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Car insurance FAQs

Read our most frequently asked car insurance questions.

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Car Insurance Excess Protection

At RIAS we like to ensure that our policyholders do not have to pay out unnecessarily in the event of an accident. That’s why RIAS car insurance has introduced excess protection: which is designed to cover you in the event that the costs of your excess, up to £300, are not covered by a third party for up to two claims per year. This is an optional car insurance extra meant to provide further peace of mind.


Why choose excess protection?

A car insurance excess is an amount that the policyholder must pay towards an insurance claim. So, for example, if you make a successful insurance claim of £300 and you have a £100 excess, then you would pay the first £100 and the insurer would cover the remaining £200.

It is possible to reduce excess costs based on paying higher premiums: while lower premiums will usually mean your excess increases.

However, with excess protection you will have the chances to recover your excess up to £300 – meaning you won’t be out of pocket in the event that a claim is necessary. In addition, with excess protection your excess will be covered in a variety of situations when no claim can be made from the third party, including:

  • If the third party has driven off

  • If the third party is uninsured and you haven’t obtained any of the third party details

  • If the car has been stolen

  • If the accident was your fault

Find out more

Full details of the RIAS car insurance excess protection option, including full terms and conditions, can be found in our car insurance policy booklet. You can also call us on 0800 561 0712 to speak to one of our advisors.