Ageas in 60 seconds
Ageas UK at a glance (2026)
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About Ageas UK
Ageas SA/NV is a Belgian listed group that traces its history back to 1824 and the founding of AG Insurance in Brussels. The modern Ageas group emerged from the break-up of Fortis in 2008 during the global financial crisis, when the banking businesses were nationalised and the insurance businesses were rebranded Ageas the following year.
In the UK, Ageas operates from a head office in Eastleigh, Hampshire with additional sites in Belfast, Bournemouth and Stoke-on-Trent. The UK business employs around 3,000 people and is the country's fifth-largest personal-lines insurer, with a customer base split roughly equally between Ageas-branded policies and underwriting for partner brands.
What does Ageas mean?The name Ageas is a constructed word with no fixed meaning, chosen because it sounded credible in every European language Ageas SA/NV operates in. The UK arm uses the same brand and the same teal-and-orange identity as the Belgian parent.
Ownership and structure
Ageas UK Ltd is a wholly-owned subsidiary of Belgian Ageas SA/NV, listed on Euronext Brussels under the ticker AGS. The group is one of Belgium's largest companies by market capitalisation and operates in 14 countries across Europe and Asia. Ageas Insurance Ltd, the main UK trading entity, is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA.
Strategy: a B2B and partner-led insurer
Ageas is unusual among UK insurers in that around half its premium comes from partner-brand policies rather than from Ageas-branded sales. Ageas underwrites Age UK over-50s home, motor and pet; Tesco Bank insurance; RAC motor; Castle Cover; ASDA Money car and home; Carrot Insurance; and a long tail of broker programmes.
In 2024 Ageas UK reported a combined ratio of 93.8% and gross written premiums of around £1.7 billion. The group renewed long-term underwriting deals with Tesco Bank and Age UK during 2024 and is investing in pricing-and-claims AI through Ageas Tribe, its in-house digital team.
Ageas insurance: cover and prices in 2026
Ageas's UK product range covers the main personal lines and a growing book of small-business cover. Ageas-branded policies are sold via brokers and price-comparison sites rather than direct-to-consumer.
The Ageas product range
Ageas Car Insurance
Sold via brokers and aggregators. Comprehensive, third-party fire and theft, or third-party only. Telematics and named-young-driver options through Carrot Insurance, the Ageas-owned brand.
- Three cover tiers.
- Optional telematics through Carrot.
- European cover up to 90 days.
Ageas Home Insurance
Buildings, contents or combined. Three tiers; Premium adds accidental damage and home emergency. Sold mostly through brokers and partner brands.
- Up to £1m buildings cover.
- Optional home emergency add-on.
- Cover for unoccupied properties.
Ageas Travel Insurance
Sold via partners (Age UK, Tesco) and direct. Single trip up to 90 days or annual multi-trip. Pre-existing medical conditions screened online.
- £10m emergency medical cover.
- 24/7 worldwide assistance.
- Pre-existing conditions cover available.
Ageas Van Insurance
Private and commercial van cover sold via brokers. Includes social, domestic, pleasure and commuting; carriage of own goods; carriage of goods for hire and reward.
- Tools-in-transit cover.
- Courtesy van included on most policies.
- European cover up to 90 days.
Ageas Pet Insurance
Lifetime and Maximum Benefit cover. Mostly underwritten for Tesco Bank and Age UK partners; Ageas-branded cover available via brokers.
- Vet-fee limits up to £7,500.
- No upper age limit on lifetime.
- Multi-pet discounts via partners.
Ageas SME Business
Office, shop, tradesman and professional cover for businesses with turnover under £5m. Sold via Ageas Connect, the broker portal.
- Public & product liability.
- Buildings & contents for SMEs.
- Cyber cover add-on available.
Buying Ageas indirectlyMost UK customers reach Ageas without realising it. If you have a policy with Age UK, Tesco Bank Insurance, Castle Cover or ASDA Money car or home, the underwriter on your certificate is most likely Ageas Insurance Ltd.
Making a claim with Ageas
Claims handling depends on the brand you bought through. For an Ageas-branded policy, call the claims line on the certificate; for an Age UK, Tesco or other partner policy, call the partner's claims number and Ageas takes over once the case is opened. Most motor and home claims are handled in-house in Eastleigh and Stoke-on-Trent.
For step-by-step instructions, premium ranges and customer reviews, see our dedicated guide on Ageas travel insurance and our wider list of UK insurers.
Ageas Connect and online account
Ageas does not run a consumer-facing app for direct policies, because most direct customers reach Ageas through a broker or partner. Instead, the group runs Ageas Connect, the broker portal that lets intermediaries quote, bind, mid-term-adjust and renew Ageas policies in real time.
- Direct customers: use the My Account portal on ageas.co.uk for policy documents and renewals.
- Broker customers: your broker uses Ageas Connect to make changes on your behalf.
- Partner customers: use the partner's account (e.g. Age UK MyAccount, Tesco Bank Online).
