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Independent financial researcher Defaqto awarded us their highest 5 Star Rating for our excellent cover and benefits.


Defaqto
Home insurance FAQs

Read our most frequently asked home insurance questions. 

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Three reasons to choose RIAS

  • As specialists in over 50s insurance, we recognise that more responsible people like you have earned a few privileges in life. 
  • If you have 5 years claims free and buy combined buildings and contents cover you could save 40%* on RIAS Home Insurance. Terms & conditions apply. 
  • Independent Financial Researcher Defaqto has awarded us their highest 5 Star Rating for the fourth year running.

We provide all this cover as standard

  • Up to £50,000 contents cover and £1 million buildings cover as standard. 
  • New for old replacement on damaged or stolen items.+
  • Access to a 24 hour claims service in UK based call centres so help is always there if you need it.

 

Optional Extras that could save you time and money

  • Lock

    Home Protection coverHome Protection offers varying levels of cover that all give you 24-hour assistance including up to £250 for emergency overnight accommodation, no excess and response from an approved provider.

  • Truck

    Personal Legal Protection coverNegotiations will be made on behalf of you or your family living at home. Payments will be made for up to £50,000 per claim for personal injury or death disputes, contract disputes, employment tribunals and disputes relating to the ownership or occupation of your home.

+ Excluding clothing and household linen

Please note that exclusions and limitations apply to RIAS Home Insurance. Go to the policy documentation page to download the policy summary and booklet.

Buildings insurance

What am I covered for?Policy limit

Fire, smoke, explosion, lightning or earthquake

Your buildings are covered for loss or damage caused by all of the above

£1,000,000

Riot, civil commotion and labour or political disturbances and strikes

Your buildings are covered for loss or damage caused by all of the above

£1,000,000

Malicious damage

Your buildings are covered for malicious damage

£1,000,000

Buildings damage

You will be covered for buildings being hit by:

  • Aircraft or other flying devices, or anything dropped from them
  • Vehicles or trains
  • Falling aerials or masts
  • Falling trees or branches
  • Animals
  • Fireworks
  • Satellite dishes
  • Lamp posts
  • Telegraph poles

 

£1,000,000

Storm or flood

You will be covered for storms and floods

£1,000,000

Subsidence

You will be covered for subsidence or ground heave of the site the buildings stand on, or landslip

£1,000,000

Water leakage

You will be covered for water leaking from or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, water bed, fish tank, refrigerator or deep freeze cabinet.

£1,000,000

Tracing and accessing leaks

We will pay the reasonable costs you have to pay to find where the leak is coming from, including the cost of repairs to walls, floors or ceilings.

£5,000

Theft or attempted theft

You will be covered for theft or attempted theft.

£1,000,000

Oil leakage

You will be covered for oil leaking from a fixed, domestic or oil-fired heating system, including smoke or smudge damage caused by evaporation from a faulty oil-fired heating system.

£1,000,000

Rebuilding or repairing buildings damage

You will be covered for necessary and reasonable expenses for rebuilding or repairing the buildings as a result of damage insured under this section including the following:

  • Architects, surveyors and legal fees
  • The cost of clearing debris from the site, clearing drains and demolishing or shoring up the buildings
  • Other costs necessary to keep to government or local authority requirements, unless you had received notice to meet the requirements before the damage occurred

 

Up to 15% of the maximum claims limit shown on your schedule

Accidental damage or breakage

You will be covered for the cost of repairing:

  • Accidental damage to the fabric of cables, underground pipes and drains (and their inspection covers) serving your home and for which you are responsible.
  • Accidental damage to and breakage of fixed glass (such as glass in windows and patio doors), fitted ceramic hobs and sanitary fixtures in your home. This also includes any damage caused to solar panels.

 

£1,000,000

Rent

You will be covered for:

  • Rent you would have received or are  responsible for paying while the buildings cannot be lived in because of damage insured by this section.
  • Reasonable costs of necessary alternative accommodation will also be paid for you, your family and your domestic pets if the buildings cannot be lived in because of damage insured under this section.

