Ageas Home Insurance Review and Quotes
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Discover the methodologyWould 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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
Available 24/7 claims line | |
| Cover provided for your home |
Up to £2M for owner's liability | |
| Value for money |
NCD is not available | |
| Financial strength | Ageas Home Insurance is underwritten by Ageas Insurance Limited. | |
| Technology |
Social media availability |
Expert and customer satisfaction reviews for Ageas home insurance
| Review organisation | Ageas home insurance reviews |
|---|---|
Defaqto expert | Not available |
| Smartmoneypeople | 3,7/5 based on 3 customer reviews |
| Reviews.io | 2,8/5 based on 12 customer opinions |
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.
Good to know
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.
Good to know
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 insurance | Limits |
|---|---|
| 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 |
Good to know
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 insurance | Limits |
|---|---|
| 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 home | Inside: £500 Outside: £500 |
| Credit cards in and outside the home | Inside: £500 Outside: £500 |
| Business equipment kept at home | Not Stated |
| Student equipment | £5 000 |
| Keys cover | £1 000 |
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 |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| 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 claims | Not stated |
| Excess for subsidence claims | Not stated |
| Excess for personal possessions | Not stated |
| Excess for keys | Not stated |
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 installments | Not Stated |
| To renew my policy | Not 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 Ageas | Not covered |
How much does Ageas home insurance cost?
You will below indicative quotes for building and contents insurance at Ageas:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £100 | £100 |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £175,53 | £344,42 |
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 by phone | 0345 122 3019 |
Good to know
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 policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £0 |
| Cancel online | Cancellations can be made on the online account . |
How to contact Ageas home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Claims | 0345 122 3019 | 24/7 |
| Legal Protection helpline | 0345 165 0579 | 24/7 |
Ageas home insurance contact details
| Ageas contact details | |
|---|---|
| Ageas address | Ageas Home Insurance |
| Customer service email | |
| Chatbot available | Live chat is available |
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.
