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Make a home insurance claim

At RIAS we’re dedicated to ensuring that our insurance provides total peace of mind for our customers. That's why you have access to a 24/7 UK-based claims service, who will deal with your claim as quickly as they can.

For home insurance call 0345 122 3281

UK-based call centre open 24 hours, 7 days a week.

If you've added an optional extra to your home insurance policy, these are the contact numbers you'll need:


For Legal Expenses claims call 0345 841 0018

For Key Protection call 0345 604 1034

For Home Protection & Home Protection Plus call 0345 840 2730

For Identity Theft call 01444 442343

For Garden Secure call 0345 045 1328

For Broken Bones Cash Plan call 0345 045 0134

For Personal Accident cover call 0344 748 0103

There are a few simple steps when you make a home insurance claim:

Step 1

Please call 0345 122 3281.

Step 2

The claims team will take full details of the incident and confirm if you are covered. If your claim can be settled over the phone payment will be sent you within 5 working days.

Step 3

If your claim can't be settled over the phone it might be because:


The claims team require more information from you:
  • If you choose to use your own contractor all the claims team need is a written estimate that confirms the cause of the damage.
  • Once you have this please call the team back to see if they can settle the claim over the phone or need to have the estimate sent to them.

Please also read our tips on what to have to hand before you call.


Or, a loss adjuster or an approved supplier is required and will arrange to meet you. They will:
  • Contact you within 2 hours of receiving instruction from the claims team. 
  • Arrange an onsite inspection or collection of the damage property, in most cases within 3 working days of contacting you.
  • Provide the claims team with written confirmation of the outcome within 3 days of the inspection.

Before you call the home insurance claims team, if you can, try to make sure you have to hand:


  • Your policy details
  • Any reciepts
  • Confirmation of the cause of damage
  • Photos of the damage
  • Estimate for repair/replacement

Top tips for making a home insurance claim:

  • Any claim for Loss or Malicious Damage should be reported to the Police
  • Temporary repairs should be carried out to prevent further loss. If your claim is covered then we will reimburse you the cost, therefore keep hold of any invoices paid
  • Read your policy documents to see if you can use any of your optional cover which is included in your policy. 
  • Don’t dispose of any damaged items, we may need to inspect them. Badly damaged property can be stored in a garage or shed

Get in touch with us if you have any questions or please read the home insurance policy documents.