 

Up to 10% of the maximum claims limit shown on your schedule

Protection against squatters

If squatters live in your home, we will pay towards your legal costs for removing them. You must get our agreement in writing before you start proceedings to receive this benefit.

Up to £10,000 in one period of insurance i.e. 12 months

Protection against damage caused by emergency services

We will pay for damage to your buildings and garden and the reasonable costs of any re-landscaping of gardens which form part of the home, caused by the emergency services if they cause damage while getting into your home to deal with an emergency.

Reasonable costs

Replacement locks and keys

We will pay the cost of replacing and installing locks on outside doors if:

  • Your keys are lost outside the home or are stolen; or
  • They are damaged inside the home by an event insured under this section.

 

Up to £1,000 for any one incident
What am I covered for?Policy limit

Contents cover

You and your family’s contents are covered when they are:

  • In the home
  • Outside but within the boundary of the home
  • In a building within the boundary of the home with an open front or side, such as a carport

 

 £50,000

Contents when temporarily away from home

This covers contents anywhere else in the European area when temporarily away from home. Contents are covered when they have been temporarily removed from your home into temporary accommodation where you, or a member of your family, is living.

 £50,000
Contents at University

You and your families contents are covered for loss or damage whilst you are away at university within the UK and the Isle of Man for damage as a result of water, theft or attempted theft and damage caused by oil leaking.

 Up to £3,000 for any one incident
Loss or damage

Your contents are covered for loss or damage caused by:

  • Fire or smoke, explosion, lightning or earthquake
  • Malicious damage
  • Your home being hit
  • Storm or flood
  • Subsidence, ground heave or landslip
  • Water leakage
  • Theft or attempted theft

 

 £50,000

Damage caused by oil leaking

You will be covered for damage caused by oil leaking from a fixed, domestic, oil-fired heating system, including smoke or smudge damage caused by evaporation from a faulty oil-fired heating system

 £50,000

Accidental damage to electrical equipment

You will be covered for accidental damage to television sets (and their aerials), radios, video recording equipment, satellite receivers or decorders, dvd players/recorders, audio visual equipment and personal computers and laptops.

 £50,000

Accidental breakage in your home

You will be covered for accidental breakage, in your home, of:

  • Fixed glass in furniture (but not glass in pictures or clocks)
  • Glass shelves
  • Glass tops to furniture
  • Fixed glass in mirrors
  • Ceramic hobs and ceramic tops to cookers.

 

 £50,000

Loss of metered water or oil

You will be covered for accidental loss of metered water or oil in domestic heating systems.

 £1,000 for water, £2,000 for oil

Refrigerated and frozen food

You will be covered for damage to food in any refrigerator or deep freezer caused by:

  • A rise or fall in temperature or
  • Contamination by refrigerant or refrigerant fumes

 

 £1,000

High-risk items

The most your insurer will pay varies depending on the number of bedrooms in your home, unless a different amount is shown on your policy schedule.

 Depends upon number of bedrooms

Money and credit cards

You will be covered for loss or damage

 £500

Deeds and documents

You will be covered for loss of or damage to deeds and documents.

 £2,500

Property in the open air

You will be covered for property in the open air or in a building that is open at the side or front (such as a carport), but is within the boundaries of your home.

 £2,000

Contents of outbuildings

As standard, you will be covered for up to £5,000 of contents cover for outbuildings.

 £5,000

Jury service

We will pay up to £25 per day for loss of earnings and other expenses if you have to attend jury service.

£25 per day (up to £1000 per claim)

Replacement locks and keys

We will pay the cost of replacing and installing locks on outside doors if:

  • Your keys are lost outside the home or are stolen; or
  • They are damaged inside the home by an event insured under this section

 

£1,000

Shopping in transit

Loss of or damage to food and other items while you are bringing them to your home from the shop where you bought them.

