Ageas motorbike insurance review

We've analysed the motorbike insurance from Ageas, with policies where you get to choose the mileage limit, add extra protection and decide who fixes your bike following an accident. Here's our analysis of this insurance provider.

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Ageas motorbike insurance

Ageas motorcycle and classic motorcycle insurance policies are geared towards safe riders and a wide variety of bikes. We checked out this insurance provider and here’s what we think you should know about Ageas motorbike cover.

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Who is Ageas?

Ageas can trace its roots back to 1824 and then began insuring customers in the UK in 1939. It offers a range of personal and business financial products including home, travel, business, van, motorbike and 5-star Defaqto-rated car insurance.

It’s one of the larger insurers in the UK and part of a global group, with its headquarters in Brussels, Belgium.

You can only buy Ageas motorcycle and classic motorcycle insurance from a broker, not by contacting Ageas directly.

What are Ageas’ levels of cover?

Ageas offers the three standard types of motorbike cover:

Third party (TP)

The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.

Third party, fire and theft (TPFT)

You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.


You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike or a replacement if yours is declared a write off and cover you for any personal injuries. Following an accident, Ageas says you can decide who fixes your bike or it will give you the cash to fix your own bike. And it’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.

What is covered under my motorbike policy with Ageas?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people
Fire and theft
Accidental damage
European use
Audio/Satellite navigation equipment
Key cover
Hotel/travel expenses

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Ageas offers a range of products that provide increased protection in certain areas. Some of the additional cover options to bolt onto Ageas motorbike insurance are:

  • Breakdown Cover
  • Legal Expenses
  • Key Protection
  • Replacement Vehicle Cover
  • Excess Protection
  • Personal Accident

General exclusions

Any motorbike cover offered by Ageas is likely to become invalid if any of the following arises:

  • You change the use of your motorbike from its original use. For example, changing from social, domestic and pleasure to business use.
  • Your motorbike is being used by an unnamed rider on your policy or by a person that does not have a valid motorcycle licence.
  • You fail to pay for your premium.
  • You change your motorbike during the policy term to a motorbike that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your motorbike insurance policy through Ageas

  • Increasing security. If your motorbike is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your motorbike. Motorbikes kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer riders. Only add riders to your policy that regularly ride your motorbike
  • Ride safely. Safer drivers spend less on motorbike insurance – a history of speeding tickets or claims against your insurance will increase the cost.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Ageas?

Call the Ageas 24-hour claims line on 0345 126 2599 to register a claim. This 24-hour claims line is over seven days a week.

Ageas recommends you have the following information to hand when calling to report an incident or make a claim:

  • Your policy number and personal details
  • Details about the incident
  • Names and contact details for everyone involved such as third parties, passengers or witnesses
  • Photographic evidence, if available
  • Details about damage or injuries sustained
  • Make, model, colour and registration numbers for all vehicles involved in the incident
  • Weather conditions at the time of the incident
  • Police reference number, if necessary

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, (Mar ’24). 51% of car insurance customers could save £539.54

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