Home claims

Save time and register your claim online.

If you need to make a claim on your insurance policy, you'll benefit from access to a UK-based claims service designed to ease you through the process and make sure you have peace of mind in such difficult circumstances.

To know exactly what you're covered for, read our policy documents.

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Register a claim online 24/7

The quickest way to register an Accidental damage, Escape of water, Storm damage, Loss or Theft of Personal Belongings or Freezer Food claim is online. When you click the link to register or manage your claim online, you will be directed to the claims service on the Ageas website. Please note that RIAS is a trading name of Ageas Retail Limited. Ageas Retail Limited is a sister company of Ageas Insurance Limited. All claims are managed by Ageas Insurance Limited.

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Weather Hub

With the increase of extreme weather events in the UK, we're here to help you protect your home and offer support if your home is affected. Browse our weather hub for help with flood, freeze and storm conditions.

Alternatively, you can contact us at the numbers below, but please be aware we are experiencing long call waiting times.

We’re dedicated to making sure that our insurance gives you total peace of mind. That's why you have access to a 24/7 UK-based claims service, who will deal with your claim as quickly as they can.

To make a home insurance claim call 0345 122 3281 24/7.

If you've added an optional extra to your home insurance policy, these are the contact numbers you'll need:

  • For Legal Expenses - Call 0345 841 0018.

  • For Home Protection and Home Protection Plus

    The claims handling services for Home Emergency cover are provided by AXA Assistance UK Limited on behalf of Ageas.

    Please click here to make a claim online

    Alternatively, please call 0345 840 2730.
    Lines are open 24 hours a day, 365 days of the year.

  • For Home Excess Protection

    If your policy is provided by Ageas Insurance Limited call 0345 125 2431

    If your policy is provided by Axa Assistance Limited call 0345 164 0897 or you can make a claim 24/7 using the online portal

    0345 164 0897, Mon -Fri: 9am - 5pm,Weekends/bank holidays: closed.

    You can call to discuss an existing claim – our teams are available Mon-Fri 9am -5pm.  Alternatively, you can also manage your existing claim online.

What will happen?

There are a few simple steps when you make a home insurance claim:

Step 1

Please call us on 0345 122 3281.

Step 2

Our claims team will ask you for full details of the incident and confirm if you're covered. If your claim can be settled over the phone, payment will be sent you within five working days.

Step 3

If your claim can't be settled over the phone, it may be because:

The claims team need more information from you:

  • If you choose to use your own contractor, all our claims team need is a written estimate confirming the cause of the damage.
  • Once you have this, please call our team back to see if they can settle your claim over the phone, or need to have the estimate sent to them.

Please also read our tips on what to have to hand before you call.

Or, a loss adjuster or an approved supplier is required and will arrange to meet you. If so, they will:

  • Contact you within two hours of receiving instruction from the claims team. 
  • Arrange an onsite inspection or collection of the damaged property, in most cases within three working days of contacting you.
  • Give our claims team written confirmation of the outcome within three days of the inspection.

Before you call

Before you call our home insurance claims team, try to have the following to hand if you can:

  • your policy details
  • any receipts
  • confirmation of the cause of damage
  • photos of the damage
  • estimate for repair/replacement

Top tips

Our top tips for making a home insurance claim:


  • Any claim for loss or malicious damage should be reported to the police.
  • Temporary repairs should be carried out to prevent further loss. If your claim is covered, then we'll reimburse you the cost, so keep hold of any invoices you pay.
  • Read your policy documents to see if you can use any of your optional cover, which is included in your policy. 


  • Don’t dispose of any damaged items, as we may need to inspect them. Badly damaged property can be stored in a garage or shed.


Get in touch with us if you have any questions or read our home insurance policy documents for more information.