£500

Carers contents

We will cover contents belonging to your carer while in your home as a result of causes insured under this section if they are not insured under any other policy.

£350

Guests contents

We will cover contents belonging to your guests or visitors while in your home as a result of damage insured under this section if they are not insured under any other policy.

£350

Contents professionally packed

If your contents are professionally packed and carried, you will be insured against loss or damage to the contents while they are:

  • Being transported anywhere in the UK between your old address and your new address
  • On their way to or from a furniture depository and being loaded or unloaded.

 

£50,000

Religious festival increase

The maximum claim limit under this section is increased by 10% during the month of your religious festival to cover gifts and extra food and drink bought for the religious festival.

Please refer to policy wording

Birthday increase

The maximum claim limit under this section is increased by 10% for one month before any member of your families birthday, to cover birthday gifts purchased for members of your family

Please refer to policy wording

Counselling fees

If you or members of your family residing at the property suffer emotional stress as a result of a cause under this section, we will pay you the cost of any professional counselling.

Up to £1,000 per claim

Items covered whilst living in a nursing home, residential care home or staying with family and friends

Your contents are covered for loss or damage as a result of causes insured under this section when they are kept in a nursing home and when staying with family or friends within the UK and Isle of Man.

Up to 20% of the maximum claims limit shown on your schedule

Medical equipment on loan

We will cover specialist medical equipment that you are responsible for if you have been loaned these from a hospital, local authority, the Red Cross or other mobility shops.

£5,000

Loss or damage to downloaded data

We will pay for loss or damage covered under this section to non-recoverable electronic data that you or a member of your family residing at your property have legally downloaded. If you make a claim for downloaded data we will ask you for proof that you downloaded this data

£2,500

Theft by bogus officials

We will pay for the theft of money up to £500 following unforced entry into your home by a person/persons falsely claiming to be an official.

£500

Accidental damage to wheelchairs and stairlifts in the home

We will pay for accidental damage to wheelchairs, pavement vehicles and their accessories and stairlifts which are owned by or the responsibility of members of your family, but only while in the home

£50,000
Optional extrasBuildings insuranceContents insurance

Accidental damage extension

You will benefit from standard accidental damage cover, plus accidental destruction or damage caused by:

  • You
  • Your family
  • External means

Pedal cycle extension

This policy extension provides additional cover for your pedal cycles, over and above the protection provided by your standard contents insurance.

Personal belongings away from the home

You will be covered for loss of or damage to your or your family’s personal belongings, money and credit cards in the European area. Cover is also provided anywhere else in the world for up to 60 days in any period of insurance.

Home protection

We will organise and pay up to £500 including VAT, call out, labour, parts and materials to carry out an emergency repair or if at a similar expense, a permanent repair. Find out more.

Garden secure

This provides extra cover for your garden, which is in addition to the cover provided on your buildings and contents insurance. Find out more.

Personal legal protection

You will be covered for:

  • Personal injury and medical negligence
  • Contract disputes
  • Employment tribunals
  • Property protection
  • Tax investigation
  • Motor prosecution defence

Key protection

Claim up to £1,500 (including VAT) towards lock and key replacements and onward transportation in the event of lost or stolen vehicle, home, and/or office keys. Find out more.

Broken bones cash plan

We will pay the insured person £400 in total for one or more broken bones as a result of an accident. Find out more.

ExcessesBuildings insuranceContents insurance

Policy excess

£50 £50

Subsidence, ground heave and landslip excess

£1,000 No excess

Escape of water excess

£250

£250

Accidental damage excess (when enhanced cover is purchased)

£50 £50

Personal belongings excess

No excess £50

Pedal cycle excess

No excess £50

Home protection excess

No excess No excess

Garden secure excess

£50 No excess

Personal legal protection excess

No excess No excess

Key protection excess

No excess No excess

Broken bones cash plan excess

No excess No excess
Table key
Yes Cover included (subject to policy limit and excesses)
Available as an optional extra, for an additional premium
Not available for this level of cover