Car insurance

Defaqto Five Star Rated Insurance

We work hard to make car insurance easy. Easy to manage online. Easy to make a claim. Plus, with our highly-rated cover, you can get on the road with peace of mind. Welcome to easy car insurance.

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Courtesy car

If you have an accident, our approved repairer will pick up your car, fix it, valet it and return it to you. They’ll even deliver a courtesy car for you to use while yours is being repaired^.

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Uninsured Driver Promise

If you’re in an accident with an uninsured driver, it shouldn’t cost you a penny when you claim. That’s why we’ll reimburse your excess and your NCD will be reinstated.

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Onward travel cover to UK destination

If your car is damaged in an accident and you're unable to drive it, we can arrange transport for you and your passengers to get home or to your planned UK destination.

Service Mark accredited by the ICS

Award Winning Service

Multiple award winners, includes ServiceMark accreditation from the ICS for our excellent level of customer service.

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Why choose us?

  • We protect over 4 million
    Motor, home, travel, pet & business customers.
  • Defaqto 5 Star Rated
    It's one of the highest levels of cover available.
  • No £25 admin fee 
    When you update your policy online, e.g.amend driver, address or car details.
  • Trustpilot 
    We have over 16,000 customer reviews.
  • We paid out on over 99% of customers' claims^^
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Register your claim online

It's the quick and easy way to register a new claim.

It's quick and easy online


  • No £25 admin fee when you make a change online
  • Change your car, driver numberplate
  • Update personal details, e.g. address
  • Renew your policy
  • Make payments
  • Make a claim
  • View and download your documents
online account
Get in touch

Supporting all customers

Life can bring challenges, and we understand this can look different for all our customers. We’re committed to working in a way that supports your individual needs and circumstances.

If you’re experiencing financial difficulties, are facing a challenging life event or need help with the way that we communicate with you, we’d like to help.

We're proud of what our customers say about us...

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No Claims Discount | Car Insurance

Have we asked for your proof of NCD? Find out how to provide it quickly and easily.

Our car insurance optional extras

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Car breakdown cover

Find out more
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Legal expenses cover

Find out more
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Replacement vehicle cover

Find out more

View our policy documents

Read our policy booklet to make sure our cover is right for you.

Frequently asked questions

About your policy

We'll get in touch with you if we need to see proof of your No Claims Discount. If we've already contacted you, you can provide your proof of No Claims Discount by uploading it in your online account. Just so you know, if we ask you for proof of your No Claims Discount, you’ll need to send it to us within 14 days of purchase, otherwise we’ll have to cancel your policy and won’t be able to restart cover for you.

What to do

Once you’re logged in to your online account, click on the ‘Your documents’ tab in the My Car page. Click on ‘Add document’ and add your No Claims Discount file, click on ‘Upload’ and it will automatically be sent to us to review. You will also be able to see your document in the ‘Your Uploaded Documents’ section on the Documents tab.

Once we’ve received your proof we'll then contact you to confirm it is acceptable or let you know if we need any more information.

What we accept

What we’re after as acceptable proof is either a full renewal invitation, a cancellation letter or a Proof of No Claims Discount letter from your previous insurer. Whichever option you go for, you’ll need to include:

  • A letterhead that clearly identifies your previous insurer
  • Your previous policy number
  • Your previous policy expiry date
  • Your name and full address
  • Your No Claims Discount in years

Uploads can be in a variety of formats, including Microsoft Word, PDF or a photo in the following formats: GIF, PNG, JPG, JPEG and JPE. Just make sure your document is less than 3MB.

You may be covered for driving other vehicles under third party cover. It will state clearly on your Certificate of Motor Insurance if this cover has been provided. (Full cover details can be found in your Ageas policy booklet)

Yes, on the day you are picking up your new car you are covered for the old car until you physically collect and start driving your new car, at which point your cover will switch to the new car. This is providing we are currently covering your old car and have agreed to transfer the insurance to your new car and you pick up the new car on the day that we have agreed to start insuring it from.

Since the UK Government announced the confirmation of a trade deal at the end of 2020, anyone wishing to drive their vehicle outside of the UK from the 1st January 2021, had been required to carry a Green Card.

The European Commission has announced that with effect from the 2nd August 2021, UK drivers will no longer be required to carry Green Cards when driving their vehicle in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland. Please note that a Green Card may still be required to drive in other countries, including: Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey and Ukraine. For more information, please visit:

A Green Card is an International Motor Insurance Certificate which evidences that your current insurance policy provides the necessary minimum level of cover for driving in the EU country you are travelling to or through. You can find more information on our Driving in Europe page.

Please note: Ageas Essentials policies are limited to the minimum third party cover when driving in the EU. Please see your policy documents for more information.

