RIAS

RIAS was a specialist insurance company for the Over 50s, but now also provide 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, travel and life insurance. Ageas Insurance Limited (a sister company of Ageas Retail Limited) underwrite the insurance and provide RIAS claims service.

RIAS
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Car insurance

Ranked 22nd of 52 providers reviewed.

Customer happiness 64.35%
Customer trust 51.72%
Complaints performance 71.47%
Transparency rating 47.38%
Fairer Finance score
Reviewed Autumn 2020
61%

Home insurance (building and contents)

Ranked 45th of 51 providers reviewed.

Customer happiness 54.74%
Customer trust 47.11%
Complaints performance 64.95%
Transparency rating 58.91%
Fairer Finance score
Reviewed Autumn 2020
56%

Car insurance

RIAS

Car Insurance

4 stars
Courtesy car for duration of repair i
Uninsured driver promise i
Cover limit for lost keys i Unlimited
New car replacement
24hr helpline available i
Courtesy car provided if stolen / total loss i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover limit for stolen keys i Unlimited
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i Lifetime

Home insurance (building and contents)

RIAS

Home Insurance

3 stars
Escape of water excess i £250
Matching sets i
Theft from outbuildings cover limit i £5,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Cover for keys if lost i £1,000
Money in the home i £500
Replace belongings new for old i

Buildings insurance

RIAS

Home Insurance

2 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £1,000
Matching sets i
Alternative accommodation cover limit i £100,000
Cover for keys if stolen i £1,000
Compulsory excess i £50
Escape of water excess i £250
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

RIAS

Home Insurance

2 stars
Theft from outbuildings cover limit i £5,000
Matching sets i
Cover for keys if lost i £1,000
Cover limit for cycles in the home i Part of sum insured
Replace belongings new for old i
Alternative accommodation cover limit i 20% of sum insured
Money in the home cover limit i £500
Cover for keys if stolen i £1,000
24hr helpline i

Travel insurance

Annual multi-trip insurance

RIAS

RIAS Annual Trip Nil Excess

4 stars
Medical excess i £0
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RIAS

RIAS Annual Trip

4 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

RIAS

RIAS Single Trip

4 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £800
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250

RIAS

RIAS Single Trip Nil Excess

4 stars
Medical excess i £0
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £800
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250

Travel insurance add-on: winter sports

RIAS

RIAS Single Trip

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £300

RIAS

RIAS Single Trip Nil Excess

2 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £0
Ski equipment hired i £500
Single item limit for hired equipment i £250
Avalanche closure cover limit i £300
Piste closure cover limit i £300
Unused ski pass due to illness or injury i £300

Travel Insurance Covid-19 Cover

RIAS

RIAS Single Trip

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)

RIAS

RIAS Single Trip Nil Excess

1 stars
Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home?
Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i
Does the policy cover medical cover if you catch Covid-19?
Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure?
Cancellation cover for if travel companion has covid-19 (confirmed either by test result or doctor's note) within 14 days of departure date? i
Cancellation cover due to a close relative having covid-19 and is admitted to hospital (this person is not travelling but you cancel trip to stay near them)
Cancellation/curtailment: bereavement of a close relative due to Covid
Cancellation/curtailment cover if denied boarding by airline because displaying symptoms?
No additional premium to extend policy due to getting covid-19 (for days of trip extended)