Is Ageas a Good Insurance Company?
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyYou are considering buying an insurance policy at Ageas and are wondering if Ageas is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Ageas: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Ageas.
Who is Ageas?
Founded in 1824, Ageas is one the biggest insurers in the UK offering their products and services to over 5 million customers. They provide a wide range of insurance services. Along with home insurance, the company provides car, travel, pet and health cover. The company also provides services for other insurance companies.
What are the main insurance policies available at Ageas?
Let's discover below main insurance policies offered by Ageas.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Home insurance | Get to know more |
Ageas expert and consumers reviews: Defaqto, TrustPilot
Ageas is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Ageas.
| Defaqto | |
|---|---|
| Car insurance | 4 |
| Home insurance | Not available |
Is Ageas a good car insurance company?
3,5 Safe overall rating for Ageas car insurance
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 an optional extra. The prices are well within range and affordable. However, some of the information on the website were not properly listed out and as such could not be found. However, with the strong financial capability and good reviews from review websites, it is recommended.
In addition to typical car insurance coverage choices, Ageas offers, among other options:
Breakdown cover
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)
Windscreen cover
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
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 injury policy
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.
Besides main car insurance coverage, you can also get extra car insurance options at Ageas. Get to know more, read our complete review on Ageas car insurance.
Is Ageas a good home insurance company?
3,6 Safe overall rating for Ageas home insurance
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
Ageas building insurance
You will find below building main insurance details for the Ageas Elastic Home Insurance cover at Ageas:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £100 000
- Period of home's unoccupancy cover: 30 days
- Trace and access: £5 000
- Keys cover: £1 000
- Subsidence excess: Not stated
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Ageas contents insurance
You will find below contents insurance details for the Ageas Elastic Home Insurance cover at Ageas:
- Maximum sum insured for your contents: £100 000
- Alternative emergency accomodation: £50 000
- Single item limit: £1 500
- Contents in the open: £1 500
- Contents in outbuildings: £5 000
- Money / credit card kept at home: £500 / £500
- Items temporarily removed from home: Not Stated
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover | Not Stated |
Standard excess to report a claim at Ageas is £100.
You will find exhaustive cover details, administration fees, contacts etc. on Ageas home insurance on our review below.
>> MORE: read our complete review on Ageas home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Ageas discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
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| Home insurance | No discount available. |
How to contact Ageas?
Find out how to contact and log in to Ageas on our contact page.