- Email: contact details for general queries are published on the Ageas website; sensitive issues should be raised by phone.
Ageas TribeAgeas Tribe is the group's in-house digital team building AI-led claims triage and dynamic pricing. The tools are rolled out across the partner book first, then to direct Ageas policies.
Ageas customer service
Ageas routes contact differently depending on whether you bought an Ageas-branded policy or one of its partner brands, and these numbers change from time to time. If you bought through a partner such as Age UK, Tesco Bank or RAC, contact that brand using the details on your paperwork. For an Ageas-branded policy, use the number printed on your policy documents or the Ageas website.
How to contact Ageas
- Find the right number: use the phone number printed on your policy documents, certificate or renewal letter, where the correct line for your product is listed.
- Partner-brand policies: if your cover is branded Age UK, Tesco Bank, RAC, Castle Cover or ASDA Money, contact that brand first using the details on your paperwork; Ageas takes over once a claim is opened.
- Manage policies online: direct customers can log in to My Account, and brokers use Ageas Connect, both reached from the official website at ageas.co.uk.
- Claims and complaints: the current claims and complaints contact details are published on Ageas's own site at ageas.co.uk.
Contact Ageas online
- My Account: log in via ageas.co.uk for direct policies; partner customers should use the partner's portal.
- Live chat: available from the Ageas help pages during UK business hours.
- LinkedIn: follow Ageas UK for company news (avoid policy details via social).
- Email: contact details for general queries are published on the Ageas website; sensitive issues should be raised by phone.
Writing to Ageas
For policy correspondence and complaints, write to the address printed on your policy schedule, which routes your letter to the correct team. The current registered and correspondence addresses are published on Ageas's own website at ageas.co.uk.
How to complain about Ageas
Raise the issue first with Ageas by phone, in My Account or in writing. If Ageas does not resolve the complaint within eight weeks, or you receive a final response you disagree with, you can escalate the complaint to the Financial Ombudsman Service free of charge.
Is Ageas a good insurer? Reviews and ratings
Because Ageas mostly underwrites for partner brands, the customer-facing scores tend to be reported under those brands rather than under Ageas itself. The 2025 Fairer Finance ratings give Ageas-branded car insurance three stars and Ageas home insurance four stars for transparency and complaints handling. Ageas's own Trustpilot page sits at around 3.7/5, mid-table for UK insurers.
The most common criticism in reviews is renewal pricing, in line with most UK insurers. Because Ageas-branded policies are largely sold through aggregators, new business is competitively priced; existing customers should always shop around at renewal.
If price is your priority, run an Ageas quote alongside our list of the best UK insurance providers before you renew.
Ageas news 2024–2026
- March 2024: Ageas SA/NV abandons its bid for Direct Line Group after the DLG board rejects the offer; Aviva eventually wins the deal in late 2024.
- August 2024: Ageas UK renews its long-term partnership with Tesco Bank Insurance.
- 2025: Ageas UK rolls out Ageas Tribe AI-led claims triage across the partner book.
- 2026: Ageas UK extends the Age UK underwriting partnership for another five years; partner-brand premium passes £900m.
Ageas timeline
- 1824: AG Insurance founded in Brussels, ancestor of today's Ageas group.
- 1990: Fortis Group formed; AG becomes its insurance arm.
- 2008: Fortis collapses in the financial crisis and is broken up.
- 2009: The remaining insurance businesses are rebranded Ageas; UK arm takes the name.
- 2014: Ageas signs long-term underwriting deal with Tesco Bank Insurance.
- 2018: Ageas takes over Age UK home, motor and pet underwriting.
- 2024: Ageas UK abandons its Direct Line bid; renews Tesco Bank partnership.
- 2025: Ageas Tribe rolls out AI-led claims triage across the partner book.
- 2026: Age UK underwriting partnership extended for another five years.
Ageas FAQ
Yes. Ageas Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the PRA. Policyholders are protected by the Financial Services Compensation Scheme (FSCS): 90% of an insurance claim is covered with no upper limit on most general insurance products.
Ageas UK is a wholly-owned British subsidiary of the Belgian parent Ageas SA/NV, listed on Euronext Brussels. The UK arm is regulated in the UK and writes UK risks; the parent provides capital and group oversight.
Ageas underwrites a large book of partner brands including Age UK, Tesco Bank Insurance, RAC motor, Castle Cover, ASDA Money car and home, and Carrot Insurance. Ageas also sells direct under its own brand via brokers and aggregators.
You have a 14-day cooling-off period on any new Ageas policy in which you can cancel and receive a full refund minus a small admin fee. After the cooling-off period, you can still cancel but Ageas will keep the portion of premium covering the time on risk plus an admin fee.
Ageas SA/NV made a takeover approach for Direct Line Group in February 2024, which DLG rejected. Aviva went on to agree a recommended takeover of Direct Line later in 2024, completed in July 2025. Ageas remains an independent UK insurer.