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Rias Insurance - Car and Home

Car insurance.

Recognised for excellent  customer service. That's Rias standard.

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Defaqto 5 Star rated. That's Rias standard.

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Courtesy Car included as standard**

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Buildings cover up to £1 million and contents cover up to £50,000 (can be increased up to £100,000).

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Petrol and diesel: how you can save money on fuel

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Rias Insurance - Car and Home

Car insurance.

Recognised for excellent  customer service. That's Rias standard. Find out more

Home insurance

Defaqto 5 Star rated. That's Rias standard. Find out more

Need to make a claim?

The quickest way for you to register a car or home claim is online , directly with your insurer, Ageas Insurance Ltd. Available 24/7, home claims include Accidental Damage, Escape of Water, Freezer Food, Loss or Theft of Personal Belongings and Storm Damage.

5 Star car and home insurance as rated by industry experts Defaqto

News and guides

Handy hints and guides to help with the topics that matter to you.

Petrol and diesel: how you can save money on fuel

How much to spend preparing your house for sale

Winter Driving Tips

Recognised for our excellent level of customer service.

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HelloSafe » Car Insurance » Reviews by Car Insurance Companies » Rias Review

Rias Car Insurance Review

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Information verified by   Adeline Harmant

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.

Table of Contents

This is the ultimate review to guide you through Rias car insurance.

You might already know that Rias offers several car insurance policy options. Some are great, others not so much.

So if you want to get:

• Better value for money for your car insurance
• Indicative quotes
• Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Rias the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Rias car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Rias

Expert and customer reviews on Rias

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Rias's reputation.

To check if Rias is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email. No spamming, promise.

Our review on Rias car insurance policy

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.

What does Rias car insurance policy cover?

Are tpo, tpft and comprehensive covers available at rias.

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Rias explained in details

Let's find out what does Rias covers in its car insurance policy.

Breakdown cover at Rias

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.

Keycare cover at Rias

For a sum of £20.00 a year, Rias car insurance policy offers key protection to its customers. This protection comes with £1,500 of cover, including VAT and other services such as:

• reprogramming of alarms and the replacement security safe keys for safety purposes
• 24/7 assistance
• £75 a day for alternative means of transportation in the case that you are stranded as a result of a stolen or damaged key.

Windscreen cover at Rias

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 at Rias

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 policy injury available at Rias

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.

Coverage abroad at Rias

Rias’s abroad coverage is available and this coverage allows the holders to travel through Europe for about 90 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Rias

For £26.50 a year, the following are offered with the replacement cover provided by Rias:

• a hire car with a similar engine size of up to 2,000cc, for 21 days
• a hire car if the accident was the fault of the driver.

No-Claim Bonus (NCB) at Rias

The longer you go without making a claim, the larger the discount accrued. Every type of insurance policy (third party only, third party fire and theft, and fully comprehensive) can accumulate a no claims bonus.

The bonus accrued per year are as follows: One year NCB – 2% Two years NCB – 14% Three years NCB – 16% Four years NCB – 26% Five years NCB – 27% Six years NCB – 27% Seven years NCB – 30% Eight years NCB – 33% Nine years NCB or more – 37%

The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys.

At Rias, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claims in 3 years.

Good to know

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.

Rias car insurance terms and conditions

How much does rias car insurance cost.

You'll find below indicative car insurance quotes at Rias:

Costs of Rias insurance car policies vary widely based on different factors such as:

• The driver’s age
• The date on which they received their driving licence
• The type of car
• Expected repair costs if the car is damaged
• The performance, safety and security of the car
• The driver’s address and how busy the streets in the neighbourhood are
• Who drives the car (any additional driver on the policy)
• The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
• Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Rias?

Cashback vouchers are available for new customers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Rias car insurance policy summarized

Other car insurance policies available at rias, rias multi-car insurance.

The Multicar cover option is available for more than one car registered under the same address. For Rias, the multi cover insurance policy allows more than one car to be insured at different levels provided they are registered under the same address.

How to contact Rias auto insurance?

Rias phone numbers.

You will find all important phone numbers to contact Rias car insurance:

Rias other contact details

You'll find below Rias main contact details:

You can also contact them by mail by writing to Rias car insurance:

Rias Car Insurance Deansleigh House Deansleigh Road Bournemouth Dorset BH7 7DU

How to claim at Rias?

