Ageas Car Insurance

Ageas Car Insurance UK 2025: Comprehensive Guide for Drivers

Last Updated: August 2025

Ageas Car Insurance, the UK’s sixth-largest car insurer, serves over 4 million policyholders and supplies both direct and broker-channel coverage. This definitive guide explores Ageas’s policy tiers, coverage, customer service, claims performance, pricing, user experiences, and tips for saving on premiums.

1. About Ageas Car Insurance: History & Corporate Strength

Ageas Car Insurance originated in Belgium in 1824 and rebranded from Fortis in 2010 (Free Price Compare, FLOW Cars Insurance, Wikipedia). Its UK insurance arm insures over four million drivers, and in 2024–25, acquired Esure including brands like Sheilas’ Wheels and First Alternative doubling its UK market presence and solidifying it among the top three UK personal lines insurers (The Times).

Industry recognition includes Personal Lines Insurer of the Year and multiple awards in fraud mitigation and claims technology at the British Insurance Awards 2024 (Ageas UK). Ageas holds a Defaqto 5‑star rating for both motor and home products (Ageas UK).

2. Available Policy Types in Ageas Car Insurance

Ageas offers two core car insurance tiers:

• Essentials Comprehensive – broad coverage at a low price point
• Standard Comprehensive – richer benefits like European travel and replacement keys

Note: Ageas does not sell TPFT or TPO policies for cars only comprehensive cover is available (FLOW Cars Insurance, finder.com).

Included Features Comparison

Feature	Essentials	Standard
Courtesy car	✔	✔
Windscreen & glass cover	✔	✔
Uninsured driver promise	✔ (excess refunded; NCB protected)	✔
Personal accident cover	Up to £5,000	Included
Personal belongings	—	Up to £150
Replacement keys & locks	—	Up to £750
EU travel cover (90 days/year)	—	✔
Online policy changes free	✔	✔
Lifetime repair guarantee	❌	✔

Essentials is often limited to price comparison website distribution, while Standard is more broadly available via brokers and Ageas’s direct channels (FLOW Cars Insurance, moneysupermarket.com).

3. Core Features & Benefits of Ageas Car Insurance

✔ Uninsured Driver Promise

If you’re hit by an uninsured or untraced driver, Ageas refunds your excess and preserves your No-Claims Discount (NCB) (FLOW Cars Insurance).

✔ Onward Travel & Courtesy Vehicle

If your car is declared a total loss or requires overnight repair, Ageas typically provides transport to your destination or home, plus a courtesy car if needed (FLOW Cars Insurance).

✔ Defaqto 5-Star Cover

All key benefits are included as standard in Ageas Standard policies, demonstrating above-average coverage among UK insurers (finder.com).

✔ Claims Service & Customer Experience

Ageas maintains a 24/7 claims helpline and an in-house team that offers consistent, prompt service. It has won multiple awards for claims handling and service excellence (finder.com).

4. Real Customer Reviews on Ageas Car Insurance– Praise & Complaints

High Satisfaction

Trustpilot ratings hover around 4.1–4.2 stars from over 20,000 reviews, with customers highlighting helpful staff, clear policy info, and smooth claims handling (FLOW Cars Insurance).

Examples:

• “Excellent service… claims were efficient and communicated well.”
• “Renewing car insurance was straightforward, very competitive for my situation.” (reddit.com)

Areas for Improvement

Some customers reported:

• Automatic renewals with markup, e.g., loyalty penalties or added renewal fees (~£20). Reddit threads mention loyalty resulting in higher quotes, adding frustration (reddit.com).
• Policy increases despite no claims – e.g., a customer saw fees increase by £160 despite no incidents.
• Mixed chat/phone experience: Some users cited difficulty reaching good support when needed (uk.trustpilot.com, trustpilot.com).

5. Pricing Overview of Ageas Car Insurance & Premium Examples

Median Costs

According to MoneySuperMarket (May 2025), sample median premiums are:

• Fully Comprehensive: £622
• TPFT Insurance: £728
• TPO Insurance: £704 (though Ageas doesn’t provide TPFT/TPO direct for cars) (moneysupermarket.com, FLOW Cars Insurance)

Ageas offers NCB protection, multi-policy discounts, and savings if you bundle home, pet or van insurance with your motor policy (FLOW Cars Insurance).

Factors Affecting Premiums

• Driver age, risk group, postcode, NCB history, and vehicle type.
• Admin-free online changes help lower overall cost, but phone-based updates may incur £25 fees (FLOW Cars Insurance).

