Car insurance

Ageas Car Insurance offer

Buy 12 months Legal Expenses cover for just £5* (normally £29.60)

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Why choose Ageas insurance

We work hard to make car insurance easy. Easy to get a quote. Easy to make a claim. Plus, with our 5 Star rated cover given by industry experts, Defaqto, 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.

ServiceMark Accredited by the ICS

Excellent Customer Service

Recognised by the ICS for our excellent level of customer service.

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Why choose Ageas Car Insurance


  • One of the UK's largest car insurers - nearly five million customers already trust us to protect their cars, homes, travel and business
  • Defaqto 5 Star rated - providing one of the highest levels of cover in the market
  • Committed to Excellent Customer Service - ServiceMark accredited by the Institute of Customer Service.
  • Make a claim 24/7 - our customers can make a claim at any time, day or night with our UK based claims service

  Find out more here


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Green Card information

Please visit our dedicated page for information about driving in the EU from 2nd August 2021.

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Coronavirus (COVID-19) - We're here to help

We're open for business in all the usual ways. Find out how we're helping customers at this time by visiting our Coronavirus hub.

Our car insurance optional extras

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Legal expenses cover

Find out more
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Breakdown cover

Find out more
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Replacement vehicle cover

Find out more
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Excess protection cover

Find out more
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Key protection cover

Find out more

View our policy documents

Make sure you read our policy documents.

Already a customer?

You can manage your policy 24/7 in your online account.

Frequently asked questions


About your policy

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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.

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.

About car insurance

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 coverkey protection 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.

What is auto-renewal?

Consent to auto-renewal means you are giving us permission to renew your policy without you having to do anything other than check the information we hold for you remains correct.

When you give your consent to auto-renew your policy, Ageas will issue your renewal documents and inform you that the policy will auto-renew without any intervention from you. The consent will remain in force unless you change it or the policy is cancelled.

If you choose not to have auto-renewal, you will need to contact us at renewal to ensure you remain insured. You can change you auto-renew preference at anytime.

Auto-renew gives you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, Ageas will issue your renewal documents and inform you that the policy will auto-renew without any intervention from you. The consent will remain in force unless you change it, which you can do at anytime or if the policy is cancelled.

If you chose not to auto-renew your policy you will need to contact us to complete your renewal. If you don’t contact us then your policy will lapse and you will not be covered.

You can change your auto-renew consent at any time before your renewal by using your online portal or calling us. There is no charge for changing your mind.

If you choose not to have auto-renewal, you will need to contact us at renewal to ensure you remain insured.

Ways to pay for car insurance

'Pay in full' is the cheapest way to pay for your insurance.

Because you pay a single annual payment there is no interest to pay as there is with some other payment methods such as direct debit.
You can choose to auto-renew your policy if you pay in full.

Pay monthly to help manage your budget however it will cost you more than paying in full with a single annual payment.

You can choose to auto-renew your policy if you pay by Direct Debit.

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Protecting since 1824

Ageas is the UK's 5th largest car insurer and insures nearly 5 million motor, home, travel and business customers.


*Buy 12 months Legal Expenses cover for just £5, after which it will revert to our standard price at that time. Our standard price is currently £29.60.  This offer is only available to new customers, purchasing before 15th December 2021.  We reserve the right to withdraw this offer at any time but will honour the price for quotes obtained before the date of withdrawal.

^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.

**Overnight accommodation will be reimbursed up to £50 per person (max. £250 per claim).

^^Based on when a car has been written off and a photo has been requested and provided, the average claims payment time is 15% faster (August 2020 – July 2021).

††Subject to the vehicle being maintained in accordance with the manufacturer routine maintenance schedule. Defective parts will be replaced without charge as long as they are covered by the part manufacturer’s warranty. Failure of components or bodywork damage will not be covered if deterioration is through normal usage.