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. 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 23rd of 51 providers reviewed.

Customer happiness 63%
Customer trust 52%
Complaints performance 68%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
57%

Home insurance

Ranked 33rd of 47 providers reviewed.

Customer happiness 53%
Customer trust 44%
Complaints performance 66%
Transparency rating 49%
Fairer Finance score
Reviewed Spring 2019
53%

Car insurance

RIAS

Car Insurance

4 stars
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

Home insurance

RIAS

Home Insurance

4 stars
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

Buildings insurance

RIAS

Home Insurance

4 stars
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

Contents insurance

RIAS

Home Insurance

4 stars
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

Travel insurance

Annual multi-trip insurance

RIAS

RIAS Annual Trip Nil Excess

4 stars
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

RIAS

RIAS Annual Trip

4 stars
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

Single trip insurance

RIAS

RIAS Single Trip

4 stars
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

RIAS

RIAS Single Trip Nil Excess

4 stars
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

Winter sports add-on

RIAS

RIAS Travel Insurance Nil Excess

2 stars
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

RIAS

RIAS Travel Insurance

2 stars
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