6. Claims Process & Complaint Handling

Claims Efficiency

Ageas delivers high customer satisfaction in motor claims, often rated among the best in the industry. Its claims team has won awards, and only about 5.9% of relevant FCA complaints are upheld—significantly below industry average (27%) (Insurance Times).

Common Complaints

Some users have reported:

• Poor courtesy car service from third-party garages.
• Engine or repair-related issues dismissed post-claim.
• Health-related claim handling frustrations, especially for vulnerable drivers post-accident (FLOW Cars Insurance).

7. Key Strengths & Weaknesses of Ageas Car Insurance

Strengths

• Rich benefits included as standard (courtesy car, windscreen cover, legal support)
• Easy online policy management with no admin fee
• 5-star Defaqto rating and ServiceMark accreditation for customer service
• Lower claims-complaint upheld rate than sector average (finder.com, uk.trustpilot.com, Ageas UK)

Weaknesses

• No TPFT or TPO motor insurance options through Ageas (cars only)
• Auto-renewal fees or price hikes appear untransparent to some customers
• Mixed reviews over telephone and chat support experience (uk.trustpilot.com)

8. How to Get a Quote and Buy

1. Visit Ageas directly or use comparison platforms like MoneySuperMarket or FlowCars.
2. Choose between Essentials or Standard comprehensive.
3. Optional extras: breakdown, key cover, legal, NCB protection.
4. Adjust drivers or vehicle details online (free) or via phone (admin fee applies).
5. Make claims or request assistance through Ageas’s 24/7 portal or helpline (FLOW Cars Insurance).

9. Money-Saving Tips & Best Practices for Ageas Car Insurance

• Bundle multiple policies (home, pet, van) for discounts.
• Protect NCB if you may claim knowing the cover limit helps.
• Make changes online, not by phone, to avoid admin charges.
• Review renewal quotes early and shop around even loyalty may not yield best pricing.
• Maintain accurate vehicle and driver information (job title, usage, mod details) to avoid unexpected premium increases at renewal.

10. Frequently Asked Questions (FAQs) on Ageas Car Insurance

Q1: Does Ageas offer TPFT or Third Party Only policies?

No—Ageas only sells comprehensive car insurance through Essentials and Standard tiers (The Independent, reddit.com).

Q2: Can I cancel my policy within the first 14 days for free?

Yes—if no claim has been made and you request cancellation before 14 days, there’s no cancellation fee. After that, a £50 fee usually applies (The Independent).

Q3: Does Ageas provide legal assistance and breakdown coverage?

Legal support is included under both Essentials and Standard. Breakdown cover is offered as an optional add‑on, not included by default (finder.com, FLOW Cars Insurance).

Q4: How do I cancel Ageas Car Insurance online?

Log into your account, scroll to “Thinking of leaving us?”, and follow prompts. Initiate changes via phone may incur charges (The Independent).

Q5: What if I need help with a claim or renewal?

Use Ageas’s 24/7 claims helpline or live chat (through virtual assistant), or escalate via FOS if necessary (The Independent).

Q6: Will Ageas Car Insurance auto-renew my policy?

Yes, Ageas often auto-renews policies, and Reddit users warn that loyalty can sometimes lead to unexpected price hikes or a renewal fee of around £20 (reddit.com).

NEXT: Hastings Car Insurance

11. Reddit & Consumer Voices

On Reddit, users comparing Ageas with competitors highlight pricing trends:

• One driver retained Ageas because renewal quote (£530) beat Admiral quote (£560) for equivalent coverage—even after discounts (reddit.com).
• Reviews confirm customers often save by staying with Ageas if renewal rate remains competitive.

12. Final Verdict: Is Ageas Car Insurance Right for You?

Ageas Car Insurance stands out for its:

• High-quality standard cover (Defaqto 5-star rating)
• Strong claims service and low complaint resolution rate
• Variety of optional add-ons and easy digital policy management

Watchpoints:

• No non-comprehensive options for cars
• Some policy increases and renewal fees frustrate long-term customers
• Phone support experience varies

Best for:

• Drivers seeking comprehensive cover with robust extras
• Policyholders comfortable with online self-management
• Customers wanting a reliable insurer with award-winning support

Mayn’t suit:

• Someone needing only TPFT/TPO car insurance
• Drivers expecting consistent loyalty-based savings
• Those who avoid digital-first policy management setups