Ageas Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if Ageas is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on Ageas home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Ageas the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Ageas’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,6 Safe overall rating for Ageas

Safe ratingOur opinion
Customer service & satisfaction
and claims

Available 24/7 claims line
Website is customer friendly and easy to navigate
Low reviews recorded on third party websites

Cover provided for your home

Up to £2M for owner’s liability
Up to £1M for buildings maximum insures
Up to £100 000 for contents maximum sum insured
Unoccupancy period cover of 30 days

Value for money

NCD is not available
Discounts are not provided for joint policies
Admin fees are not stated

Financial strength

Ageas Home Insurance is underwritten by Ageas Insurance Limited.

Technology

Social media availability
Policy documents are available on the website
Customer login option is provided
No live chat option

Safe rating for Ageas home insurance

Expert and customer satisfaction reviews for Ageas home insurance

Review organisationAgeas home insurance reviews

Defaqto expert

Not available

Smartmoneypeople3,7/5 based on 3 customer reviews
Reviews.io

2,8/5 based on 12 customer opinions

Consumer satisfaction rates on reviews for Ageas home insurance

Our general opinion on Ageas home insurance

Ageas is one the biggest insurers in the UK with more than 5 million customers and it was founded in 1824 and they provide a wide range of insurance services. Along with home insurance, the company provides car, travel, pet and health cover.

Ageas only offers one type of home insurance which is called the "Ageas Elastic Insurance" and it includes cover for both buildings and content. For the building insurance, Ageas offers alternative accommodation, unoccupancy period, owner’s liability and keys cover. Up to £1,000,000 is provided for building insurance, and £2,000,000 for owner’s liability, When compared to other insurers, that is a very good cover amount. Other services like trace access, keycare cover are also provided for.

Ageas is not rated by Defaqto, however, it has a 3.7 rating on Smartmoneypeople and a 2.8 rating on Reviews.io.

Cover is also provided for most contents, including those in the open and outbuildings. Accidental damage, Personal possessions, Legal expenses are all provided as optional extras that can be added to the insurance policy at an additional cost.

The company however stopped providing its home insurance services (the Elastic Home Insurance) on the 30th of September, 2019

What does Ageas home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at Ageas will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at Ageas covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Ageas buildings and contents insurance

Ageas provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Ageas building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£100 000

Period of home’s unoccupancy cover

30 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

Not covered

Subsidence

As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

Ageas building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£2 000 000

Alternative emergency accomodation

£50 000

Period of home’s unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

£1 500

Contents kept in outbuildings (garage included)

£5 000

Thefts from outbuildings

Not Stated

Single item limit for valuables

£1 500

Items temporarily removed from home

Not Stated

Money in and outside the homeInside:

£500


Outside:

£500

Credit cards in and outside the homeInside:

£500


Outside:

£500

Business equipment kept at home

Not Stated

Student equipment

£5 000

Keys cover

£1 000

Ageas contents insurance

Ageas home insurance additional cover

On top of your Ageas buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Home Emergency cover as optional extra
  • 24/7 Emergency Assistance
  • Cover for call out charges, labor, costs of materials and parts
Boiler cover
  • Part of the home emergency optional extra
  • Boiler repair is covered
Legal protection
  • Optional extra
  • Up to £50,000 for legal representation
Personal possessions
  • Optional extra
  • Up to £ 5000 limit for personal possessions
Mobile cover
  • Part of the personal possessions cover
  • Up to £1 500 limit
Bicycle cover

Not Stated

Ageas home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£100
Excess for escape water claimsNot stated
Excess for subsidence claimsNot stated
Excess for personal possessionsNot stated
Excess for keysNot stated
Ageas home insurance main excess

Ageas home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Ageas fees are as follows:

Fees applied to manage your Ageashouse policy
Interests on payment installmentsNot Stated
To renew my policyNot stated
To adjust my policy£0
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£0
For payment default£0
To switch from one insurer to AgeasNot covered
Home insurance fees at Ageas

How much does Ageas home insurance cost?

You will below indicative quotes for building and contents insurance at Ageas:

Building insuranceContents insurance
Excess£100£100
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Premium£175,53£344,42
Home insurance quotes at Ageas

It is very difficult to give a precise range of how much exactly will your home insurance cost at Ageas as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Ageas will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Ageas home insurance discounts available

No discount available.

How do I a claim on Ageas home insurance?

Claims can be recorded by either using a Claims referral form or by calling a customer care representative.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Ageas home insurance?
Claim online

Claim form

Claim by phone

0345 122 3019

How to claim on my home insurance at Ageas

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Ageas house insurance?

To cancel your Ageas house insurance, here is what you need to know: 

Cancelling your home insurance at Ageas
Cancellation notice if Ageas cancel your policy14 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £0
Cancel online

Cancellations can be made on the online account .

How to cancel my Ageas home insurance

How to contact Ageas home insurance?

ServicesPhone numbersOpening hours
Claims

0345 122 3019

24/7

Legal Protection helpline

0345 165 0579

24/7

How to contact Ageas home insurance

Ageas home insurance contact details

Ageas contact details
Ageas address

Ageas Home Insurance
Deansleigh House,
Deansleigh Road.
Bournemouth
BH7 7DU
Dorset
United Kingdom

Customer service email

[email protected]

Chatbot available

Live chat is available

Ageas contact details

How do I log in to Ageas customer portal?

You can login to your account on the Homepage of the Ageas website. Click on the "Existing Customer" option, click on the "Log in" option and enter your details.
The access link: https://my.ageas.co.uk/

How do I get Ageas home insurance quotes? 

To get a quote online at Ageas, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Ageas is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Ageas home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Ageas house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.