To make a car insurance claim, you can do it by calling Rias directly.

How to cancel your car insurance at Rias?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Rias as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Rias has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement .

You can also write to Rias to cancel your car insurance policy:

Rias Customer Services, Deansleigh House, Deansleigh Rd, Bournemouth, Dorset, BH7 7DU

You would need to have various documents ready such as:

• your policy number (right hand corner of your documents);
• your bank details; and
• your payment method in case there are cancellation fees.

Rias could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Reviews 1.3.

Most relevant

Ridiculous wait time to talk to an advisor.

Three attempts now to speak to an advisor. On every occasion, the wait time has been 30mins! It’s utterly shocking that companies think waiting on the phone for that long is acceptable, especially when you are working. If you need to be able to speak to someone, I would look elsewhere.

Date of experience : 14 June 2024

Mis-sold! Be careful if you consider taking out a policy as cancellation fees issued ! We took a policy out and were asked to provide evidence of our substantial no claims which we did only to be told they wouldn’t accept it as was being used on another policy. No claims is no claims regardless of how many insurance policies we have. Not paying any more so told them to cancel at which they issue a cancellation fee!!

Date of experience : 10 June 2024

This is a update I was meant to have a…

This is a update I was meant to have a manager phone me I am still waiting for a phone call and the customer service centre is a joke they lie to u on the phone

Date of experience : 30 May 2024

Appallingly bad service from NCB staff who obviously need to go to specsavers!!

Where do I start. I’ve purchased car insurance for 46 years with little irritations but by golly RIAS are the absolute pits. My husband has 10 years NCB up to last year when he retired. Staff at RIAS have some sort of ulterior motive because for over 10 days we have been bombarded that if we don't provide the correct letters we will be cancelled! Got in touch with SAGA and sent RIAS direct from SAGA to confirm exactly what was stated. Today we received yet another threatening email warning us that we have 2 days to provide the information that the youngish we talking woman requested on the phone??? Frustratingly bad and on looking at the reviews it is obvious the staff in the NCB cannot read legal information from an insurer. Everything is on the computer nowadays so not sure what RIAS are doing but they are not providing 1% customer service only 99% threats that the complaints team will know!

Date of experience : 13 May 2024

Utterly horrendous business with no…

Utterly horrendous business with no absolutely grasp of customer service whatsoever. Somewhere there has been an error claiming my car has 8 years NCD (all along I'd only claimed and confirmed it had 1). Then asked for proof of no claims which I duly sent (proof was the renewal from GoSkippy stating amongst other things 1 yr NCD). Then dragging it out so I was nearly outside of the 14 days distancde selling protection said the proof I'd sent was not good enough (proof clearly had 1 yr on it). Fortunately GoSkippy had kindly emailed a proof of NCD in the meantime so I sent this. Then after waiting to the days after 14 days protection ended emailed to say they have "discovered my actual NCD is 1 year" which I'd stated and proved all along. Now they want hundreds of extra pounds and are applying admin fees. I've now little choice to let them rob me of this money and cancel the insurance. Despite the robbing I'm receiving it is cheaper to cancel and go back to GoSkippy than pay what theyre demanding. Never again will I thouvh this company with a bargepole!!

Date of experience : 14 May 2024

Worst customer service I have ever experienced

Worst customer service I have experienced. Would not even give one star if I had the option. I insured my car with RIAS after seeing their acceptable quote on motor car insurance compare. I paid premium before the start date of policy and within a couple of days had a telephone call from them advising me that as I had given the wrong year of purchase of my car they they had to increase the premium by nearly £50. I had inadvertently put the purchase year as 2019 instead of 2022. Now has anyone ever had an increase of premium of nearly £50 beca use the year of purchase was 3 years out. Their reason was that as I had only had the car for 3 years I was not so experienced with driving it as I would have been if I had purchased the car in 5 years. They had the information from DVLA. If they did this check on me without having a claim, what would they do to avoid paying a claim if I had a bump. I told them that I wasn't in a position that I could trust them even if I paid the additional premium of £50 and cancelled the policy for which they charged me short term cover of nearly £30 for a few days cover. DON'T TOUCH WITH A BARGEPOLE IS MY ADVICE.

