RIAS

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.

RIAS
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Car insurance

Ranked 41st of 49 providers reviewed.

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%

Home emergency cover

Ranked 34th of 35 providers reviewed.

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%

Home insurance (building and contents)

Ranked 35th of 46 providers reviewed.

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%

Car insurance

RIAS

Car Insurance with Key Care, Replacement Vehicle and Breakdown

4 stars
Cover limit for lost keys i £1,500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £1,500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

RIAS

Car Insurance

3 stars
Cover limit for lost keys i £500.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i Lifetime
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Home emergency cover

RIAS

Home Protection Plus Cover

2 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 30
Claims limit i Unlimited

RIAS

Home Protection Cover

1 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 30
Claims limit i Unlimited

Home insurance (building and contents)

RIAS

Home Insurance

3 stars
Theft from outbuildings i £5,000.00
Coverage limit for cycles within the home i Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £100,000.00
Protection against inflation (Buildings)
Buildings cover limit i £1,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Contents cover limit i £50,000.00
Money in the home i £500.00
Visitor's possessions i £350.00
Office equipment i £5,000.00
Alternative accommodation cover limit for contents i 20% of the sum insured
Escape of water excess (minimum) i £250.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £50.00
Flood excess i £50.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i 10% of the sum insured
Replace belongings new for old i

Buildings insurance

RIAS

Home Insurance

3 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £250.00
Buildings compulsory excess i £50.00
Escape of water excess i
Unoccupied period i 60.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £20.00
Property owner liability i £2,000,000.00

Contents insurance

RIAS

Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Windspeed (mph) i 55 mph
Property owner liability i £2,000,000.00

Motor Excess Cover

Personal Motor Excess Insurance

RIAS

Excess Protection

1 stars
Annual cover limit i £1,000.00
Claim limit i 2

Travel insurance

Annual multi-trip insurance

RIAS

Platinum

4 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i £20,000,000.00
Mental health cover i
Personal money i £1,500.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £7,500.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Natural disaster relocation cover i
Max trip duration i 62 days

RIAS

Gold

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £1,250.00
Combined passport & travel documents cover limit i £600.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 62 days

RIAS

Silver

3 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £1,000.00
Combined passport & travel documents cover limit i £100.00
Cutting trip short (curtailment) cover limit i £3,000.00
Abandoning your trip (abandonment) cover limit i £3,000.00
Natural disaster relocation cover i
Max trip duration i 62 days

Single trip insurance

RIAS

Platinum

4 stars
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
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
Emergency medical cover and repatriation cover limit i £20,000,000.00
Personal money i £1,500.00
Combined passport & travel documents limit i £750.00

RIAS

Gold

4 stars
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
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
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £1,250.00
Combined passport & travel documents limit i £600.00

RIAS

Silver

3 stars
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
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
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £1,000.00
Combined passport & travel documents limit i £100.00

Travel insurance add-on: cruise cover

RIAS

Platinum

1 stars
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

RIAS

Gold

1 stars
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

RIAS

Silver

1 stars
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

Travel insurance add-on: winter sports

RIAS

Platinum

3 stars
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
Avalanche closure cover limit i £500.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £50.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £400.00

RIAS

Gold

3 stars
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
Avalanche closure cover limit i £400.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £75.00
Ski equipment hired i £350.00
Single item limit for hired equipment i £350.00
Unused ski pass due to illness or injury i £400.00

RIAS

Silver

2 stars
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
Avalanche closure cover limit i £250.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £100.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £400.00