Car insurance cover FAQs

What IS legal expenses cover for car insurance?

Motor Legal Expenses for car insurance is optional cover, provided by the RAC, that you can add at the start or during your policy. It provides legal support and advice for a wide range of motor incidents and can give you peace of mind knowing you can get help with legal costs, such as:

• Personal injury cover - for you and your passengers following a road traffic accident, which wasn't your fault
• Uninsured loss recovery - for damages and recovering costs if you're in an accident that wasn't your fault, and the other insured party is at fault
• Defence of motoring prosecutions - to defend a criminal legal action that has arisen from the use of your car, for example, a speeding ticket you want to dispute
• Vehicle cloning - if your car identity is stolen, you’ll be covered for costs to defend criminal or civil proceedings

Find out more about Legal Expenses cover, you can also read our policy booklet to make sure our cover is right for you.

To add this cover to your policy, please follow the steps below in your online account:

• Log in to your online account
• Click on ‘My car’
• Underneath 'Your policy details?’ click ‘Enhance my cover’ and 'Find out more'
• Input the date of the change and the optional extra you wish to add to your policy
• Once all the details are entered, click ‘Continue’
• And finally, you can click 'Save quote for later' to store the quote or 'Confirm your change(s)' to accept the change

Log in to your online account

What does breakdown cover include?

We offer multiple levels of breakdown cover, from £32 a year. To find out more or to check if you have this cover in place, please click one of the links below.

Full UK and European Recovery - Our Full UK and European Recovery level of breakdown cover will offer you onward travel, UK vehicle recovery, home assistance and roadside assistance in the UK and Europe, 24 hours a day, 365 days a year, from £99. You can find out more by clicking the link below: https://www.ageas.co.uk/car-insurance/breakdown-cover/

Full UK Recovery - Our Full UK Recovery level of breakdown cover will offer you onward travel, UK vehicle recovery, home assistance and roadside assistance in the UK, 24 hours a day, 365 days a year, from £74. You can find out more by clicking the link below: https://www.ageas.co.uk/car-insurance/breakdown-cover/*

Roadside Plus - Our Roadside Plus level of breakdown cover will offer you roadside assistance, local vehicle recovery, onward travel and UK vehicle recovery, 24 hours a day, 365 days a year, from £44.99. You can find out more by clicking the link below: https://www.ageas.co.uk/car-insurance/breakdown-cover/

Roadside - Our Roadside level of breakdown cover will offer you roadside assistance and local vehicle recovery 24 hours a day, 365 days a year, from £32. You can find out more by clicking the link below: https://www.ageas.co.uk/car-insurance/breakdown-cover/

What is replacement vehicle cover?

Replacement Vehicle cover is optional cover that you can add at the start or during your policy. It provides you with security and peace of mind, that you won’t have to go without a car if yours is ever stolen or damaged and isn’t repairable.

The cover includes the use of a similar sized hire car to your own, for up to 14 days when your car is written off or immobilised due to: an accident which was your fault, unrecovered theft, attempted theft, theft damage, fire, vandalism or malicious damage.

To add this cover to your policy, please follow the steps below on your online account:

• Log in to your online account
• Click on ‘My car’
• Underneath 'Your policy details?’ click ‘Enhance my cover’ and 'Find out more'
• Input the date of the change and the optional extra you wish to add to your policy
• Once all the details are entered, click ‘Continue’
• And finally, you can click 'Save quote for later' to store the quote or 'Confirm your change(s)' to accept the change

Please click here to log in to your online account.

What is excess protection cover?

Excess Protection is no longer available to purchase, if you have an existing Excess Protection policy then your cover will continue until your next renewal.

Do you offer multi car discount?

Unfortunately, we do not offer multi car policies. However, to get a quote for a second vehicle please visit the following link: https://motor.ageas.co.uk/

Can I drive my car in Europe and abroad?

Ageas Standard policy - You will be provided with cover as standard while you or any driver covered on your policy is driving within the European Union. The European Commission has announced that with effect from the 2^nd 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. You can find out more within your policy booklet, or by clicking on the link below. https://www.ageas.co.uk/green-card-information/

Please be aware 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 on government guidelines, please visit the link below https://www.gov.uk/vehicle-insurance/driving-abroad.

If you still require a Green Card, you can request one at no extra cost from us by calling. Please have your travel dates available and give us 2-3 weeks’ notice to ensure that you receive your Green Card in the post in good time. Alternatively, if you prefer, we can email your Green Card to you, but you will have to print it off yourself.

Ageas Essentials policy - You will be covered in Europe for 90 days throughout the policy term. However, the cover will be third party only. The European Commission has announced that with effect from the 2^nd 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. You can find out more within your policy booklet, or by clicking on the link below https://www.ageas.co.uk/green-card-information/.

