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 36th of 56 providers reviewed.

Customer happiness 63.16%
Customer trust 52.53%
Complaints performance 70.07%
Transparency rating 56.68%
Fairer Finance score
Reviewed Spring 2021
61%

Home insurance (building and contents)

Ranked 45th of 52 providers reviewed.

Customer happiness 53.26%
Customer trust 46.52%
Complaints performance 68.97%
Transparency rating 61.79%
Fairer Finance score
Reviewed Spring 2021
58%

Car insurance

RIAS

Car Insurance

4 stars
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

Home insurance (building and contents)

RIAS

Home Insurance

2 stars
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

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
24hr helpline i
Property owner liability i £2,000,000

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
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

RIAS

RIAS Annual Trip

4 stars
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

Single trip insurance

RIAS

RIAS Single Trip

4 stars
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

RIAS

RIAS Single Trip Nil Excess

4 stars
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

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
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

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
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

Travel Insurance Covid-19 Cover

RIAS

RIAS Single Trip

1 stars
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)

RIAS

RIAS Single Trip Nil Excess

1 stars
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)