Car insurance FAQs

  • How can I pay for my car policy? 

    There are a number of options. Annual premiums can be paid by credit card, cheque, debit card or 'Maestro'. You can also choose to set up a Direct Debit, to ensure regular yearly renewal although we will need to take the first month’s deposit before we can set up cover. For full details, ask our fully trained staff on freephone 0800 561 0712.

  • What should I do if I wish to make a claim?

    Our claims lines are open every day, 365 days of the year. Our friendly operators will be there to assist and advise you. Your claim number is printed on the policy summary as well as your policy book.

  • What should I do if I wish to make a complaint?

    We aim to deliver a high standard of service at all times but should you ever have a reason to complain please go to our complaints page.

  • What should I do if I want to cancel my policy?

    If you are not satisfied with your policy, you have 14 days from receipt of your policy documents to cancel it. To cancel, please call 0345 650 0345. You can still cancel your policy after this 14-day period - full details can be found in your policy booklet (which you receive after you take out the policy).

  • I have been a named driver on someone else's policy for many years, therefore am I entitled to a no claims discount if I start my own policy?

    No, unfortunately you are not. However, if you are named on your spouse's car insurance, we may be able to offer you an introductory bonus.

  • In the event of an accident, do you offer a courtesy car?

    Yes, a courtesy car will be provided whilst your car is being repaired by your individual insurer's selected garage. We also offer Replacement Car cover as an optional extra.

  • Does my policy cover me to drive other cars?

    Our policies differ depending on customer requirements, so you should check your Certificate of Motor insurance to see if you are covered.

  • What must I do if my circumstances change during the period of insurance?

    Please email us if your circumstances change or call 0345 650 0345.

  • How does a claim affect my no claims discount (NCD)?

    Every claim is reviewed and it is down to the underwriter of your insurance to calculate the effect the claim will have on your NCD. You can protect your NCD, and it will also enable you to claim for a set amount of accidents without seeing a loss or reduction to your NCD.

  • When do I get my Certificate of Motor Insurance?

    Your Certificate of Motor Insurance will be issued straight away.

  • Am I insured to drive abroad?

    Yes, your existing cover already provides you with up to 90 days travel within the EU. If you wish to extend this, or to travel outside the UK or EU, please contact us.

  • Can I switch to RIAS before my renewal date?

    Yes, you can even claim back any cancellation fees charged by your current insurance provider up to the value of £75. T&C’s apply.

  • Can RIAS take into account that I have driven a company car for a number of years?

    Unfortunately we are unable to take into account that you have driven a company car for a number of years online. However, we may be able to do this over the phone. So please call us on 0800 561 0712 to speak to one of our advisors.

  • What if I need to make a change to my 2 year fixed price insurance policy?

    If you make a change to the policy during the year or if Insurance Premium Tax changes then the price may be adjusted to reflect this either at the time of change or at next renewal.  If the change is made during the first year the new annual price will remain fixed at next renewal unless further changes are made. 

  • Am I tied to RIAS insurance for the 2 years I have a fixed price?

    No. You have a pricing commitment from us for 2 years, but you're not tied to us. You will still be invited to renew every year and can choose to not renew the policy if you wish. You can also cancel the policy at any time outside of renewal, although an administration fee for cancellation will apply.

  • Are there circumstances when my 2 year fixed price insurance price won’t stay fixed? 

    • If you make a claim on the policy or receive a motoring conviction (this will only effect your motor policy) the next renewal premium may be adjusted and the fixed price offer will end.                                                                                                                                                                                                                         • If the rate of Insurance Premium Tax changes during the first year of your policy, your first renewal will be adjusted to reflect the amount of this change.                                                                                                                                                                                                                                                                               • If you hold additional optional covers (such as Legal Protection or Key Protection for example) and the price of these covers change during your first year this change in price will be reflected in your first renewal.                                                                                                                                                                                                                                                                                                                                         • If you make a change to the cover, for example you move house or add or remove cover, the price will be recalculated to reflect this. This new annual renewal price will then stay fixed for the remainder of the 2 year fixed period, unless further changes are made, where the price will be recalculated each time.  

  • Are all of your home and motor insurance policies fixed for 2 years?

    No.  Subject to qualifying criteria customers have a choice as to whether they would prefer to take a 2 year fixed price or a 1 year price.  The prices for these schemes will differ and you are free to choose the option that is best for you. The 2 year fixed price offer is not available for policies quoted or sold through price comparison websites. For details of qualifying criteria read our terms and conditions.

  • Insurance Premium Tax (IPT) is rising in October 2016 by 0.5%, how will this affect my fixed price?

    The offer excludes rises in IPT therefore the price of your policy will increase to reflect this. This will add £0.50 every £100 of premium payable, or £1 to a £200 premium.