Date of experience : 05 May 2024

Go Elsewhere

I’ve used Rias for a couple of years now for building and contents insurance and my premiums have been much the same. I changed to ‘auto renewal’ last year and now, without any communication of my renewal or details of premium (due in 5 days time) they have already charged my card and the premium has doubled!! I have made no claims with them or any other insurance company for over 20 years. A quick check online shows I can obtain an identical/better policy for what I paid last year, so needless to say I have cancelled but they still get to keep my money for 3-5 days whilst they refund. Nice business model if you can get away with it.

Date of experience : 24 March 2024

I bought travel insurance which stated…that personal items were covered. I did not think that my laptop bag items were not personal

I bought travel insurance which stated all personal items are covered. My laptop bag with a very expensive laptop and some other items got stolen. I made a claim to RIAS and they deferred my claim to Taurus who declined my claim. I have been fleeced by RIAS insurance and therefore this review.

Date of experience : 18 February 2024

Massive Increase is Premium Year on Year.

Just had our house insurance renewed and it has gone up 117% on last year's cost. We were away on holiday when this happened and did not notice the large increase before it was actioned. Our fault, but how they can justify such an increase over last year without any claims against our policy in mind-blowing. We will be removing our business from RIAS in due course despite being a customer for many many years. Truely awful treatment by the company - be warned.

Date of experience : 13 February 2023

DO NOT BUY A RIAS POLICY - This is why...

It's only 1 star because I cant give less! We had the policy, we had a huge accident in the house, we made a claim and that's where the trouble started! RIAS were slow to react, caused additional damage through their MONTHS of delay. We made a complaint which their independently appointed solicitors upheld. Well over a year following the initial claim we finally settled. A week later RIAS wrote to us cancelling the policy. Then they had the nerve to charge a Policy Cancellation fee. None of this is emotion, it's pure fact - they are useless in every respect. They care for nothing except taking money from customers. They don't want to pay out on claims. They do everything possible to claw back tiny sums wherever they can. DO NOT BUY A POLICY FROM RIAS, you will be disappointed and have to fight for what is rightfully yours. Find an honest insurer instead.

Date of experience : 15 March 2024

Worst customer service I have…

Worst customer service I have experienced. Would not even give one star if I had the option. Waited 5 hours on live chat only to be disconnected, this was after I had held on the phone for god knows how long. Sent 5 emails as I only wanted a question answered, the only reply I received told me I had to call them. Would not recommend this company to anyone, buy your insurance elsewhere.

Date of experience : 13 February 2024

Profiteering or just theft?

Profiteering or just theft? Having been with RIAS for many many years I find that this year their parent company, Ageas, are gouging more profits from loyal customers than ever before. My house insurance has gone up by 300% from £287 to £839! When I challenged the quote they, unashamedly, say it is correct and is competative, but refuse to document any valid reasoning for such a rise. They obviously fail to understand what the word loyalty means.... goodbye and let's watch their share prices and company profit drop through the floor when others realise they are just part of a profiteering scam!

Date of experience : 05 December 2023

Insurance gone up 33% this year

Insurance gone up 33% this year. My parents have been with this company for years. My elderly and recently widowed mother can't afford the new quote. I rang up on her behalf and they said no discounts were available. I found a better policy with the AA for £100 cheaper. The moral is if you don't look after your long standing loyal customers they will leave.

Date of experience : 20 January 2024

Rias are Cowboys they won’t pay

Rias gave me a claim number after arguing about a storm which was one the worst storms we’ve had for 10 years then in the end closed the claim without explanation or contacting me Meanwhile I’d had the repair done and sent them the invoice. They don’t pay up and don’t give you a straight answer. Luckily I managed to get the price down from an original quote of £900 to £250 with a different supplier. I was trying to save Rias money and they didn’t pay anyway. What a bunch of muppets I’m closing my account and will go back to the Halifax Rias are cowboys

Date of experience : 14 February 2024

I have been with Rias home insurance…

I have been with Rias home insurance for almost 10 years never claimed before until we had storm Babet which damaged some part of my roof and when I claimed I was refused because according to their source we did not have winds that reach 55mph or rain that fell over 25ml in an hour. and the documents they sent out were changed from original. At moment I am left with damaged roof and waiting for Ombudsman to take this further. This company has caused me nothing but stress I would never recommend it... KEEEEEP AWAY from such rip off company

Date of experience : 20 October 2023

Avoid at all costs

Received an email yesterday advising car insurance would be automatically renewed, even though we did not ask for this regarding it as inertia selling. Tried to ring Rias but gave up after 25 minutes. Sent 3 emails, non of which have been answered. Have contacted bank to ensure Rias cannot access direct debit and have gone back to LV who never gave us this hassle!

