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Car insurance as it should be

Defaqto 5 Star rated cover

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We are currently experiencing a temporary issue with our services. Please try again later. If you need to make a claim, please visit online claims.

Optional extras for added peace of mind

Breakdown cover, from £36.00 a year

Motor Legal Protection from only £21.75 a year

Replacement Car cover only £25.15

We're rated highly on Trustpilot

Home insurance

Defaqto 5 Star rated cover. Get a quote in minutes to see what you could save.

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Travel Insurance

Our gold and platinum levels of cover are 5 Star rated by the experts at Defaqto.

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Existing customers

Help & support

Looking for help with your policy, a quick answer to a query or you just need to get in touch with us, visit our help hub.

Manage your account

Claims

Do you need to make a claim or manage an existing claim? Log into the e-claims hub to register a new claim or get an update.

Make a claim

No Claims Discount

If you need to send us your No Claims Discount (NCD), here's a quick summary of what we need and the best way to send it.

Find out more

What’s covered with Rias car insurance

Rias	Included
Courtesy car
Onward travel promise
Child car seat
Wrong fuel cover
Driving in the EU (90 days cover)
Uninsured driver promise
Audio, satnav and entertainment equipment
Accidental or malicious damage, or vandalism
Lifetime guarantee on repairs made by our approved repairers
Windscreen repairs (by our approved repairers)
Windscreen replacement (by our approved repairers)
Fire, theft and attempted theft
Personal accident cover
Personal belongings
Medical expenses
Replacement locks and keys
No claims discount protection	Optional
RAC breakdown cover	Optional
Legal expenses cover	Optional
Replacement car cover	Optional

We're here to support you

If you’re finding things challenging, we have resources to help:

Policy help for questions and support with managing your policy.

Communication preferences to ask that we communicate with you in different formats, such as large print or braille.

Financial support if you're struggling to keep up with payments.

You can also visit our support page or chat to us anytime.

Chat online

News & guides

From handy hints to the latest updates – stay in the loop with the topics that matter to you.

Friday, 28 February 2025

How to protect yourself from phone scams

Monday, 23 December 2024

Winter Car Maintenance

Thursday, 23 January 2025

Flood & Freeze: What is covered by your insurance policy

Yes, you'll be given a courtesy car while your car is being repaired by an approved repairer. We also offer replacement car cover as an optional extra.

The possibility of driving other cars under your car insurance policy depends on your individual requirements and cannot be added for an additional charge.

If you already have a policy with us and would like to know if you're covered to drive other vehicles, please check your Certificate of Motor insurance.

If you want to get a car insurance quote and would like to know whether driving other cars is included, please call us or contact us via Live chat.

The United Kingdom (UK) left the European Union (EU) on 31st January 2020 with a Withdrawal Agreement and subsequently entered into a transitional period which ended on 31st December 2020.

Since the UK Government announced the confirmation of a trade deal at the end of 2020, anyone wishing to drive their vehicle outside of the UK from the 1st January 2021, had been required to carry a Green Card.

The European Commission has announced that with effect from the 2^nd August 2021, UK drivers will no longer be required to carry Green Cards when driving their vehicle in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland. Please note that a Green Card may still be required to drive in other countries, including: Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey and Ukraine. For more information, please visit: https://www.gov.uk/vehicle-insurance/driving-abroad.

A Green Card is an International Motor Insurance Certificate which evidences that your current insurance policy provides the necessary minimum level of cover for driving in the EU country you are travelling to or through. While we await further details, it is best to carry your Green Card for all journeys to the EU or EEA. In addition to the basic cover which the Green Card gives you, your insurance policy provides you with full insurance cover for up to 90 days.

You can find more information on our Driving in Europe page.

We'll get in touch with you if we need to see proof of your No Claims Discount (NCD). If we've already contacted you, you can provide your proof of No Claims Discount by uploading it in your online account. Just so you know, if we ask you for proof of your No Claims Discount, you’ll need to send it to us within 14 days of purchase, otherwise we’ll have to cancel your policy and won’t be able to restart cover for you.

