Or call our UK-based special advisors

0800 561 0711

Lines are open:
8.30am - 8pm Mon - Fri
8.30am - 4pm Saturday

Need to make a claim?

Your 24/7 UK-based claims team is ready to help you.

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For the seventh year running we have been awarded the highest 5 Star Rating by independent financial researcher Defaqto, for our excellent cover and benefits.

Home insurance FAQs

Read our most frequently asked home insurance questions. 

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Buildings and contents insurance cover

There is no more valuable asset in our lives than the homes we live in and the possessions we own. That’s why protecting them is absolutely vital - and we have designed buildings and contents cover that offers peace of mind and competitive premiums.

We also offer a 40% discount for policyholders that take out a combined buildings and contents insurance policy as long as they haven’t made a claim in the last five years**.


Buildings and contents insurance

Here is just a small example of the features you can benefit from as standard with a RIAS buildings and contents insurance policy:

  • High levels of cover - Up to £50,000 contents cover, extendable up to £100,000, and up to £1,000,000 for buildings cover.

  • New for old - Replacement for damaged or stolen items (excluding clothing and household linen over three years old) if beyond repair.

  • Round the clock support - 24/7 access to a marketing – leading, UK-based claims service* that’s available 365 days a year.

In addition there are a host of optional extras available with our combined buildings and contents insurance, including: 

  • Home Protection: 24hr cover for emergency repairs to your home, with up to £500 for call-out, labour, parts and materials.

  • Extended Accidental Damage Cover - For accidental damage such as spilling red wine on the carpet, or damaging a worktop.

  • Garden Secure - Up to £750 to cover against storm damage to fences, garden walls, plants and more, as well as cover against theft and malicious damage, subject to a £50 excess.

  • Key Protection - Up to £1,500 for lock and key replacements should your house, car, or office keys be lost 

Terms and conditions apply. Full details can be found in the policy documentation.


With RIAS you’ll benefit from a UK-based, completely dedicated and highly experienced team.


Find out more

Have a look at our home insurance page to see an overview of the cover we provide with combined contents and buildings insurance. You can also find out more information on our buildings insurance and contents insurance pages, or read our policy documentation.


*Household claims service, provided by Ageas Insurance Limited, has been awarded ServiceMark accreditation from the Institute of Customer Service.

**Available only to new customers who buy a combined buildings and contents policy and have 5 years claims free. Discounts are applied consecutively. Minimum premiums apply.