Ageas

Ageas is a Belgian multinational insurance company co-headquartered in Brussels. The company was rebranded from 'Fortis' to 'Ageas' in 2010.

Ageas is a trading name of Ageas Retail Limited and Ageas Insurance Limited. They also own RIAS Insurance 

They offer car, home and pet insurance.

Their UK head office is in Eastleigh, and they have branches in Bournemouth, Gloucester, London, Manchester, Portsmouth and Stoke-on-Trent.

Ageas
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Car insurance

Ranked 51st of 52 providers reviewed.

Customer happiness 54.44%
Customer trust 45.24%
Complaints performance 68.97%
Transparency rating 62.21%
Fairer Finance score
Reviewed Autumn 2022
58%

Home insurance (building and contents)

Ranked 35th of 48 providers reviewed.

Customer happiness 54.84%
Customer trust 49.82%
Complaints performance 68.97%
Transparency rating 73.42%
Fairer Finance score
Reviewed Autumn 2022
62%
Gold ribbon: first place

Pet insurance

Ranked 1st of 31 providers reviewed.

Customer happiness 72.31%
Customer trust 65.38%
Complaints performance 75.7%
Transparency rating 78.83%
Fairer Finance score
Reviewed Autumn 2022
73%

Car insurance

Ageas

Car Insurance (with key protection and replacement vehicle)

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Ageas

Car Insurance

3 stars
Cover limit for lost keys i £500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Ageas

Essential Car Insurance

2 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i Windscreen repair not covered
Windscreen replacement excess i Windscreen replace not covered
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £0.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home Emergency Cover

Ageas

Home Assistance

3 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Ageas Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Ageas

Home Emergency (Extra)

3 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

Ageas

Extra Home Insurance

4 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £15,000.00
Escape of water excess i £100.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,500.00
Keys/locks if lost or stolen (Buildings) i £1,500.00
Money in the home i Optional (Everyday Personal Belongings)
Replace belongings new for old i
Trace and access i Reasonable Cost
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £100.00
Compulsory excess (contents) i £100.00
Additional flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i Limit Shown in your policy schedule
Liability to domestic employees i £2,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £75,000.00
Underwriter Ageas
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection Sum Insured
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £0.00
Visitor's possessions Sum Insured
Out in open cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i Check your statement of fact
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £5,000.00
Household removals
Student's belongings i
Shopping in transit i
Cover Away from Home offered for: Electronics
Cover away from home offered for: money
Cover away from home offered for: jewellery
Cover away from home offered for: bicycles & other
Special events (weddings and civil ceremonies) - limit Check Statement of fact
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit Check Statement of fact
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit Check Statement of fact
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit Check Statement of fact
Special events (religious events) - days 60 days
Cover for home emergency i Optional
Cover for legal protection/expenses i Optional
Cover for items away from home? i Optional
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph

Buildings insurance

Ageas

Extra Home Insurance

4 stars
Trace and access i Reasonable Cost
Keys/locks if lost or stolen (buildings) i £1,500.00
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Escape of water (plus compulsory excess) i £100.00
Buildings compulsory excess i £100.00
Escape of water excess i £100.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Ageas

Extra Home Insurance

5 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,500.00
Theft from outbuildings cover limit i £15,000.00
Credit cards i Check your statement of fact
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i 30 cm in 24 hours
Rainfall (mm) i 25 mm per hour
Windspeed (mph) i 55 mph
Contents cover limit i £75,000.00
Music, film, or electronic downloads i
Documents i £0.00
Frozen Food Cover i Sum insured
Business equipment i 5,000.00
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit
Visitor's possessions i Sum Insured
Temporary freezer storage
Money in the home i Optional (Everyday Personal Belongings)
Theft from bogus officials
Garden plants
Garden protection Sum Insured
Out in open cover
Alternative accommodation cover limit for contents i £15,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £2,000,000.00
Liability as a tenant i Limit Shown in your policy schedule
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter Ageas
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Check Statement of fact/Days limit: 60
Births - limit/days Cover Limit: Check Statement of fact/Days limit: 60
Anniversaries - Limits/days Cover Limit: Check Statement of fact/Days limit: 60
Religious events -Limits/days Cover Limit: Check Statement of fact/Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money
Cover away from home offered for: jewellery
Cover away from home offered for: bicycles & other