Date of experience : 15 September 2022

Completely inflexible

Completely inflexible. My premium increased by over 50%. They would not even listen to matching quotes from competitors or even rewarding loyalty. I appear to be joining an extremely long list of dissappointed customers. Perhaps the insurance ombudsman might take a look at their sharp practises.

Date of experience : 07 March 2024

Was with Rias Home insurance for…

Was with Rias Home insurance for several years until they hiked up my premium so left. Went back to them this year because the quote and cover was excellent. Just had my renewal notice for next year and they've increased my premium by 47%. £80 Rediculous increase (No claims made). Will find someone else for 2023/24

Date of experience : 08 November 2023

Easy to buy but hard to cancel

Update 16.3.22 After a bit of to and fro, when they initially denied getting my email, RIAS has finally refunded my entire premium. I have amended my stars accordingly. I bought insurance from RIAS online. However, when i received the link to the documents, I discovered that despite taking out accidental loss, the buildings insurance did not cover storm damage to fences and sheds. I therefore asked them to cancel immediately. I'm waiting to hear the response. Will update when i have had a reply. I couldn't contact them by phone as my mobile signal was out.

Date of experience : 18 February 2022

Awful, I looked at the wrong bit of…

I looked at the wrong bit of Trustpilot, not the travel insurance and it looked good. They have taken my money but I am unable to log on to get documents. Phoned a contact number which takes you to Axa parent company who have no knowledge of the reference number. I emailed and the email didn't get there, ie sent back. So no way to contact, no way to cancel and no insurance document. A nightmare... updated this morning...spoke to helpful person who has sorted it, same phone number as yesterday, not redirected this time?!

Date of experience : 17 April 2023

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By providing you with all the tools and contact details needed to raise and manage your complaint, we put you firmly in control of your issue.

Head Office address

Phone number: 0345 125 2455.

Please check with your phone provider if you are unsure about how much a call will cost.

Using Resolver you can:

• Keep all your correspondence in one place
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• Package up and send off the whole history of your complaint to an ombudsman or other regulatory body if necessary

Need help complaining?

Resolver is a totally free service that you can use to complain effectively. We are working with industry leaders, regulators and government to make your voice heard and improve customer service. However, if you'd rather complain directly, you can use the above address to contact RIAS.

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Reviews 1.3.

Most relevant

Ridiculous wait time to talk to an advisor.

Three attempts now to speak to an advisor. On every occasion, the wait time has been 30mins! It’s utterly shocking that companies think waiting on the phone for that long is acceptable, especially when you are working. If you need to be able to speak to someone, I would look elsewhere.

Date of experience : June 14, 2024

Mis-sold! Be careful if you consider taking out a policy as cancellation fees issued ! We took a policy out and were asked to provide evidence of our substantial no claims which we did only to be told they wouldn’t accept it as was being used on another policy. No claims is no claims regardless of how many insurance policies we have. Not paying any more so told them to cancel at which they issue a cancellation fee!!

Date of experience : June 10, 2024

This is a update I was meant to have a…

This is a update I was meant to have a manager phone me I am still waiting for a phone call and the customer service centre is a joke they lie to u on the phone

Date of experience : May 30, 2024

Appallingly bad service from NCB staff who obviously need to go to specsavers!!

Where do I start. I’ve purchased car insurance for 46 years with little irritations but by golly RIAS are the absolute pits. My husband has 10 years NCB up to last year when he retired. Staff at RIAS have some sort of ulterior motive because for over 10 days we have been bombarded that if we don't provide the correct letters we will be cancelled! Got in touch with SAGA and sent RIAS direct from SAGA to confirm exactly what was stated. Today we received yet another threatening email warning us that we have 2 days to provide the information that the youngish we talking woman requested on the phone??? Frustratingly bad and on looking at the reviews it is obvious the staff in the NCB cannot read legal information from an insurer. Everything is on the computer nowadays so not sure what RIAS are doing but they are not providing 1% customer service only 99% threats that the complaints team will know!

