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Anthony Howe

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Review of the Admiral, Home Insurance:

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Good value Household insurance

Admiral comes out as cost-effective and one of the better-value household insurance provides on many comparison sites. They have good reviews and have won insurance awards Reviewed on: 27th April 2023

Review of the Ageas, Home Insurance:

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One of the larger household insurers and one of the worst in my experience

I had no deliberate intention of becoming involved with Ageas but I made the mistake of going to Saga over 50 in the mistaken belief that they would look after me. Why Saga act as a broker for Ageas I know not but at 54% paying our on claims which is what I read, Ageas is not keen on paying claims if it can possibly squeeze out of doing so. After Christmas 2022, January provided some really heavy days of rain and rain and water seeped into the lower storey corridor of my three stores house that has no history of flooding. I tried to claim for a damaged floor carpet but an assessor was sent and he refused to accept the water regression as being due to excessive rainfall during a storm, The claim was repudiated as being more likely to wear and tear than storm damage. I tried to renew my household insurance when due for renewal in April 2023 but the policy renewal was increased from £351 to a figure that was more than double this sum, I tried to look elsewhere using Go Compare which I found to be a good online search facility and Admiral plus other insurance companies were identified as inexpensive options for Household insurance. I tried to insure with Admiral but I was not able to do so as Aegeas had registered an unclosed claim on CUE which is a little-known online database where insurance companies flag up info about anyone who makes a claim whether legitimate or otherwise. I was told by Admiral that they would insure me if Ageas agreed to mark my claim as closed. This should not have been a problem as Ageas had made it clear that my claim had been rejected and was therefore dead. Ageas refused to mark the claim as closed on the CUE electronic database as I had the temerity to complain of their service vis: more than doubling the renewal quote and leaving me uninsured for ten days. Eventually, Admiral helped me out by charging me a bit extra for the black mark of an incident being logged against mY name and I suggested an additional excess of £1000 against flooding. Admiral was an OK firm to deal with OK but they had been spooked by Ageas who provided appalling customer service and definitely made it very hard for me to obtain household insurance elsewhere. Thanks for nothing to Ageas and likewise no positive thanks to Saga who placed me in the hands of Ageas Reviewed on: 27th April 2023

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