Or call our UK-based special advisors

0800 561 0712

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8.30am - 8pm Mon - Fri
8.30am - 4pm Saturday

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Car insurance FAQs

Read our most frequently asked car insurance questions.

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No Claims Discount

At RIAS we offer a generous no claims discount. A no claims discount keeps track of the years that you haven’t claimed on your car insurance. At RIAS, if you have 9 or more years no claims, you could get an 80%* no claims discount.

If you are taking out a new car insurance policy with us, we’ll need proof of your existing no claims discount, which can be provided by your existing insurer. Please send these details to us within 10 days of buying your new policy.

 

No Claims Discount Protection

You could benefit from no claims discount Protection providing you have held insurance for the last 4 or more years without a claim. This benefit allows you to have up to 2 claims in 3 years without affecting your no claims discount.

 

Events beyond your control

Certain claims, such as repair of damaged windscreens and windows - will not affect your no claims discount. If you’re in an accident with an uninsured driver that wasn’t your fault, you would not lose your no claims discount. After all, we know these events are beyond your control.

When taking out your insurance policy, bear in mind that named drivers cannot build up a no claims discount. However, if they are involved in an accident, this can impact the main driver’s no claims discount - even if the main driver was not in the car at the time.

 

Uninsured driver promise

Your no claims discount will not be affected if you’re involved in an accident caused by an uninsured driver. To make sure we can validate your claim and prove you were not at fault, remember to collect as many details at the scene of the accident, including:

 

  • The name and contact details of the other driver
  • The make, model and registration number of the other vehicle
  • Contact details of any witnesses
  • Photographs of all vehicles involved, documenting the damage

 

After the accident, your no claims discount may be affected until all proof is validated.

To get your car insurance quote and find out more about your no claims discount, please use our online quote form or give our friendly team a call on 0800 561 0712.

 

* 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.