Independent guide — VIP Claims is not affiliated with Ageas.
How to Make an Ageas Car Insurance Claim
Ageas Insurance Limited
The short answer
Whether you bought your policy directly with Ageas, through Rias, Saga, or another broker, you can start a claim through the shared Ageas claims service, which asks a few questions before either taking you through an online claim or giving you the relevant phone number. It's best to make a claim before arranging any repairs yourself.
Official Ageas claim contacts
These are Ageas's own contact details, published on Ageas's website. They are not VIP Claims numbers.
Claim online at Ageas- New claim (Ageas-branded policies)03451 256 850
Official Ageas contact number · 24 hours a day, 365 days a year
For policies bought directly with Ageas; European callers can use +44 1242 715924
Policy types: Ageas Insurance Limited underwrites car insurance sold directly under the Ageas brand as well as policies sold through partners such as Rias and Saga, and through various brokers and comparison sites; the claims portal asks a few questions so it can route you to the right online journey or phone number depending on where you bought your policy.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Ageas policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not an Ageas number. VIP Claims Ltd is not affiliated with or endorsed by Ageas.
Step by step
How to start a Ageas claim
- 1Go to the Ageas claims service and answer the questions about what you're claiming for
- 2Follow the online journey if it's available for your situation, or use the phone number you're given
- 3Check your policy documents first if you're unsure whether you bought directly with Ageas, Rias, Saga or through a broker
Before you call
Information to have ready
- Your policy number
- Details of what happened, including where and when
- Photos of the damage or dashcam footage
- Witness contact details
- Third-party details, including their vehicle registration
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Ageas checks that you're covered under your policy
- They confirm how much excess you'll need to pay
- They send a link so you can upload photos or documents
- They review your claim and keep you updated
- If needed, they help arrange repairs through their approved repairer network
Costs
Excess and your no-claims discount
Your excess, cover limits and any endorsements are shown in your Statement of Fact, which you can find in your online account or policy confirmation email.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
Ageas offers a separate 'make an optional cover claim' route for replacement vehicle cover, so availability depends on whether you took out this optional extra.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Ageas has an approved repairer network and can help pick a suitable repairer and manage the process once your claim is registered.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through Ageas
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own Ageas policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not an Ageas number. VIP Claims Ltd is not affiliated with or endorsed by Ageas.
Existing claims
Tracking an existing Ageas claim
You can check the status of an existing claim through the Ageas claims service, which also has a dedicated FAQ section for managing an ongoing claim.
If something goes wrong
Complaining about a Ageas claim
Ageas's website explains how to get in touch if you're unhappy with your policy or how a claim has been handled.
Questions
Ageas claims: frequently asked questions
I bought my policy through Rias or Saga – do I still use the Ageas claims service?+
Should I get my car repaired before claiming?+
Do I need to report an incident even if I'm not claiming for my own damage?+
Where this came from
Sources
The Ageas details on this page were taken from Ageas's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- Ageas – make a car insurance claim — checked 30 August 2026
- Ageas Claims – make a car claim — checked 30 August 2026
- Ageas car insurance help — checked 30 August 2026
- Rias car insurance policy booklet (Ageas-underwritten) — checked 30 August 2026
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by Ageas, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.