Home Emergency cover

  • For Ageas Direct and Rias customers

The quickest way is to make a claim online. Alternatively, please call 0345 166 6358.
Lines are open: 24 hours a day, 7 days a week.

If you have bought optional cover through an insurance broker or one of our partners, please check your policy information or contact your broker.

If you need assistance or to speak to someone to make a claim on your home insurance, please call  0345 122 3019. The claims handling services for Home Emergency cover are provided by AXA Assistance (UK) Limited.

  • For Saga customers

For Home Emergency or Home & Heating Emergency claims, the quickest way is  to make a claim online.   Alternatively, if you need assistance, please call 0345 217 6435.

Lines are open:  24 hours a day, 7 days a week.

Boiler service

If you have chosen to include the annual boiler service with Home Emergency or Home & Heating Emergency cover then you will be contacted within 28 days of your start date to arrange your appointment.

You will also receive a call the day before the appointment to confirm the date and time slot.  If you have not received a call in this time, or have any queries around a booked appointment, please call 0345 330 2987.  Lines are open: 9am - 5pm, Mon-Fri

The claims handling services for Home Emergency cover are provided by AXA Assistance (UK) Limited.

Home Legal Expenses

  • For Ageas Direct and Rias customers

If your policy is provided by:
Arc Legal Assistance Limited,
please call 0345 165 5756

Lines are open: 24 hours a day, 365 days a year.

If your policy is provided by:
RAC Motoring Services,
please call 0345 234 2236

Lines are open: 24 hours a day, 365 days a year.

If you have bought optional cover through an insurance broker or one of our partners, please check your policy information or contact your broker.

If you need assistance or to speak to someone to make a claim on your home insurance, please call 0345 122 3019.

  • For Saga customers

To get legal advice or to discuss your legal expenses claim please call 0345 155 8072

Lines are open: 24 hours a day, 7 days a week

Legal Expenses is underwritten by RAC Insurance Limited. The Online Safety Support Service is managed and administered by RAC Insurance Limited.

Guides to making a Home claim

  • 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 or policy confirmation email. Or you can check examples of our policy documents - Ageas.


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.
  • Your policy number. You can find this on your confirmation email or policy documents.
  • Photos of the damage
  • Any relevant receipts, quotes or documents which will help with your claim.

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

We’ll usually:

  • Check that you’re covered by your insurance - our 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.
  • When possible, you'll receive 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,  an expert will visit you to talk 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.