Rias

Why RIAS?

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  • Our car insurance comes with an Uninsured Driver Promise*. So if you’re involved in an accident with an uninsured driver that’s not your fault, your no claims discount won’t be affected nor will you have to pay an excess.
  • Courtesy car included as standard when your vehicle is being repaired by an approved repairer.
  • 5 Star rated cover and benefits as awarded by financial information business Defaqto.

Benefits

Our car insurance benefits include:

  • Courtesy car included as standard - Keep on the move while your car is being repaired by an approved repairer.
  • Windscreen cover - so if your windscreen is damaged we’ll cover the cost of repairing or replacing your windscreen or any window glass in the car (limits apply).
  • 24/7 access - To a UK-based claims service that’s available 365 days a year.
  • UK based - Specialist, dedicated advisors are available from UK-based call centres.
  • Manage your policy online – with no administration charges.

Optional extras

Breakdown insurance

Don’t get stranded in the middle of nowhere, stuck on the motorway hard shoulder, or at home with a car that just won’t start. We offer 3 different levels of competitively priced breakdown cover to enable you to choose the one that best meets your needs and budget.

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Legal expenses

Taking legal advice can expensive

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Excess protection

A sudden excess payout can be a shock to the bank balance.

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Replacement car cover

What would you do if your car was written off or stolen and unrecovered?

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Key protection

Key Protection offers you up to £1,500 (inc. VAT) of cover for your home, car, office and security safe keys if they are lost, stolen or broken in the lock. It also covers reprogramming of alarms and immobilisers and lock and key replacements. Alternative transport is available, if agreed with the claims line first. This is an enhancement to the existing key cover included in your main home insurance policy.

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Existing customers

FAQs

Read our most frequently asked questions

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Policy documents

Latest versions of our policy documents

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  • Why RIAS?

  • Benefits

  • Optional Extras

  • 80% Discount for 9-years' No Claims

    Our car insurance comes with an Uninsured Driver Promise*. So if you’re involved in an accident with an uninsured driver that’s not your fault, your no claims discount won’t be affected nor will you have to pay an excess.

  • 80% Discount for 9-years' No Claims

    Courtesy car included as standard when your vehicle is being repaired by an approved repairer.

  • 5 star Defaqto Rating 2014

    5 Star rated cover and benefits as awarded by financial information business Defaqto.

Our car insurance benefits include:

  • Courtesy car included as standard - Keep on the move while your car is being repaired by an approved repairer.
  • Windscreen cover - so if your windscreen is damaged we’ll cover the cost of repairing or replacing your windscreen or any window glass in the car (limits apply).
  • 24/7 access - To a UK-based claims service that’s available 365 days a year.
  • UK based - Specialist, dedicated advisors are available from UK-based call centres.
  • Manage your policy online – with no administration charges.

For full details of our cover please read our policy wording.

Breakdown Insurance from only £40.00 per year

Peace of mind is vital while you’re on the road: the last thing you want is to get stuck in the middle of nowhere after your vehicle suffers a mechanical failure. That’s why we have put together three different levels of breakdown cover to help you secure a policy that offers you security while still sticking to your budget. Whichever policy you choose however, you’ll benefit from our network of breakdown specialists who are available 24hrs a day, 365 days a year.

Level One - Roadside Assistance

  • Provides rapid repair and recovery to the nearest garage, 24 hours a day, 365 days per year.

Level Two - Comprehensive Gold

In addition to Roadside Assistance this covers:

  • If you travel around the UK on a regular basis, this package offers excellent all-round protection for both local and long-distance journeys.

Level Three - Total Protection

In addition to Comprehensive Gold this covers:

  • European motoring for trips of up to 31 days each for vehicles up to 10 years old.

For full details please read our policy wording.

Legal Expenses only £29.60 per year

Taking legal advice can be expensive but is often vital in the case of disputed incidents. RIAS legal expenses cover provides:

  • Up to £100,000 to assist in recovering losses you are not insured for.
  • The ability to claim for Personal injury and compensation for damaged belongings following a car accident that was not your fault.
  • Contract disputes, vehicle cloning cover and defence of motor prosecutions.

For full details please read our policy wording.

Excess Protection only £30.00 per year

Make sure you’re not out of pocket in the event of an accident – with excess protection cover your excess can be reimbursed up to £300 in the event of a claim which is deemed your fault.

  • Includes road traffic accidents, malicious damage, fire and theft.

For full details please read our policy wording.

Replacement Car Cover only £26.50 per year

What would you do if your car was written off or stolen and unrecovered? With Replacement Car Cover you would still be able to carry on uninterrupted. This cover provides you with:

  • A hire car of a similar engine size up to 2,000cc will be provided for up to 21 continuous days.
  • The hire car would be dropped off and picked up from any UK registered address.

Please note: The provider of the replacement car cover is provided by Auxillis Limited formerly known as Albany Assistance Limited

For full details please read our policy wording.

Key Protection only £20.00 per year

Key Protection offers you up to £1,500 (including VAT) of cover for your home, car, office and security safe keys if they are lost, stolen or broken in the lock. It also covers reprogramming of alarms and immobilisers and lock and key replacements. Alternative transport is available, if agreed with the claims line first. This is an enhancement to the existing key cover included in your main home insurance policy.

  • One policy covers all your home, car and office keys within the home.
  • No excess to pay and no effect on your no-claims discount.

For full details please read our policy wording.

* Providing the accident was not your fault, you will not lose your no claims discount or have to pay an excess if hit by an uninsured driver. However, we will need the make, model and registration number of the uninsured vehicle
** 9 out of 10 new RIAS customers who purchased car insurance between 1st January 2016 and 30th June 2016 would have been eligible for this discount. Smaller discounts apply if you have less than 9 years no claims. Minimum premiums apply.