RIAS used to be a specialist insurance company for the Over 50s, but now also provides cover for all ages.
Rias was launched in 1992 and is owned by Belgian insurer Ageas Retail Ltd, based in Hampshire. It offers car, home and life insurance. Prior to August 2021 they also provided travel insurance.
Ageas Insurance Limited (a sister company of Ageas Retail Limited) underwrite the insurance and provide RIAS claims service.
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| Customer happiness score | 59.96% |
|---|---|
| Customer trust score | 49.8% |
| Complaints performance | 63.42% |
| Transparency rating | 68.49% |
| Fairer Finance score Reviewed Autumn 2023 |
60% |
| Customer happiness score | 39.73% |
|---|---|
| Customer trust score | 48.63% |
| Complaints performance | 59.11% |
| Transparency rating | 66.34% |
| Fairer Finance score Reviewed Autumn 2023 |
53% |
| Customer happiness score | 57.62% |
|---|---|
| Customer trust score | 53.05% |
| Complaints performance | 63.39% |
| Transparency rating | 69.54% |
| Fairer Finance score Reviewed Autumn 2023 |
61% |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £1,500.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £0.00 |
| Windscreen replacement excess i | £60.00 |
| Cover limit for stolen keys i | £1,500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | Lifetime |
| Vandalism i |
| Courtesy car for duration of repair i | |
|---|---|
| Uninsured driver promise i | |
| Cover limit for lost keys i | £500.00 |
| 24hr helpline available i | |
| New car replacement i | |
| Courtesy car provided if stolen / total loss i | |
| Windscreen repair excess i | £0.00 |
| Windscreen replacement excess i | £60.00 |
| Cover limit for stolen keys i | £500.00 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| Repairs guarantee (years) i | Lifetime |
| Vandalism i |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | 30 |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £500.00 |
| Primary Heating System i | |
| Cover Type i | Add-On |
| Internal plumbing and drainage i | |
| Boiler breakdown cover i | |
| Pest infestation cover i | |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | 30 |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Domestic Power supply covered? i | |
| Claims limit i | Unlimited |
| Alternative accommodation cover limit for buildings i | £100,000.00 |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £50.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £50,000.00 |
| Alternative accommodation cover limit for contents i | 20% of the sum insured |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £35.00 |
| Liability to domestic employees i | £5,000,000.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | £1,000.00 |
| Liability as a tenant i | 10% of the sum insured |
| Replace belongings new for old i | |
| Flood excess i | £50.00 |
| Escape of water excess (minimum) i | £250.00 |
| Money in the home i | £500.00 |
| Visitor's possessions i | £350.00 |
| Office equipment i | £5,000.00 |
| Escape of water excess for buildings i | £250.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £50.00 |
| Unoccupied period i | 60 days |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £35.00 |
| Amendment fee (telephone) i | £20.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £5,000.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Annual cover limit i | £1,000.00 |
|---|---|
| Claim limit i | 2 |
| Medical excess i | £50.00 |
|---|---|
| Cancelling before travel cover limit i | £7,500.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £20,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 62 days |
| Cutting trip short (curtailment) cover limit i | £7,500.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £1,500.00 |
| Combined passport & travel documents cover limit i | £750.00 |
| Natural disaster relocation cover i |
| Medical excess i | £75.00 |
|---|---|
| Cancelling before travel cover limit i | £5,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 62 days |
| Cutting trip short (curtailment) cover limit i | £5,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £1,250.00 |
| Combined passport & travel documents cover limit i | £600.00 |
| Natural disaster relocation cover i |
| Medical excess i | £100.00 |
|---|---|
| Cancelling before travel cover limit i | £3,000.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,250.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Mental health cover i | |
| Max trip duration i | 62 days |
| Cutting trip short (curtailment) cover limit i | £3,000.00 |
| Abandoning your trip (abandonment) cover limit i | £3,000.00 |
| Personal money i | £1,000.00 |
| Combined passport & travel documents cover limit i | £100.00 |
| Natural disaster relocation cover i |
| Cancelling before travel cover limit i | £7,500.00 |
|---|---|
| Medical excess i | £50.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £3,000.00 |
| Emergency medical cover and repatriation cover limit i | £20,000,000.00 |
| Cutting trip short curtailment cover limit i | £7,500.00 |
| Missed departure cover limit i | £1,250.00 |
| Abandoning your trip (abandonment) cover limit i | £7,500.00 |
| Personal money i | £1,500.00 |
| Combined passport & travel documents limit i | £750.00 |
| Cancelling before travel cover limit i | £5,000.00 |
|---|---|
| Medical excess i | £75.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000.00 |
| Emergency medical cover and repatriation cover limit i | £15,000,000.00 |
| Cutting trip short curtailment cover limit i | £5,000.00 |
| Missed departure cover limit i | £1,000.00 |
| Abandoning your trip (abandonment) cover limit i | £5,000.00 |
| Personal money i | £1,250.00 |
| Combined passport & travel documents limit i | £600.00 |
| Cancelling before travel cover limit i | £3,000.00 |
|---|---|
| Medical excess i | £100.00 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £1,250.00 |
| Emergency medical cover and repatriation cover limit i | £10,000,000.00 |
| Cutting trip short curtailment cover limit i | £3,000.00 |
| Missed departure cover limit i | £300.00 |
| Abandoning your trip (abandonment) cover limit i | £3,000.00 |
| Personal money i | £1,000.00 |
| Combined passport & travel documents limit i | £100.00 |
| Missed port departure cover limit i | £0.00 |
|---|---|
| Re-joining a cruise cover limit i | £0.00 |
| Cabin confinement cover limit i | £500.00 |
| Missed port departure excess i | |
| Timetable/itinerary change cover limit i | £1,000.00 |
| Unused excursions cover limit i | £750.00 |
| Missed port departure cover limit i | £0.00 |
|---|---|
| Re-joining a cruise cover limit i | £0.00 |
| Cabin confinement cover limit i | £375.00 |
| Missed port departure excess i | |
| Timetable/itinerary change cover limit i | £750.00 |
| Unused excursions cover limit i | £500.00 |
| Missed port departure cover limit i | £0.00 |
|---|---|
| Re-joining a cruise cover limit i | £0.00 |
| Cabin confinement cover limit i | £250.00 |
| Missed port departure excess i | |
| Timetable/itinerary change cover limit i | £500.00 |
| Unused excursions cover limit i | £300.00 |
| Ski equipment owned cover limit i | £1,000.00 |
|---|---|
| Single owned item cover limit i | £400.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £300.00 |
| Ski equipment owned excess i | £50.00 |
| Ski equipment hired i | £400.00 |
| Single item limit for hired equipment i | £400.00 |
| Avalanche closure cover limit i | £500.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £400.00 |
| Ski equipment owned cover limit i | £750.00 |
|---|---|
| Single owned item cover limit i | £350.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £300.00 |
| Ski equipment owned excess i | £75.00 |
| Ski equipment hired i | £350.00 |
| Single item limit for hired equipment i | £350.00 |
| Avalanche closure cover limit i | £400.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £400.00 |
| Ski equipment owned cover limit i | £500.00 |
|---|---|
| Single owned item cover limit i | £300.00 |
| Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i | £300.00 |
| Ski equipment owned excess i | £100.00 |
| Ski equipment hired i | £300.00 |
| Single item limit for hired equipment i | £300.00 |
| Avalanche closure cover limit i | £250.00 |
| Piste closure cover limit i | £400.00 |
| Unused ski pass due to illness or injury i | £400.00 |