Please be aware 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 on government guidelines, please visit the link below https://www.gov.uk/vehicle-insurance/driving-abroad.

If you still require a Green Card, you can request one at no extra cost from us by calling. Please have your travel dates available and give us 2-3 weeks’ notice to ensure that you receive your Green Card in the post in good time. Alternatively, if you prefer, we can email your Green Card to you, but you will have to print it off yourself.

Not sure what policy you have - Please refer to page 1 in your policy documents to see which level of cover you have; Standard or Essentials. Then select one of the above options for more details on your cover whilst driving abroad.

Can I drive other cars?

Were you looking to discuss this for a new quote or an existing policy?

New quote - This can be found on your Quote Summary page, usually under ‘Your Policy Information’.

Existing policy - Driving other cars cover is not available to all customers. This is decided by our underwriting team, based on the details you enter on your quote. To check if you have this cover, please log in to your online account and check your Certificate of Motor Insurance. Section 5 will confirm if you are able to drive other cars or not; if this cover is available, it will be on a third party only basis. As this term is set by our underwriters, based on criteria such as your age and occupation, it is not an option to add this to the policy if you do not currently have this cover.

Do I need business use?

Business use is needed if you are travelling to more than one place of work.

When do I get a courtesy car?

A courtesy car is covered as standard in our policies. This will only be provided whilst your vehicle is being repaired by one of our approved repairers.

We also offer 'Replacement Vehicle' cover, which provides a hire car for up to 14 continuous days if the car you have insured with us is unrecoverable (for example, if it was stolen and unrecovered or written off). Our standard courtesy car is a small hatchback whereas our optional Replacement Vehicle cover will provide a similar vehicle to your own.

You will not need to add this as optional cover if you would only like to be covered with a courtesy car in the event of your car being repaired by one of our approved repairers.

What's a policy excess?

A policy excess is the amount you have to pay towards the cost of your claim. It is made up of a standard amount which you cannot change and a voluntary amount which you set yourself. Details of your policy excess can be found in your Statement of Fact, or as part of your quote .

Choosing a voluntary amount may reduce the cost of your premium, but you will have a higher excess to pay if you make a claim.

Am I covered for voluntary driving?

Voluntary work is work carried out by a person willingly without receiving any financial gain (except for mileage allowance). This is not something we need to record on your policy. If you receive a financial gain, please record this on your policy under the occupation section. If you are an existing customer, you can do this in your online account by following the steps below:

• Log in to your online account
• Click ‘Change policy details’
• Underneath ‘Need to change driver details?’ click ‘Edit’
• Input the date of the change and click ‘Continue’
• Insert your new details
• Once all the details are entered, click ‘Continue’
• Click ‘Save’ to exit or ‘Continue’ to purchase the change.

You can log in to your online account here: https://my.ageas.co.uk/login

Am I covered for caravans and trailers?

Your motor policy will cover you using your car to tow any single trailer-caravan or broken-down vehicle while it is attached to your car and if allowed by law, provided it is not being towed for hire or reward.

My vehicle's not showing as insured on the Motor Insurance Database

It can take up to 72 hours for the Motor Insurance Database to be updated. Your cover will start on the date shown on your policy documents.

Why won't you cover me anymore?

We use a range of information to see whether we can provide a quote. If we can’t provide one to you today, please try us again in future because we do review this information regularly.

Do you offer temporary cover?

We offer temporary cover for drivers and vehicles at Ageas Direct. To discuss this further or get a quote please call us and we’ll be more than happy to help.

I’ve just bought a new car – am I still covered to drive my old car when I pick it up?

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.

I am unable to get a quote after inputting my claim details, why is this?

Unfortunately, we will need you to call us in order for us to help you with this.

Can you improve my renewal price?

We want to make renewing easy. We think it is fairer and more convenient for our customers if we provide our final price from the outset based on the information we hold for you. We don't offer discounts.

To renew now or stop your renewal just click the link below: https://my.ageas.co.uk/

What is Ageas Essentials Car Insurance?

Ageas Essentials is our basic tier of car insurance for customers who are just looking for basic cover.

Ageas Essentials cover includes:

• Comprehensive car insurance
• Courtesy car
• Audio equipment
• Personal accident up to £5000 per claim

Ageas Essentials cover doesn’t include:

• Windscreen and glass cover
• Personal belongings
• Replacement locks and keys

Other terms and exclusions apply. For more information, read our policy booklet to make sure our cover is right for you.

What is Ageas Car Insurance?

Ageas Standard is our most popular tier of car insurance for customers which provides more detailed cover.

Ageas Car Insurance cover includes:

• Comprehensive car insurance
• Courtesy car
• Audio equipment
• Accidental misfuelling
• Loss and Theft of keys
• Personal belongings
• Driving in the EU
• Windscreen cover

Other terms and exclusions apply. For more information, read our policy booklet to make sure our cover is right for you.

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