Ageas Travel Insurance: A Bespoke Service Through Brokers Only
Whether you’re going on that once in a lifetime trip or an annual family holiday, you want to find the perfect travel insurance for you. Find out what Ageas Travel Insurance can offer you, including all the key policy details, plus extras like wedding cover. Could Ageas be the right provider for you? We’ve done the hard work for you, so all you need to do is grab a cuppa and have a read of this overview.
Ageas Travel Insurance Reviews
Ageas Travel Insurance is not a household name yet. The reason for this is they don’t feature on comparison sites and you cannot get an online quote. They have positioned themselves uniquely in the market and expect potential customers to contact a broker in order to get a quote and buy a policy.
For this reason, you may notice a lack of Ageas Travel Insurance reviews online. We did some digging though and managed to find a few. Let’s take a look at what industry professional, Defaqto, had to say first.
Defaqto independently reviews travel policies in the UK based on quality and policy features. It gave Ageas a four star rating for both its single trip and annual multi-trip policy. That’s a solid score and means both policies offer high-quality features and fairly comprehensive cover.
As we mentioned above, customer reviews are thin on the ground. TrustPilot has 2,616 customer ratings for Ageas, but this is for Ageas Insurance as a whole. The general consensus is positive though. With an average of four stars, this puts Ageas Insurance ahead of most insurers on TrustPilot. While this is a great score, bear in mind all sales for travel insurance are performed by third party brokers so would not be picked up under the Ageas name.
We did find one unhappy customer, Craig, who left a review on UK Insurance Index. Craig’s luggage went missing somewhere between checking it in at the airport on his way home from his holiday and arriving in the UK.
He filed the claim with Ageas and spent months chasing them, in which time they never contacted him. After several months, a loss adjuster contacted him and asked a series of questions. The same person then repeatedly called Craig asking the same questions. Thirteen months had passed at the time Craig posted the review and he had contacted the Financial Ombudsman because Ageas had refused to pay out.
We looked on the Financial Ombudsman Service website and Ageas Insurance Limited had 661 complaints filed against them between July and December 2018. Of these, 43.4% were closed within three days. The average percentage of claims dealt with in three days across all insurance companies was 36.6%, indicating that Ageas was quicker at handling the complaints by a narrow margin.
Ageas Travel Insurance Policy Information
Ageas offers the following policy types:
- Single trips
- Annual multi-trips
- Long-stay trips
- Business travel
Within the policy types there are no options on the level of cover you receive, whereas many insurers will offer two or three bands. You can add extras on such as baggage, wedding cover, winter sports and golf. Ageas offers many sports as part of the standard policy even gorilla trekking, shark diving or abseiling, but they also provide additional adventure sport cover if your particular thrill-seeking activity isn’t included.
Check with your broker about any activities you are planning for you trip and with luck you may be covered at no extra cost. As we mentioned earlier, you can only buy Ageas travel insurance through a broker. Want to know how to purchase through a broker? Find a broker and follow these four steps below:
What would you like to insure?
Type in ‘Travel’ and you will see the following options displayed:
- Travel: General
- Travel: Working Abroad
- Travel: Strokes
- Travel: Up to 110 Years Old
- Travel: Up to 75 Years Old
Enter your full postcode (optional) or you can select the box next to ‘Use my location’. In either case, the results will be based on the distance the broker is from you.
You will be presented with a map and list of brokers. Click on any of the brokers’ names and you will get the following details: broker website, email address, telephone and fax (if available).
Contact your preferred broker and provide the relevant details they request. You will then be presented with a quote/s and can follow through with the purchase if you wish.
The policy information provided in the following sections should be used as a guide only. As Ageas will only provide quotes through a broker, you would need to speak directly with a broker to receive your specific coverage and limits. They will also provide pricing information at the time of quoting. If you are like most of us and get baffled by all the jargon and choices, why not read our handy travel insurance guide before contacting a broker?
Here are some of the key benefits included as part of Ageas Travel Insurance standard policies:
|
Standard
|
Single trip
|
Annual multi-trip
|
Long stay
|
|||
|---|---|---|---|---|---|---|
|
Cover
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
|
Missed departure
|
£750
|
£0
|
£750
|
£0
|
£500
|
£0
|
|
Holiday abandonment
|
£5,000
|
£50
|
£5,000
|
£50
|
N/A
|
N/A
|
|
Cancellation of your trip
|
£5,000
|
£50
|
£5,000
|
£50
|
£1,000
|
£50
|
|
Curtailment
|
£5,000
|
£50
|
£5,000
|
£50
|
N/A
|
N/A
|
|
Medical and other expenses
|
£10m
|
£50
|
£10m
|
£50
|
£5m
|
£50
|
|
Personal liability
|
£2m
|
£250
|
£2m
|
£250
|
£2m
|
£250
|
|
Personal accident
|
||||||
|
Loss of limbs or sight
|
£25,000
|
£0
|
£25,000
|
£0
|
£15,000
|
£0
|
|
Loss of limbs or sight
|
£25,000
|
£0
|
£25,000
|
£0
|
£15,000
|
£0
|
|
Permanent total disablement
|
£25,000
|
£0
|
£25,000
|
£0
|
£15,000
|
£0
|
|
Death benefit (aged 18-70)
|
£10,000
|
£0
|
£10,000
|
£0
|
£10,000
|
£0
|
|
Death benefit (aged under 18)
|
£1,000
|
£0
|
£1,000
|
£0
|
£1,000
|
£0
|
The excess is how much you would have to pay yourself if you need to make a claim.
