RIAS Travel Insurance Review and Quotes
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Discover the methodologyIt might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.
Are you aware of this and are here to know whether RIAS is the right company to go on holidays with?
In this definitive RIAS review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!
Is RIAS the best travel insurance for you?
Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.
At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into RIAS travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.
4,2 Safe overall rating for RIAS
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
High customer satisfaction rate of 4.4/5 on TrustPilot | |
| Cover provided |
Policy available across only one level of cover | |
| Value for money |
Reasonably priced premiums | |
| Financial strength | RIAS is a trading name of Ageas Retail Limited which is authorised and regulated by the Financial Conduct Authority | |
| Technology |
Online quote generation |
RIAS travel insurance reviews by expert and consumers
| Review organisation | RIAS travel insurance reviews |
|---|---|
| Defaqto expert | 5 |
| TrustPilot | 4,4/5 based on more than 3.6K opinions |
To check if RIAS is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.
Find the best travel insurance in just a few seconds!
What does RIAS travel insurance cover?
RIAS travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.
RIAS's travel insurance policies are available for individuals, couples, groups and families.
RIAS single-trip and annual multi-trip travel insurances
| Single and annual multi-trip days and age limits at RIAS | |
|---|---|
| Maximum days per trip | Single Trip: 150 days |
| Maximum age limit | Single Trip: No age limit |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at RIAS:
Policy name | Standard |
|---|---|
| Defaqto expert rating | 5 |
| Excess (if not stated) | £50 |
| Medical expenses | £10M |
| Trip cancellation / curtailment | £5,000 |
| Delayed departure 12 hours | £20 |
| Delayed departure max | £100 |
| Baggage & belongings | £2,000 |
| Money including cash | £750 |
| Repatriation | £10M |
| Personal liability | £2M |
| Personal accident (excess £0) | £25,000 |
| Legal expenses (excess £0) | £25,000 |
| Hospital benefit (excess £0) | £500 |
| Accommodation cover | £5,000 |
| Pet care (excess £0) | £200 |
| SAFI* | £1,500 |
| Medical screening | x |
| Cruise cover | x |
| Winter sports | Optional |
| Golf Cover | Optional |
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RIAS winter sports travel insurancet
The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.
Optional Winter Sports Cover is available at RIAS and it comes with the following benefits:
- Up to £500 for winter sports equipment that you own
- Up to £500 for winter sports equipment that you hired
- Up to £300 replacement winter sports equipment hire
- Up to £300 ski pack cover
- Up to £300 piste closure cover
- Up to £300 avalanche cover.
What are the other travel insurance options available at RIAS?
| Travel insurance options at RIAS | |
|---|---|
| RIAS golf cover | Optional Golf Cover is available at RIAS and it comes with the following benefits:
|
| RIAS business cover | Optional Business Travel Cover is not available however, you may still be covered under the Single or Annual Multi Trip policies if you choose to travel for business. |
| RIAS cruise cover | Not Available |
| RIAS gadget cover | Not Available |
| RIAS other extras | Excess Waiver Cover is also available as an upgrade. |
Watch out!
Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call RIAS before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.
How much is RIAS travel insurance?
You'll find below indicative quotes per level of cover at RIAS:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at RIAS:
Policy name | RIAS |
|---|---|
| Price - 7 days trip - 30 years old - Europe | £11.58 |
| Price - annual policy - 30 years old - Europe | £42.20 |
| Price - 7 days trip - 65 years old - Europe | £19.45 |
| Price - annual policy - 65 years old - Europe | £74.27 |
| Price - 7 days trip - 30 years old - USA | £51.54 |
| Price - annual policy - 30 years old - USA | £116.89 |
| Price - 7 days trip - 65 years old - USA | £94.85 |
| Price - annual policy - 65 years old - USA | £185.87 |
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It is, however, quite difficult to give precise price ranges as RIAS travel insurance policy quotes will depend on a range of factors such as:
- Your age at the time of travelling
- The length of your stay
- Your trip destination (Europe, North America, Worldwide)
- The period you wish to be covered for (single trip, annual multi-trip, extension)
- If you need specific insurance (cruise, ski, backpackers, gadget cover)
- Your medical condition before travelling
- Who is travelling with you (on your own, as a couple, as a family).
Can I get travel insurance discounts or promo codes at RIAS?
No discounts mentioned on RIAS's website.
Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at RIAS.
What else should I know about RIAS travel insurance?
What are the general exclusions at RIAS travel insurance?
To be eligible for a travel insurance policy at RIAS:
- You must be a resident of the UK and have been for the previous 6 months prior to purchase of policy
- Your trip must start and end in the UK
- You must be registered with the medical practitioner in the UK
- For couples and family policies, all adults must live at the same address
- You must not be travelling against your government's travel advice
- You must disclose any pre-existing medical condition you have.
How do I get travel insurance quote from RIAS?
Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If RIAS is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.
Good to know
Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.
How do I log in to RIAS website?
Through the customer portal, you can view your policy documents, change personal details such as addresses or payment methods, and renew your policy. You can access the customer portal by clicking on 'Existing Customers' button on the Homepage which will lead you to this page
How to claim at RIAS travel insurance?
Claims can only be done through calling the claims department
| How to claim on RIAS travel insurance? | |
|---|---|
| Claim by phone | 0345 415 0455 |
How do I contact RIAS travel insurance?
RIAS contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0345 045 1320 | Monday to Friday: 9am to 5pm |
| Legal Advice | 0344 893 9013 | Available 24/7 |
| Medical Emergency | +44 23 8064 4633 (France, Portugal, Spain, Greece and Italy) 011 44 23 8064 4633 (USA and Canada) | Available 24/7 |
| Claims | 0345 415 0455 | Available 24/7 |
RIAS other contact details
| Contact details | |
|---|---|
| Address | RIAS Travel Insurance |
| [email protected] |
How to cancel your annual RIAS travel insurance policy?
You will find below main information to cancel your travel insurance policy at RIAS:
| How to cancel RIAS travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | £0 |
| Cancellation fees outside cooling off period | No refund |
| Cancel by email | [email protected] |
| Cancel by phone | 0345 234 0008 |
Our opinion on 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.
