More Information

Contents Insurance - Covering your possessions

Home contents insurance protects your household goods and personal belongings in your home. You’re covered against loss and theft and against damage including riot, malicious damage, impact, fire, flood, storm and water damage. In the event of a claim there is a £50 excess payable with this cover. Our standard cover includes:

• Up to £50,000 to replace lost, stolen or damaged possessions
• New for old replacements on damaged or stolen items
• Accidental damage to audio and visual equipment, including televisions, computers and videos
• Up to £500 for damage to food in any refrigerator or deep freezer
• Alternative accommodation up to £10,000
• Up to £2 million public liability cover
• £5,000 contents cover for outbuildings on a permanent foundation
• 24-hour legal advice helpline
• Identity Theft Assistance Service
• New for old replacements on damaged or stolen items (excluding clothing/linen over 3 years old)

To view key policy benefits and exclusions, download our home insurance policy summary. For full terms and conditions of our policy, download our home insurance policy booklet.

Extras

To help make sure your cover reflects your individual needs, we offer a number of additional options. You can add on:

• Additional Accidental Damage cover, including damage to glass, china, porcelain, earthenware, stone or other fragile material up to £250
• Special cover for high value items worth over £1,500 – you need to list these separately on your cover and keep valuations up to date. In case of a claim, your insurer may want to see proof of valuation.
• Personal belongings away from home – up to an overall total of £5,000, including up to £1,500 each for items such as luggage, cameras and jewellery; £500 for lost or stolen credit cards and £300 cash
• Pedal cycles – extra cover to protect them when you padlock them away from home (your standard policy will cover cycles if they are stolen or damaged from a locked building at home) - £1,000 per pedal cycle and £2,000 in total.

Save even more by following our essential home insurance security tips to get a discount.

Buildings Insurance

Buildings insurance covers the costs you’d face if your home needed to be repaired or rebuilt as a result of a number of types of damage – water damage, fire, flood, storm, malicious damage, impact or theft. In the event of a claim there is a £50 excess payable with this cover. Our standard cover includes:

• Rebuilding or repairs up to £1 million
• Accidental damage to the fabric of cables, underground pipes and drains and their inspection covers, serving your home and for which you are responsible
• Up to £2 million Public Liability cover
• £10,000  rebuild cover for any outbuildings on a permanent foundation
• Fixed glass, such as patio doors and windows, is covered against accidental damage
• Alternative accommodation – up to £100,000 for temporary accommodation if you have to move out of your property because of damage covered by the policy
• Accidental damage to bathroom fixtures and fittings
• 24-hour legal advice helpline
• Identity Theft Assistance Service
  

To view key policy benefits and exclusions, download our home insurance policy summary. For full terms and conditions of our policy, download our home insurance policy booklet.

Do you need extra cover?

Our standard cover is wide ranging but for added peace of mind, you may wish to add our Additional Accidental Damage cover. This protects you against damage to the structure of your building – for instance, if you were in the loft and accidentally put your foot through the ceiling.

ID Theft - Free reassurance against a growing crime

Identity theft is one of the UK’s fastest growing types of crime and having listened to our customers, we have recognised that this issue is a major concern. It’s estimated that more than 100,000 people are affected by identity theft in the UK each year, which is why we have decided to do something about it. We have introduced a FREE service to our customers to help combat the effects of identity theft. When you choose RIAS for your home insurance policy you will automatically benefit from this extra assistance whilst your policy is in force.

Visit our ID Theft page for more information.