Ageas is the UK’s sixth-largest car insurer, providing protection to over four million drivers with its Defaqto 5-Star rated product range and award-winning service.
This guide covers Ageas’s history, policy options, key features, customer experience, pricing, and tips for choosing and managing your cover.
1. Heritage and Company Overview
Founded in 1824 in Belgium, Ageas has evolved through several phases, starting as AG Insurance and later operating under the Bishopgate and Fortis brands. In 2010, the company rebranded as Ageas. By 2018, Ageas began selling directly to UK customers and now offers a broad range of insurance products, including motor, home, van, travel, and pet insurance.
- Defaqto 5-Star rated comprehensive car insurance
- Over four million customers in the UK across personal lines
- ServiceMark accreditation from the Institute of Customer Service for excellence
2. Policy Levels and Coverage Options
Ageas offers two main fully comprehensive products: Essentials and Standard. Both come with core coverage, while additional options are available as add-ons. Here’s a comparison of the key features:
| FeatureEssentialsStandard (Ageas Car Insurance) | ||
|---|---|---|
| Courtesy car | ✔ (standard) | ✔ (standard) |
| Windscreen & window glass cover | ✔ | ✔ |
| Uninsured driver promise | ✔ (excess refunded, NCD reinstated) | ✔ (excess refunded, NCD reinstated) |
| Personal accident cover | Up to £5,000 per accident | Included* |
| Personal belongings cover | – | £150 limit |
| Replacement keys & locks | – | Up to £750 |
| European and UK travel cover | – | Up to 90 days abroad |
| No admin fee for online changes | ✔ | ✔ |
| Optional extras (breakdown, legal) | ✔ | ✔ |
| Target distribution | Price comparison websites only | Direct and broker channels |
*Subject to policy terms.
3. Key Benefits and Features
Ageas’s comprehensive car insurance stands out for its rich inclusions and user-friendly features:
- Uninsured Driver Promise: If you’re hit by an uninsured at-fault driver, Ageas reimburses your excess and reinstates your No-Claims Discount.
- Onward Travel Cover: If your vehicle is immobilised, Ageas will cover transport to your home or UK destination.
- Approved Repairer Network: Offers a courtesy car, valet service, and a lifetime guarantee on repair work through approved garages.
- 24/7 Claims Service: A year-round helpline with a 99% claims payout rate, ensuring fast and reliable support.
- Manage Online: No admin fees for policy adjustments, renewals, or claims through Ageas’s user-friendly online platform.
4. Pricing, Discounts, and No-Claims Protection
Ageas’s premiums can vary based on your driver profile, but here are some sample annual rates (as of May 2025) from MoneySuperMarket:
| Cover Level | Median Annual Price |
|---|---|
| Fully Comprehensive | £622 |
| Third Party, Fire & Theft | £728 |
| Third Party Only | £704 |
Ageas offers No-Claims Discount protection (with limits) and multi-policy discounts when you bundle motor insurance with home, van, or pet insurance.
5. Customer Experience and Reviews
Ageas has earned a 4.2★ rating on Trustpilot from over 20,000 reviews. Customers commonly praise Ageas for:
- Easy online management: Quick and straightforward processes for policy adjustments and renewals.
- Responsive support: Helpful phone and chat support, especially for policy changes.
- Mixed experiences: Some reviews mention occasional dissatisfaction with courtesy car providers and garage interactions.
Smart Money People reviews highlight a few concerns regarding policy exclusions and change-fee transparency, emphasizing the importance of reading policy documents carefully.
6. How to Buy and Manage Your Policy
Here’s how to purchase and manage your Ageas car insurance:
- Get a Quote: Complete the process online in under 7 minutes, either on Ageas’s website or through comparison platforms.
- Select Cover: Choose between Essentials or Standard, and consider adding optional extras like breakdown or legal cover.
- No Admin Fee Online: Easily amend drivers, vehicles, addresses, or occupations online without incurring charges.
- Make a Claim: Claims can be registered online 24/7 or through the emergency helpline for quick assistance.
7. Tips for Maximising Value
Here are some tips to help you get the most out of your Ageas car insurance:
- Protect Your No-Claims Discount: If you expect to file a claim, opt for No-Claims Discount protection to avoid losing your discount.
- Consider Add-Ons: Adding legal cover is useful for business drivers or those seeking motoring prosecution defence.
- Bundle Policies: Save money by combining motor insurance with home, van, or pet insurance.
- Go Paperless: Choose digital documents to support Ageas’s sustainability initiatives and avoid postal delays.
Main Takeaway
Ageas offers strong and comprehensive car insurance with flexible online management, award-winning customer service, and competitive pricing.
With the option to choose between Essentials or Standard cover, along with a range of add-ons and discounts, Ageas provides UK motorists with a reliable and affordable option for their car insurance needs. Whether you’re looking for basic protection or extra benefits, Ageas delivers robust coverage and great customer experience at a competitive price.