Date of experience : May 13, 2024

Utterly horrendous business with no…

Utterly horrendous business with no absolutely grasp of customer service whatsoever. Somewhere there has been an error claiming my car has 8 years NCD (all along I'd only claimed and confirmed it had 1). Then asked for proof of no claims which I duly sent (proof was the renewal from GoSkippy stating amongst other things 1 yr NCD). Then dragging it out so I was nearly outside of the 14 days distancde selling protection said the proof I'd sent was not good enough (proof clearly had 1 yr on it). Fortunately GoSkippy had kindly emailed a proof of NCD in the meantime so I sent this. Then after waiting to the days after 14 days protection ended emailed to say they have "discovered my actual NCD is 1 year" which I'd stated and proved all along. Now they want hundreds of extra pounds and are applying admin fees. I've now little choice to let them rob me of this money and cancel the insurance. Despite the robbing I'm receiving it is cheaper to cancel and go back to GoSkippy than pay what theyre demanding. Never again will I thouvh this company with a bargepole!!

Date of experience : May 14, 2024

Worst customer service I have ever experienced

Worst customer service I have experienced. Would not even give one star if I had the option. I insured my car with RIAS after seeing their acceptable quote on motor car insurance compare. I paid premium before the start date of policy and within a couple of days had a telephone call from them advising me that as I had given the wrong year of purchase of my car they they had to increase the premium by nearly £50. I had inadvertently put the purchase year as 2019 instead of 2022. Now has anyone ever had an increase of premium of nearly £50 beca use the year of purchase was 3 years out. Their reason was that as I had only had the car for 3 years I was not so experienced with driving it as I would have been if I had purchased the car in 5 years. They had the information from DVLA. If they did this check on me without having a claim, what would they do to avoid paying a claim if I had a bump. I told them that I wasn't in a position that I could trust them even if I paid the additional premium of £50 and cancelled the policy for which they charged me short term cover of nearly £30 for a few days cover. DON'T TOUCH WITH A BARGEPOLE IS MY ADVICE.

Date of experience : May 05, 2024

Go Elsewhere

I’ve used Rias for a couple of years now for building and contents insurance and my premiums have been much the same. I changed to ‘auto renewal’ last year and now, without any communication of my renewal or details of premium (due in 5 days time) they have already charged my card and the premium has doubled!! I have made no claims with them or any other insurance company for over 20 years. A quick check online shows I can obtain an identical/better policy for what I paid last year, so needless to say I have cancelled but they still get to keep my money for 3-5 days whilst they refund. Nice business model if you can get away with it.

Date of experience : March 24, 2024

I bought travel insurance which stated…that personal items were covered. I did not think that my laptop bag items were not personal

I bought travel insurance which stated all personal items are covered. My laptop bag with a very expensive laptop and some other items got stolen. I made a claim to RIAS and they deferred my claim to Taurus who declined my claim. I have been fleeced by RIAS insurance and therefore this review.

Date of experience : February 18, 2024

Massive Increase is Premium Year on Year.

Just had our house insurance renewed and it has gone up 117% on last year's cost. We were away on holiday when this happened and did not notice the large increase before it was actioned. Our fault, but how they can justify such an increase over last year without any claims against our policy in mind-blowing. We will be removing our business from RIAS in due course despite being a customer for many many years. Truely awful treatment by the company - be warned.

Date of experience : February 13, 2023

DO NOT BUY A RIAS POLICY - This is why...

It's only 1 star because I cant give less! We had the policy, we had a huge accident in the house, we made a claim and that's where the trouble started! RIAS were slow to react, caused additional damage through their MONTHS of delay. We made a complaint which their independently appointed solicitors upheld. Well over a year following the initial claim we finally settled. A week later RIAS wrote to us cancelling the policy. Then they had the nerve to charge a Policy Cancellation fee. None of this is emotion, it's pure fact - they are useless in every respect. They care for nothing except taking money from customers. They don't want to pay out on claims. They do everything possible to claw back tiny sums wherever they can. DO NOT BUY A POLICY FROM RIAS, you will be disappointed and have to fight for what is rightfully yours. Find an honest insurer instead.