Ageas Travel Insurance Optional Extras
Want to know more about the optional extras you can add on to an Ageas Travel Insurance policy? Below we will provide details about baggage, wedding, golf and winter sports cover.
Baggage
If you purchase travel insurance with Ageas you will need to add on baggage if you want this type of cover. Speak to your broker while you are requesting a quote and they will be able to specify the cost associated with this extra.
|
Baggage
|
Single trip
|
Annual multi-trip
|
Long stay
|
|||
|---|---|---|---|---|---|---|
|
Cover
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
|
Personal belongings
|
£1,500 (£300 single item limit)
|
£50
|
£1,500 (£300 single item limit)
|
£50
|
£1,500 (£300 single item limit)
|
£50
|
|
Delayed baggage
|
£100
|
£0
|
£100
|
£0
|
£100
|
£0
|
|
Money and documents
|
£400
|
£50
|
£400
|
£50
|
£400
|
£50
|
|
Loss of passport
|
£500
|
£0
|
£500
|
£50
|
£250
|
£0
|
Weddings
What do you think of when you hear ‘destination wedding’... crystal blue water, stunning sunsets, exotic food? Yep, destination weddings can be absolutely amazing, or they have the power to turn even the sweetest of brides into a bridezilla.
What could go wrong you ask? If you ponder this question for even a moment you realise there are more than a few risks… but nothing that can’t be mitigated without some careful planning and, of course, travel insurance. Don’t let your dream day be ruined by something lost in translation or lost in transit. We’ll leave the wedding planning to you, but Ageas can help you cover your belongings. Here is what Ageas Travel Insurance could cover:
|
Wedding
|
Single trip
|
Annual multi-trip
|
Long stay
|
|||
|---|---|---|---|---|---|---|
|
Cover
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
|
Wedding attire (per person)
|
£1,500
|
£50
|
£1,500
|
£50
|
N/A
|
N/A
|
|
Wedding gifts (per couple)
|
£1,000
|
£50
|
£1,000
|
£50
|
N/A
|
N/A
|
|
Wedding rings (per ring)
|
£250
|
£50
|
£250
|
£50
|
N/A
|
N/A
|
Golf Cover
If you are planning a golf trip overseas, it is highly recommended that you take additional golf cover out. It will protect you against broken equipment and any lost green fees. The table below outlines what is included in an Ageas golf add-on.
|
Golf
|
Single trip
|
Annual multi-trip
|
Long stay
|
|||
|---|---|---|---|---|---|---|
|
Cover
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
|
Golf equipment
|
£1,000
|
£50
|
£1,000
|
£50
|
N/A
|
N/A
|
|
Golf equipment hire max
|
£200 (£20 daily)
|
£0
|
£200 (£20 daily)
|
£0
|
N/A
|
N/A
|
|
Green fees max
|
£300 (£75 daily)
|
£0
|
£300 (£75 daily)
|
£0
|
N/A
|
N/A
|
Winter Sports
Winter sports cover is a necessary add-on if you have a snow or ski holiday coming up. It not only means you are protected for any nasty medical bills, but also covers your equipment. Let’s see what Ageas winter sports cover looks like.
|
Winter
|
Single trip
|
Annual multi-trip
|
Long stay
|
|||
|---|---|---|---|---|---|---|
|
Cover
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
Limit (up to)
|
Excess
|
|
Piste closure
|
£300 (£30 daily)
|
£0
|
£300 (£30 daily)
|
£0
|
£300 (£30 daily)
|
£0
|
|
Avalanche closure
|
£500 (£50 daily)
|
£0
|
£500 (£50 daily)
|
£0
|
£500 (£50 daily)
|
£0
|
|
Winter sports equipment
|
£500
|
£50
|
£500
|
£50
|
£500
|
£50
|
|
Winter Sports Equipment Hire
|
||||||
|
Max
|
£150 (£10 daily)
|
£0
|
£150 (£10 daily)
|
£0
|
£150 (£10 daily)
|
£0
|
|
Ski pack
|
£250
|
£0
|
£250
|
£0
|
£250
|
£0
|
Piste closure cover is only valid from 10 December to 30 April.
Can I Cancel my Ageas Travel Insurance Policy?
Ageas will allow you to cancel your policy, provided that you cancel within 14 days of receiving the policy wording and policy schedule. Ageas will refund your premium in full, as long as you have not made a claim against the policy and/or you have not started your trip within these 14 days. If you want to cancel your policy, please contact the insurance broker you purchased your policy through.
How to Make a Claim or Complaint
If you have purchased travel insurance through Ageas, hopefully, everything is going according to plan, but things can and do go wrong though. If you need to make a claim, we recommend phoning Ageas on one of the following numbers:
- If you are in the UK: 0345 122 3280
- If you are abroad: +44 2380 312323
If things have gone really south and you need to make a complaint, follow the information in the table below.
|
Nature of Complaint
|
Who to Contact
|
|---|---|
|
About the way the policy was sold to you.
|
Please contact your insurance agent/broker.
|
|
About a claim you have submitted.
|
Please call the phone number shown on your claims documentation.
|
Want to know more about Ageas as a company, inclduing customer reviews and how it handles complaints? Head to our guide on Ageas Insurance(coming soon) to find out all you need to know about the provider.
Data and information correct as of July 2019.
All material on this page and the selectra.co.uk website is for information purposes only and does not constitute any form of financial advice. Selectra.co.uk is not responsible for any consequences that might arise from your use of the information provided.
Other providers are available and the best deal for you will depend on your individual circumstances. Please do your own research and seek professional advice if necessary (moneyadviceservice.org.uk offers free, independent advice on all financial issues).