Compare Ageas Home Insurance Quotes Against The Market

Ageas is one of the UK’s largest and most established insurers, protecting millions of customers. While you might not see them advertise on television as aggressively as some other brands, they have a massive footprint in the UK market—both selling directly to consumers and underwriting policies for a huge network of brokers and partners.

Renowned for their award-winning claims service and strong industry reputation, Ageas offers flexible home insurance policies that have been awarded the maximum 5 Star Rating by Defaqto.

You can get independent advice and a personalised quotes comparison of Ageas home insurance deals from one of our expert advisers below:

What type of home insurance do they provide?

Ageas offers a straightforward and highly customisable approach to home insurance. Rather than forcing customers into complex, multi-tiered systems, they provide a strong core policy that covers the essentials, which you can then tailor with optional extras to suit your specific lifestyle.

Buildings insurance

This covers the structure of your property, including the roof, walls, windows, and permanent fixtures like fitted kitchens and bathroom suites.

• Cover limits: Ageas typically provides generous rebuilding cover (often up to £1 million depending on the exact policy variant), heavily reducing the risk of you being underinsured

• Trace and Access: Cover to find the hidden source of a water leak is included, typically up to £5,000, including the cost of repairing the walls or floors damaged during the search

• Unoccupied period: Ageas policies are very generous when it comes to empty properties, typically allowing your home to be unoccupied for up to 60 consecutive days before cover is restricted (double the industry standard of 30 days)

Contents insurance

This protects your household goods and personal belongings against theft, fire, and flood.

• Cover limits: Contents are covered up to £75,000 as standard, but this can easily be increased to £100,000 if you have a higher volume of belongings

• New for Old: When Ageas replaces lost, stolen, or damaged items, they will replace them with new ones without making deductions for wear and tear (exceptions apply for items like clothing and pedal cycles)

• Guaranteed Repairs: Ageas offers a 12-month guarantee on all repairs and replacements carried out by their approved suppliers

Optional Extras

To build out your combined home and contents policy, you can add the following premium features:

• Accidental Damage Cover: Extra protection for precious possessions, covering mishaps like spilling wine on a carpet or dropping a laptop

• Home Emergency Cover: Hassle-free protection providing a 24/7 helpline and rapid callouts for unexpected emergencies like burst pipes or boiler breakdowns

• Home Legal Expenses: Provides up to £100,000 in legal support and access to a 24/7 legal advice helpline

• Personal Belongings Cover: Protects your gadgets, jewellery, and money when you take them away from your home (including up to 60 days of worldwide cover)

How Ageas calculates premiums

When calculating the cost of your home insurance, Ageas assesses the specific risks associated with your property and your personal circumstances. Your premium is influenced by:

• Location: Properties situated in postcodes with high crime rates or a history of flooding or subsidence will naturally attract higher premiums.

• Security: Installing approved door locks, window locks, and burglar alarms can reduce your perceived risk and lower your price.

• Claims History: A claim-free history will earn you a No Claims Discount (NCD), which is one of the most effective ways to lower your annual premium.

• Voluntary Excess: Agreeing to pay a higher excess towards any claim will typically bring your monthly or annual premium down.

Pros and cons

Here are the pros and cons of choosing Ageas for your home insurance:

 Customer reviews

Ageas holds a very strong reputation in the UK market, particularly for its customer service and claims efficiency.

• Trustpilot: Ageas is rated Excellent, typically scoring around 4.4 to 4.5 out of 5. Customers frequently praise their UK-based call centres, the straightforward online portal, and the lack of admin fees when updating their details

• Industry Awards: Ageas routinely wins major industry awards, recently achieving a Five Star Rating in the Insurance Times Broker Service Survey, highlighting their reliability and underwriting quality

• Defaqto: The core comprehensive home insurance policy holds a 5 Star Rating, assuring customers that the product features and limits are market-leading

How to get an Ageas home insurance quote

You can buy Ageas home insurance directly via their website, but because they are also heavily present on broker panels, you might actually find an Ageas-underwritten policy slightly cheaper (or bundled with different perks) through an independent intermediary.

To ensure you are getting the absolute best value and the right cover limits for your home, it is wise to compare an Ageas quote against the wider market.

At Money Helpdesk, our home insurance experts can help you review your options. If you are wondering whether Ageas is the right choice for your home insurance, get in touch and we will review this for you.