Please ensure you have entered the claims information exactly as recorded by your previous insurer. If you believe they have recorded the information incorrectly please contact them for advice.

We want to make renewing insurance easy for our customers, so we don't offer discounted prices to people who call us. The price we've given you is our final price based on your current cover and information we hold.

There could be a few reasons you have an outstanding balance on your account, such as, the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car, home or van account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

Yes. If you have car, home or van insurance and have an outstanding balance, it’s easy to make a payment online. Simply log in to your online account, click the ‘Pay now’ button and we’ll guide you through the process.

If you have an outstanding balance notification on your car, home or van online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay now’ button and we will guide you through the process.

Yes. If you have car, home or travel insurance, it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we’ll guide you through the process.

For Ageas travel insurance customers, you can also email, or contact us.

About car insurance

Car insurance is designed to protect you financially in the event of an incident which causes damage or injury to a vehicle, person, animal or property. Insuring your car is a legal requirement in the UK, unless you have registered your car as being off the road through a Statutory Off Road Notice (SORN).

There are three types of car insurance cover available in the UK: third party, third party, fire and theft and comprehensive. Depending on the type of insurance policy you have, your insurance will include different levels of protection.

Third party insurance is the minimum cover required by law. With this type of cover, if you have an accident and it’s your fault, your insurer will pay to repair the damage caused to the other vehicle or property, and compensate anyone left injured, aside from yourself. They wouldn’t pay to repair your own vehicle or for any damage caused to your own property or injury caused to yourself.

Third party fire and theft policies offer the same cover as a third party policy, as well as cover to your own vehicle if there’s a fire, theft, or attempted theft.

Comprehensive car insurance cover, also known as fully comprehensive cover, offers the highest level of protection available. The level of protection offered can vary between insurers, but it usually covers:

  • Damage to your own car following an accident where you’re at fault.
  • The cost of replacing your windscreen or window glass.
  • Accidental or malicious damage to your car, including vandalism.
  • Medical expenses if you or a passenger is injured in an accident involving your car.

These are the different types of car insurance cover you can get, depending on the policy you choose and your insurer. Additionally, most insurers will also give you the option to include additional cover to your policy for an extra cost. These optional extras, also known as car insurance add-ons, can include breakdown cover and legal expenses.

Getting car insurance is essential not only to drive legally, but also to give you peace of mind that you’re protected in the event of an accident.

When looking to buy an insurance policy, it’s important to bear in mind that there are several factors used to set the price of your insurance. How much each factor affects the price and terms of your policy will vary between insurers, but the factors that providers will usually look at include your age, your occupation, your insurance claims history, the car you drive, where you park and your annual mileage. There are a few relatively simple things you can look at to try to cut the cost of your insurance premium.

Once you’ve got a car insurance policy in place, if you ever need to claim on it, you will need to contact your insurer and provide as many details as possible about the incident and any other drivers involved. In fact, you should inform your insurer about any incidents, even if you choose not to claim on your policy – for instance, if the damage is minor or you’d rather cover the cost of any repairs yourself without impacting the number of years of no claims discount you have.

There are some common misconceptions about car insurance that you will want to stay clear of. When in doubt, it’s always best to check what you’re covered for by contacting your insurer or reading your policy documents.

You can get a car insurance quote online either directly on an insurer’s website or through one of the available comparison websites. In either case, you should have some information to hand about yourself and the car you’re looking to insure, as providers will need it to determine whether they can offer you a quote and what the price of your premium will be. Before starting your quote, be prepared to provide the following information:

  • Your age, occupation and address
  • Details of any previous car insurance claims and motoring convictions
  • Proof of your No Claims Discount, also known as No Claims Bonus, if you have accumulated a few years without making any claims with previous insurers
  • The same details as above for any named drivers you’d like to add to your policy
  • Your car’s registration number
  • The make and model of the car you want insured
  • When you bought the car and when you’d like your policy to start
  • An estimate of your annual mileage
  • Where you will be parking your car overnight
  • How you intend to use the car (Social Domestic and Pleasure, Social Domestic and Pleasure with Commuting to work or Social Domestic and Pleasure with Commuting to work and Business Use)

When applying for a quote, it’s essential that you are open and honest with your answers, as failure to disclose any relevant information could invalidate your policy. You also need to let your insurer know if any of your details change during the policy term.

If you’ve got everything you need and would like to see how Ageas could help with your car insurance, you can start a quote here.

*Ageas are one of the UK’s largest car insurers, we provide insurance to over 4 million customers in the UK to protect their cars, home, travel and business.

^Courtesy car included as standard with our approved repairer. Excludes cars written off or stolen and unrecovered.

Providing the accident wasn’t your fault. Make, model and registration of other vehicle needed.

^^Ageas Insurance paid 99.7% of car claims (Aug 22 – Jul 23)