Home insurance claims

• Check your excess. You can check this, your cover limits and details of endorsements in your Statement of Fact, which can be found in your online account or policy confirmation email.
• Check that you are covered by reading your policy document, which you can find in your online account, policy confirmation email, or policy documents.
  

• • Ageas Direct:  Ageas online account  Ageas policy documents
  • Rias: Rias online account  Rias policy documents
  • Ageas Broker
    If you bought an Ageas product through an insurance broker or one our partners, please check your policy documents or contact your broker.
    
    If you need assistance or would like to speak to someone from Ageas, please call 0345 122 3019

What you need to know

• It’s better to make a claim before you get any repairs carried out.
• Tell us about an incident even if you are not claiming for your damage.

• The sooner you report your claim it could reduce the overall cost of the claim.
• You can make all home claims online 24/7, it’s quick, simple and secure.

Make a claim

For Ageas Direct and Rias customers, Home emergency and Legal expenses claims work a little differently, if you need to make a claim, go to optional cover claims.

Optional cover claims

• If you bought an Ageas product through an insurance broker or one our partners, please check your policy documents or contact your broker.
  
  If you need assistance or would like to speak to someone from Ageas please call 0345 122 3019.

• • Your policy number. You can find this on your confirmation email or policy documents:
    Ageas policy documents
    Rias policy documents

  • Photos of the damage, or photos of the lost or stolen items if you have them
  • Any relevant receipts or quotes, which will help with your claim.
  • If there has been a theft you should report it to the police.

The more details you can give us, the quicker we can progress your claim.

• • Ageas Broker
    If you bought an Ageas product through an insurance broker or one our partners, please check your policy documents or contact your broker.
    
    If you need assistance or would like to speak to someone from Ageas, please call 0345 122 3019.

Make a claim

We’ll usually:

• Check that you’re covered by your insurance in your policy documents:
  Ageas policy documents
  Rias policy documents
• Confirm how much excess you’ll need to pay. You can check this in your Statement of Fact, which can be found in your online account or policy confirmation email.
• Ask for supporting evidence – this could include photos and quotes.
• Send you a link to the online claims hub to manage your claim and upload photos or documents.

• Suggest the best course of action or options. If the damage is substantial, we’ll send an expert round to talk you through your options.

• Review your claim and keep you updated.
• Offer repairs or replacements – we have a huge network of approved repairers. We’ll pick the best one for you and take care of everything.
• Or organise a cash settlement if appropriate.
• Ageas Broker
  If you bought an Ageas product through an insurance broker or one our partners, please check your policy documents or contact your broker.
  
  If you need assistance or would like to speak to someone from Ageas, please call 0345 122 3019.

Browse our home claims FAQs, for answers to questions about:

• Accidental damage
• Building or contents damage
• Fridge or freezer food
• Leaking or freezing water and oil
• Storm damage and complaints.