as much benefits as the main owner of the policy is enjoying.

Ageas business car insurance

The business car insurance that Ageas can be bought from a broker and it only provides insurance for more than one (with a maximum of 4 business cars).

Ageas van insurance

The van insurance policy offered by Ageas comes with many benefits, some of which include:

  • cover for vans that weigh up to 3.5 tonnes
  • cover for vans used for both business and pleasure purposes
  • cover for van drivers between the age of 21-74.

How to contact Ageas auto insurance?

Ageas phone numbers 

You will find all important phone numbers to contact Ageas car insurance:

Contact numberOpening hours

Customer Service

0345 165 0570

Mon to Fri 8:30am – 8:00pm
Sat 8:30am – 4:00pm.

Quotes

0345 165 0590

24 hours a day

Renewal

0345 165 0929

Mon to Fri 8:30am – 8:00pm
Sat 8:30am – 4:00pm.

Complaints

0345 165 0570

Mon to Fri 8:30am – 8:00pm
Sat 8:30am – 4:00pm.

Windscreen claims

0345 165 0581

24 hours a day

Personal Accident claims

0345 165 0573

24 hours a day

Contact numbers at Ageas

Ageas other contact details

You'll find below Ageas main contact details:

Contact details of Ageas
Email address

[email protected]

Customer account with Ageas login

My Account

Social mediaFacebook, Twitter, Linkedin, YouTube
ChatbotNo
Contact details at Ageas

You can also contact them by mail by writing to Ageas car insurance:

Ageas House,
Hampshire Corporate Park,
Templars Way,
Eastleigh,
Hampshire,
SO53 3YA.

How to claim at Ageas?

Claims can be done online or through phone call.

ServiceCar claim
Claim online

Online claim form

Claim by phone

0345 125 2450

Claim process at Ageas

How to cancel your car insurance at Ageas?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Ageas as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Ageas has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You can also write to Ageas to cancel your car insurance policy:

Ageas,
Deansleigh House, Deansleigh Rd,
Bournemouth, Dorset,
BH7 7DU

You would need to have various documents ready such as:

Ageas could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.