Pet insurance

Cat insurance

Ageas

Ultra

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £90.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £4,000.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Boarding fees limit i £1,500.00
Death benefit (illness) i £1,750.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Holiday cancellation i £2,000.00
Holiday cover i £10,000.00
Quarantine costs cover i £150.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £1,000.00
Maximum number of days abroad i 90 days
Age when compulsory excess rises i 8 years
Cancellation fee i £30.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Ageas

Extra

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £90.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £2,500.00
CT scans i £1,250.00
MRI scans i £1,250.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Boarding fees limit i £1,250.00
Death benefit (illness) i £1,250.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Holiday cancellation i £1,500.00
Holiday cover i £4,000.00
Quarantine costs cover i £150.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £750.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £30.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Ageas

Classic

2 stars
Type of cover i Lifetime, other
Medical cover limit i £2,000.00
Medical excess i £90.00
Annual policy limit i £2,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,000.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
Quarantine costs cover i £150.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £30.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Ageas

Essentials

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i £1,500.00
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Boarding fees limit i £750.00
Death benefit (illness) i £750.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Holiday cancellation i £750.00
Holiday cover i £1,500.00
Quarantine costs cover i £150.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £250.00
Maximum number of days abroad i 30 days
Age when compulsory excess rises i 8 years
Cancellation fee i £30.00
Amendment fee i £10.00
If renewed, are existing conditions covered? i

Dog insurance

Ageas

Extra

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £4,000.00
Medical excess i £90.00
Annual policy limit i £4,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £4,000.00
Cruciate ligament damage i £2,500.00
CT scans i £1,250.00
MRI scans i £1,250.00
Prescription diet (treatment of bladder stones only) i £4,000.00
Complementary treatment i £4,000.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Age when compulsory excess rises i 6 years
Amendment fee i £10.00
Holiday cancellation i £1,500.00
Holiday cover i £4,000.00
If renewed, are existing conditions covered? i

Ageas

Ultra

3 stars
Type of cover i Lifetime, annual
Medical cover limit i £10,000.00
Medical excess i £90.00
Annual policy limit i £10,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £10,000.00
Cruciate ligament damage i £4,000.00
CT scans i £1,500.00
MRI scans i £1,500.00
Prescription diet (treatment of bladder stones only) i £10,000.00
Complementary treatment i £10,000.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Age when compulsory excess rises i 6 years
Amendment fee i £10.00
Holiday cancellation i £2,000.00
Holiday cover i £10,000.00
If renewed, are existing conditions covered? i

Ageas

Classic

2 stars
Type of cover i Lifetime, other
Medical cover limit i £2,000.00
Medical excess i £90.00
Annual policy limit i £2,000.00
Annual condition limit i £1,000.00
Lifetime policy limit i
Lifetime condition limit i
Dental cover (if due to an accident) i £1,000.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,000.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Age when compulsory excess rises i 6 years
Amendment fee i £10.00
Holiday cancellation i £1,000.00
Holiday cover i £2,000.00
If renewed, are existing conditions covered? i

Ageas

Essentials

1 stars
Type of cover i Time-limited
Medical cover limit i £1,500.00
Medical excess i £90.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i 1,500
Dental cover (if due to an accident) i £1,500.00
Cruciate ligament damage i £1,000.00
CT scans i £1,000.00
MRI scans i £1,000.00
Prescription diet (treatment of bladder stones only) i £1,500.00
Complementary treatment i £1,500.00
Euthanasia cover limit i £100.00
Cremation i £0.00
Age when compulsory excess rises i 6 years
Amendment fee i £10.00
Holiday cancellation i £750.00
Holiday cover i £1,500.00
If renewed, are existing conditions covered? i