Is Rias a Good Insurance Company?
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyYou are considering buying an insurance policy at Rias and are wondering if Rias is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about Rias: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
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Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for Rias.
Who is Rias?
Based in Bournemouth and founded in 1992, RIAS is a trading name of Ageas Retail Limited which is authorised and regulated by the Financial Conduct Authority. The company has over 900 employees and has a 5 star rating on Defaqto for their car and home insurance. Ageas is one of the leading insurance companies in the UK and it is authorised and regulated by the Financial Conduct Authority.
What are the main insurance policies available at Rias?
Let's discover below main insurance policies offered by Rias.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more |
Rias expert and consumers reviews: Defaqto, TrustPilot
Rias is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at Rias.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 5 |
Is Rias a good car insurance company?
3,4 Safe overall rating for Rias car insurance
Just like Diamond and Elephant, Rias has a specific set of people that it caters to and this is the drivers aged 50 above. RIAS believes that drivers above 50 are more experienced and should pay less to insure their cars. Some of the covers offered are the onward travel cover, the wrong fuel cover, windscreen cover, etc. The customer care reviews are good and fast. The insurance company has access to the award winning claims service that Ageas Insurance Ltd provides and has also been given the 5 star award by Defaqto. One bad side is that the business and van insurance policies are not offered. However, the insurance company is recommended.
In addition to typical car insurance coverage choices, Rias offers, among other options:
Breakdown cover
For £39.99 per year, Rias provides breakdown cover and it comes in three levels:
- roadside assistance which includes 24/7 roadside repair and assistance
- comprehensive gold: this includes roadside assistance and nationwide assistance
- total protection: this includes roadside assistance, nationwide assistance and onward travel for 31 days and vehicles up to 10 years old.
Windscreen cover
The windscreen cover is already included in the comprehensive cover but for the third party, or third party fire and theft cover, payment for the repair or replacement of the windscreen would have to be made by the owner of the car. Claim on windscreen, window or sunroof doesn't affect NCB.
Motor legal protection
For £29.60, Rias's Motor Legal Protection policy provides:
- £100,000 cover for the driver, passengers and the car in the case of an accident caused by an insured and identifiable person
- legal fees, advice and support
- uninsured loss covering
- personal injury cover.
Personal injury policy
For £26.50 per annum, Rias offers the following as part of their Personal Injury Cover:
- £30,000 for bodily injuries as a result of an accident in the insured vehicle
- £5,000 in the case than insured person aged 16 or under dies as a result of an accident in the insured vehicle
- cover for permanent total body disablement as a result of an accident in the vehicle
- cover to loss of sight in both eyes as a result of an accident in the vehicle.
Besides main car insurance coverage, you can also get extra car insurance options at Rias. Get to know more, read our complete review on Rias car insurance.
Is Rias a good travel insurance company?
4,2 Safe overall rating for Rias travel insurance
RIAS is a trading name of Ageas Retail Limited which is authorised and regulated by the Financial Conduct Authority. The company offers Single and Annual Multi Trip Policies across only one standard level of cover. In addition to the main insurance policies, optional covers such as Golf and Winter Sports are available.
The maximum duration for the Single Trip Policy is 150 days and that of the Annual Multi Trip Policy can be either 31 days or 45 days per trip. Even though the policies are only available across one level of cover, the covers are offered at high limits. For example the medical emergency cover limit is £10M, personal accident is £25,000 and cancellation cover is £5,000.
Due to the high customer satisfaction rate on TrustPilot and the 5 star Defaqto rating, we would recommend RIAS Travel Insurance to anyone looking for affordable premiums for a Single or Annual Multi Trip Policy and may be interested in adding optional covers such as Golf or Winter Sports.
For single and annual multi-trip cover, age and maximum number of days limits at Rias are:
| Main travel insurance policies | Available at Rias |
|---|---|
| Rias maximum number of days limit | Single Trip: 150 days |
| Rias age limit | Single Trip: No age limit |
You will find Rias cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, Rias also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
Excess Waiver Cover is also available as an upgrade.
>> MORE: read our complete review on Rias travel insurance.
Is Rias a good home insurance company?
4,2 Safe overall rating for Rias home insurance
RIAS was founded in 1992 and is now one of the leading insurance provider in the UK also offering car, travel, caravan insurance or breakdown cover.
The standard home insurance policy from RIAS is rated 5 stars by Defaqto. Customers reviews on Trustpilot give are impressive which means that the company must deal with home claims promptly and efficiently.
However, Which? ranked the policy in the lower part of the scale, mainly because of lack of cover provided such as blockage of sewer pipe cover in building insurance for instance or poor cover for contents in the open or in outbuildings.
Rias building insurance
You will find below building main insurance details for the Standard Home Insurance cover at Rias:
- Maximum sum insured for your property: £1 000 000
- Owner's liability: £2 000 000
- Alternative emergency accomodation: £100 000
- Period of home's unoccupancy cover: 60 days
- Trace and access: £5 000
- Keys cover: £1000 to £1500 limit as extra
- Subsidence excess: £1 000
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
Rias contents insurance
You will find below contents insurance details for the Standard Home Insurance cover at Rias:
- Maximum sum insured for your contents: £100 000
- Alternative emergency accomodation: £20 000
- Single item limit: £1 500
- Contents in the open: £2 000
- Contents in outbuildings: £5 000
- Money / credit card kept at home: £500 / £500
- Items temporarily removed from home: £100 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover |
|
| Personal possessions cover |
|
| Mobile cover |
|
| Bike cover |
|
Standard excess to report a claim at Rias is £50.
You will find exhaustive cover details, administration fees, contacts etc. on Rias home insurance on our review below.
>> MORE: read our complete review on Rias home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
Rias discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | No discounts mentioned on RIAS's website. |
| Home insurance | Discount is given for buying combined policy. |
How to contact Rias?
Find out how to contact and log in to Rias on our contact page.
