Home insurance with no yearly contract

  • 24/7 access to our award-winning claims service
  • Comprehensive buildings cover up to £1 million from £8.07 per month* (10% of people paid this or less Aug-Oct 17)
  • Flexible £20k - £100k contents cover from only £5.60 per month* (31% of people paid this Aug-Oct 17)
  • Zero fees, zero charges – make changes or cancel for free whenever
  • Accidental damage cover can be switched on or off, so you don’t pay for it if you don’t want it
  • Pick your price by choosing your excesses on 8 insurable events (with £0 excess option on most)
  • If you make a successful claim, we will pay it straight away


Don't just believe what we say...

Customers rate us excellent on Trustpilot

Pick your price with our excess sliders

STEP 1: Enter some details about you and your home and get your basic price

STEP 2: Use 8 sliders to adjust your excess and change your price instantly

STEP 3: Finish on a price and cover that’s right for you

Pick your price
Month by month

Take it month by month

We understand that circumstances can change.  With ageas elastic, you can make as many changes as you like, as often as you like, and we won’t charge you a fee for doing so… Ever!

With no cancellation fees either, you really can stay as long as you want.

Additional premiums may apply if YOU make changes to your policy.

No yearly haggle

Loyalty shouldn’t come at a price. The insurance industry has a reputation for increasing customers’ prices year-on-year despite them not claiming. To help you understand exactly what a rolling contract is, here’s how we shape up against the rest:

 A standard insurance policy:

An elastic insurance policy:

12 month minimum contract

Month-by-month, like a Netflix subscription

If you leave within the 12 months you may be charged a cancellation fee

Leave whenever you want, without a cancellation fee

If you make a change (like moving house) you may be charged an admin fee

Make as many changes as you want, without an admin fee

At each renewal your price is re-assessed, you’re starting a new 12 month contract

You have no yearly renewal so you keep your price*

If you pay monthly, you are usually charged extra

No APR charges whatsoever


*Unfortunately, we can’t control the increases to premiums that industry-wide changes bring such as inflation or insurance premium tax. However, with ageas elastic you won’t see any unexplained price increases, promise.


How do I make changes to my policy?

You can make changes to your policy anytime you like - just log in to your online account. Click here to make changes with no admin fees.

How do I contact you?

We've worked really hard to keep things really clear and simple so we hope you find everything you need online. However, if you still need to get in touch, here's the best ways:

Live chat consultants

Mon to Fri 08:30-20:00

Sat 08:30-16:00

Email enquiry team

Fill out our contact us form anytime.

Claims team

If you need to make a claim, you can phone our dedicated claims team 24/7. For more information, please click here.

When's my policy renewal date?

With ageas elastic, you're not tied in to the usual 12 month policy. You get complete flexibility with a simple rolling monthly contract. No more yearly haggle.

You say no fees, no charges. What's the catch?

There really isn't one. Make your changes online with no admin fee and leave anytime with no cancellation charge.

What else can I add to my policy?

We believe our cover is very comprehensive already and we've also won awards for our claims service.

We are working hard to develop optional extras and we will let you know as and when exciting new cover is available.

If there's no yearly renewal, when does my price change?

Once you've chosen your cover and picked your price, we think you should keep it.

There are a few things out of our control:

    • If you make a claim or a change
    • Government or industry wide changes (e.g. increases to insurance premium tax or inflation)

If any of these events do ever happen, we will give you notice of any increases to your monthly price. Otherwise it keeps on rolling!