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. 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.
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| Customer happiness | 63% |
|---|---|
| Customer trust | 52% |
| Complaints performance | 68% |
| Transparency rating | 44% |
| Fairer Finance score Reviewed Spring 2019 |
57% |
| Customer happiness | 53% |
|---|---|
| Customer trust | 44% |
| Complaints performance | 66% |
| Transparency rating | 49% |
| Fairer Finance score Reviewed Spring 2019 |
53% |
| Cover for keys/locks if lost i | £500 |
|---|---|
| Uninsured driver promise i | |
| Courtesy car for duration of repair i | |
| Windscreen repair excess i | £0 |
| Windscreen replacement excess i | £60 |
| Cover for keys/locks if stolen i | £500 |
| Cover for replacing original audio/visual equipment i | Unlimited |
| 24hr helpline available i | |
| Repairs guarantee (years) i | Lifetime |
| Courtesy car provided if stolen / total loss i | Optional |
| Escape of water excess i | £250 |
|---|---|
| Matching sets i | |
| Theft from outbuildings i | £5,000 |
| 24hr helpline i | |
| Alternative accommodation i | £100,000 |
| Cover for keys/locks if lost i | £1,000 |
| Money in the home i | £500 |
| New for old i |
| Trace & access i | £5,000 |
|---|---|
| Matching sets i | |
| Cover for keys/locks if lost i | £1,000 |
| Compulsory excess i | £50 |
| Escape of water excess i | £250 |
| Alternative accommodation cover limit i | £100,000 |
| Cover for keys/locks if stolen i | £1,000 |
| Property owner liability i | £2,000,000 |
| 24hr helpline i |
| Theft from outbuildings i | £5,000 |
|---|---|
| Matching sets i | |
| Cover for keys/locks if lost i | £1,000 |
| Cycles included whilst in the home i | Part of sum insured |
| New for old i | |
| Alternative accomodation i | 20% of sum insured |
| Money in the home i | £500 |
| Cover for keys/locks if stolen i | £1,000 |
| 24hr helpline i |
| Medical excess i | £0 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £2,000 |
| Max trip duration i | 31 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Abandoning your trip i | £5,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £250 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions & baggage - damaged, lost or stolen i | £2,000 |
| Max trip duration i | 31 days |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Abandoning your trip i | £5,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £250 |
| Natural disaster relocation cover i | |
| Natural disaster baggage cover i | |
| Mental health cover i |
| Medical excess i | £75 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £2,000 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Missed departure i | £800 |
| Abandoning your trip i | £5,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £250 |
| Medical excess i | £0 |
|---|---|
| Cancelling before travel i | £5,000 |
| Personal possessions and baggage - damaged, lost or stolen i | £2,000 |
| Emergency medical cover and repatriation i | £10,000,000 |
| Cutting trip short/curtailment i | £5,000 |
| Missed departure i | £800 |
| Abandoning your trip i | £5,000 |
| Lost or stolen cash i | £300 |
| Combined passport & travel i | £250 |
| Ski equipment owned i | £500 |
|---|---|
| Single item limit for owned equipment i | £250 |
| Hiring replacement winter sports equipment i | £300 |
| Ski equipment owned excess i | £0 |
| Ski equipment hired i | £500 |
| Single item limit for hired equipment i | £250 |
| Avalanche closure i | £300 |
| Piste closure i | £300 |
| Unused ski pass due to illness or injury i | £300 |
| Ski equipment owned i | £500 |
|---|---|
| Single item limit for owned equipment i | £250 |
| Hiring replacement winter sports equipment i | £300 |
| Ski equipment owned excess i | £50 |
| Ski equipment hired i | £500 |
| Single item limit for hired equipment i | £250 |
| Avalanche closure i | £300 |
| Piste closure i | £300 |
| Unused ski pass due to illness or injury i | £300 |