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 | 58.04% |
|---|---|
| Customer trust | 50.64% |
| Complaints performance | 69.03% |
| Transparency rating | 56.35% |
| Fairer Finance score Reviewed Autumn 2021 |
59% |
| Customer happiness | 54.88% |
|---|---|
| Customer trust | 46.18% |
| Complaints performance | 68.57% |
| Transparency rating | 59.99% |
| Fairer Finance score Reviewed Autumn 2021 |
57% |
| Cover limit for lost keys i | Unlimited |
|---|---|
| Courtesy car for duration of repair i | |
| Uninsured driver promise i | |
| Cover for replacing original audio/visual equipment i | Unlimited |
| New car replacement | |
| Windscreen repair excess i | £0 |
| Windscreen replacement excess i | £60 |
| Repairs guarantee (years) i | Lifetime |
| Cover limit for stolen keys i | Unlimited |
| 24hr helpline available i | |
| Courtesy car provided if stolen / total loss i |
| Matching sets i | |
|---|---|
| Theft from outbuildings cover limit i | £5,000 |
| Escape of water excess i | £250 |
| 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 | |
| 24hr helpline i |
| 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 |
| 24hr helpline i | |
| Property owner liability i | £2,000,000 |
| 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 |
| Cancelling before travel cover limit i | £5,000 |
|---|---|
| Medical excess i | £0 |
| Personal Possessions and Baggage - damaged, lost or stolen- cover limit i | £2,000 |
| Cutting trip short cover limit i | £5,000 |
| Abandoning your trip cover limit i | £5,000 |
| Emergency medical cover and repatriation cover limit i | £10,000,000 |
| Mental health cover i | |
| Lost or stolen cash i | £300 |
| Combined passport & travel cover limit i | £250 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 31 days |
| Cancelling before travel cover limit i | £5,000 |
|---|---|
| Medical excess i | £75 |
| Personal Possessions and Baggage - damaged, lost or stolen- cover limit i | £2,000 |
| Cutting trip short cover limit i | £5,000 |
| Abandoning your trip cover limit i | £5,000 |
| Emergency medical cover and repatriation cover limit i | £10,000,000 |
| Mental health cover i | |
| Lost or stolen cash i | £300 |
| Combined passport & travel cover limit i | £250 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Max trip duration i | 31 days |
| Cancelling before travel cover limit i | £5,000 |
|---|---|
| Medical excess i | £75 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000 |
| Cutting trip short cover limit i | £5,000 |
| Abandoning your trip cover limit i | £5,000 |
| Emergency medical cover and repatriation cover limit i | £10,000,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel cover limit i | £250 |
| Missed departure cover limit i | £800 |
| Cancelling before travel cover limit i | £5,000 |
|---|---|
| Medical excess i | £0 |
| Personal Possessions and Baggage - damaged, lost or stolen - cover limit i | £2,000 |
| Cutting trip short cover limit i | £5,000 |
| Abandoning your trip cover limit i | £5,000 |
| Emergency medical cover and repatriation cover limit i | £10,000,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel cover limit i | £250 |
| Missed departure cover limit i | £800 |
| 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 |
| Avalanche closure cover limit i | £300 |
| Piste closure cover limit i | £300 |
| Ski equipment owned excess i | £50 |
| Ski equipment hired i | £500 |
| Single item limit for hired equipment i | £250 |
| Unused ski pass due to illness or injury i | £300 |
| 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 |
| Avalanche closure cover limit i | £300 |
| Piste closure cover limit i | £300 |
| Ski equipment owned excess i | £0 |
| Ski equipment hired i | £500 |
| Single item limit for hired equipment i | £250 |
| Unused ski pass due to illness or injury i | £300 |
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
|---|---|
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
| Does the policy cover medical cover if you catch Covid-19? | |
| 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? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |
| Cancellation cover for if policy holder has covid (confirmed either by test result or doctor's note) within 14 days of departure date? i | |
|---|---|
| Cover for change in the FCDO advice whilst on trip? e.g. between when you fly out and come home? | |
| Does the policy cover medical cover if you catch Covid-19? | |
| 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? | |
| Cover for all aspects of the policy, (EXCEPT cancellation and curtailment) for change in the FCDO advice between when you book and departure? | |
| No additional premium to extend policy due to getting covid-19 (for days of trip extended) |