How to Notify Ageas After a Death in the UK

How to Notify Ageas After a Death in the UK

If someone who died held an Ageas policy, contact Ageas or the broker that sold the policy before making changes. The most important thing is to keep any essential cover in place until you know who owns the vehicle, property or belongings and what the estate needs.

This guide explains what to gather, what to ask, and how to avoid common problems with car or home insurance after a death.

Start with the policy documents

Look for the policy schedule, renewal email, online account details, direct debit reference, or any letters from Ageas. Do not worry if you cannot find everything before you call. Insurers can usually search using the deceased person's name, address, date of birth and policy number if you have it.

Ageas says that if the policyholder has passed away, it would like to speak to you directly. Its public guidance also says that if the Ageas car insurance was bought through a broker, partner or intermediary, you should contact that broker or partner to make changes to the policy rather than Ageas directly.

That distinction matters. Many insurance brands sell through comparison sites, brokers, affinity partners and white-label arrangements. The name on the policy schedule tells you who to contact first.

What to prepare before contacting Ageas

Have these details ready if you can:

Detail	Why it helps
Full name of the person who died	Helps Ageas identify the policy
Address and date of birth	Useful if the policy number is missing
Policy number	Speeds up the search
Date of death	Needed to update the record
Your name and relationship	Explains why you are calling
Executor or administrator details	May be needed for refunds or cancellation decisions
Vehicle registration or insured property address	Important for car and home policies
Death certificate	May be requested later, especially for refunds or formal changes

You may not be the executor. You can still usually notify the insurer that someone has died, but Ageas may only discuss some decisions with the legal personal representative.

Decide whether cover needs to continue

Do not cancel a policy automatically. Ask what cover is currently in place and what happens next.

For car insurance, key questions are:

• is the car still insured if it is parked and not being driven?
• is anyone else named on the policy?
• can a named driver continue using the vehicle?
• does the policy need to be transferred, cancelled or replaced?
• what happens if the car is being sold by the estate?

For home insurance, ask:

• whether the property remains covered if it is empty
• how often someone must inspect the property
• whether locks, heating, water or security arrangements need changing
• whether there are limits on unoccupied-property cover
• who should be listed as the contact while probate or estate administration is ongoing

A small delay here can prevent a bigger problem later. If a house is empty, if keys are circulating among relatives, or if the car is still on the road, the policy conditions may matter more than the cancellation date.

If the policy was bought through a broker or partner

Ageas specifically says that where car insurance was bought through a broker, partner or intermediary, you should contact them to make policy changes. Check the policy schedule for wording such as "arranged by", "administered by" or the broker's name.

When you contact the broker, ask whether they will notify Ageas, what documents they need, and whether any refund is due to the estate. Keep a note of the call date, the person you spoke to, and any reference number.

Refunds, direct debits and estate money

If a policy is cancelled mid-term, there may be a refund or there may be outstanding premiums or charges. The insurer or broker will explain this based on the policy terms.

Any refund usually belongs to the estate, not to the person who happened to make the phone call. If there is a direct debit from the deceased person's bank account, tell the bank as part of the wider death-notification process, but do not rely on the bank cancellation alone as proof that the insurance has ended properly.

This is where a checklist helps. GetPassage can help you track which insurers, banks, utilities and subscriptions have been contacted so the same call is not repeated by different relatives.

If there is an active claim

Tell Ageas or the broker if there is an open claim. For example, a car accident, home escape-of-water claim, theft claim or storm damage claim may still need handling even though the policyholder has died.

Ask:

• whether the claim can continue
• who should provide documents
• where settlement money would be paid
• whether the executor needs to sign anything
• whether contractors or repairers need updated contact details

Do not assume a claim stops just because the person has died. It may become part of the estate administration.

Simple script for the call

You can say:

I am calling to notify you that the policyholder has died. Their name was [name], their address was [address], and the policy number may be [number]. Please can you tell me what cover is currently in place, what documents you need, and whether the policy should continue, transfer or be cancelled?

Then ask for the next step in writing or by email if possible.

Keep a record

After the call, write down:

• the date and time
• the number or channel used
• the name of the person you spoke to
• the policy number
• whether cover continues
• any documents requested
• any refund or outstanding amount mentioned
• the deadline for sending information

This is not bureaucracy for its own sake. It protects the estate and makes it easier if another family member needs to pick up the task later.

When to get extra help

Consider legal or professional advice if the estate is disputed, the policy has a large refund or claim, the home is empty for a long period, or nobody is sure who has authority to act.

In most straightforward cases, the immediate job is simpler: notify the right Ageas route, avoid cancelling essential cover too early, and keep clear notes until the estate is settled.