Date of experience : March 15, 2024

Worst customer service I have…

Worst customer service I have experienced. Would not even give one star if I had the option. Waited 5 hours on live chat only to be disconnected, this was after I had held on the phone for god knows how long. Sent 5 emails as I only wanted a question answered, the only reply I received told me I had to call them. Would not recommend this company to anyone, buy your insurance elsewhere.

Date of experience : February 13, 2024

Profiteering or just theft?

Profiteering or just theft? Having been with RIAS for many many years I find that this year their parent company, Ageas, are gouging more profits from loyal customers than ever before. My house insurance has gone up by 300% from £287 to £839! When I challenged the quote they, unashamedly, say it is correct and is competative, but refuse to document any valid reasoning for such a rise. They obviously fail to understand what the word loyalty means.... goodbye and let's watch their share prices and company profit drop through the floor when others realise they are just part of a profiteering scam!

Date of experience : December 05, 2023

Insurance gone up 33% this year

Insurance gone up 33% this year. My parents have been with this company for years. My elderly and recently widowed mother can't afford the new quote. I rang up on her behalf and they said no discounts were available. I found a better policy with the AA for £100 cheaper. The moral is if you don't look after your long standing loyal customers they will leave.

Date of experience : January 20, 2024

Rias are Cowboys they won’t pay

Rias gave me a claim number after arguing about a storm which was one the worst storms we’ve had for 10 years then in the end closed the claim without explanation or contacting me Meanwhile I’d had the repair done and sent them the invoice. They don’t pay up and don’t give you a straight answer. Luckily I managed to get the price down from an original quote of £900 to £250 with a different supplier. I was trying to save Rias money and they didn’t pay anyway. What a bunch of muppets I’m closing my account and will go back to the Halifax Rias are cowboys

Date of experience : February 14, 2024

I have been with Rias home insurance…

I have been with Rias home insurance for almost 10 years never claimed before until we had storm Babet which damaged some part of my roof and when I claimed I was refused because according to their source we did not have winds that reach 55mph or rain that fell over 25ml in an hour. and the documents they sent out were changed from original. At moment I am left with damaged roof and waiting for Ombudsman to take this further. This company has caused me nothing but stress I would never recommend it... KEEEEEP AWAY from such rip off company

Date of experience : October 20, 2023

Avoid at all costs

Received an email yesterday advising car insurance would be automatically renewed, even though we did not ask for this regarding it as inertia selling. Tried to ring Rias but gave up after 25 minutes. Sent 3 emails, non of which have been answered. Have contacted bank to ensure Rias cannot access direct debit and have gone back to LV who never gave us this hassle!

Date of experience : September 15, 2022

Completely inflexible

Completely inflexible. My premium increased by over 50%. They would not even listen to matching quotes from competitors or even rewarding loyalty. I appear to be joining an extremely long list of dissappointed customers. Perhaps the insurance ombudsman might take a look at their sharp practises.

Date of experience : March 07, 2024

Was with Rias Home insurance for…

Was with Rias Home insurance for several years until they hiked up my premium so left. Went back to them this year because the quote and cover was excellent. Just had my renewal notice for next year and they've increased my premium by 47%. £80 Rediculous increase (No claims made). Will find someone else for 2023/24

Date of experience : November 08, 2023

Easy to buy but hard to cancel

Update 16.3.22 After a bit of to and fro, when they initially denied getting my email, RIAS has finally refunded my entire premium. I have amended my stars accordingly. I bought insurance from RIAS online. However, when i received the link to the documents, I discovered that despite taking out accidental loss, the buildings insurance did not cover storm damage to fences and sheds. I therefore asked them to cancel immediately. I'm waiting to hear the response. Will update when i have had a reply. I couldn't contact them by phone as my mobile signal was out.

Date of experience : February 18, 2022

Awful, I looked at the wrong bit of…

I looked at the wrong bit of Trustpilot, not the travel insurance and it looked good. They have taken my money but I am unable to log on to get documents. Phoned a contact number which takes you to Axa parent company who have no knowledge of the reference number. I emailed and the email didn't get there, ie sent back. So no way to contact, no way to cancel and no insurance document. A nightmare... updated this morning...spoke to helpful person who has sorted it, same phone number as yesterday, not redirected this time?!

Date of experience : April 17, 2023

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