What to do

Once you're logged in, click ‘upload documents’. You can add your No Claims Discount file here, which will be sent to us to review.

If you haven't registered for an account yet, you can create your account here.

Alternatively, you can post your proof of No Claims Discount to the following address:

Rias
Deansleigh House, Deansleigh Road
Bournemouth BH7 7DU

Note: Please do not send your proof of NCD to any other postal address, as this may mean we are unable to process it or start your policy.

Once we’ve received your proof we'll then contact you to confirm it is acceptable or let you know if we need any more information.

What we accept

The documents we accept as proof of your No Claims Discount will have to be either a renewal invitation, a cancellation letter or a Proof of No Claims Discount letter from your previous insurer. Whichever option you go for, the document you submit to us will need to include:

A letterhead that clearly identifies your previous insurer
Your previous policy number
Your previous policy expiry date
Your name
Your No Claims Discount in years

The document you upload through your account can be in a variety of formats, including Microsoft Word, PDF, or a photo in the following formats: GIF, PNG, JPG, JPEG and JPE. Just make sure your document is less than 3MB.

You can send original copies, photos or screenshots, as long as we can see the whole document. Please send all pages on any letters you are using for proof. We’re happy to accept your proof as a single file.

Yes, you can even claim back any cancellation fees you're charged by your current insurance provider, up to the value of £75. Terms and conditions apply.

No – cover on your old car will end as soon as the cover on your new car begins. If you’d like to keep your old car insured after you pick up your new car, you can add it to your policy as a temporary vehicle at an extra cost.

There could be a few reasons you have an outstanding balance on your account, such as the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car or home online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

Yes, you can easily make a payment online if there is an outstanding balance on your car or home account. Just log in to your online account and click ‘Pay outstanding balance’ and we will guide you through the process.

For Rias Car and Home insurance customers, yes it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we will guide you through the process.

For Rias travel insurance customers, simply log into your online account where you can make the changes. You can also email service@rias-travel.co.uk or contact us.

†We'll pay to drain and flush your fuel tank as well as cover any damage to your engine if you accidently put the wrong type of fuel into your car. Replacement fuel costs are not covered.

^Rias Car Insurance is provided by Ageas Insurance. Ageas Insurance paid 99.6% of car claims (Aug 23 – Jul 24)

*Rias is part of Ageas Insurance. Ageas are one of the UK’s largest car insurers, providing insurance to over 4 million customers in the UK to protect their cars, home, travel and business.

Defaqto 5 Star rated cover for your car

Defaqto 5 Star rated cover that's packed with benefits

Choose from three levels of Defaqto rated cover

Car insurance as it should be

We are currently experiencing a temporary issue with our services. Please try again later. If you need to make a claim, please visit online claims.

Optional extras for added peace of mind

Breakdown cover, from £36.00 a year

Motor Legal Protection from only £21.75 a year

Replacement Car cover only £25.15

We're rated highly on Trustpilot

Home insurance

Travel Insurance

Existing customers

Help & support

Claims

No Claims Discount

What’s covered with Rias car insurance

We're here to support you

If you’re finding things challenging, we have resources to help:

News & guides

How to protect yourself from phone scams

Winter Car Maintenance

Flood & Freeze: What is covered by your insurance policy

Frequently asked questions about our car insurance

If I have an accident, will I get a courtesy car?

Does my policy cover me to drive other cars?

Am I covered to drive in Europe?

How do I provide my proof of No Claims Discount?

Can I switch to Rias before my renewal date?

If I change my car and update my policy, will my old car still be insured for a short time?

Why do I have an outstanding balance message on my account?

My policy has been cancelled, but I have an outstanding balance on my account.

Can I make a payment online?

Can I change my address online?

Defaqto 5 Star rated cover for your car

Defaqto 5 Star rated cover that's packed with benefits

Choose from three levels of Defaqto rated cover

Car insurance as it should be

We are currently experiencing a temporary issue with our services. Please try again later. If you need to make a claim, please visit online claims.

What does Rias cover include?