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More Information
We know how devastating it can be to lose your most valued personal possessions.
That’s why our home contents insurance protects your household goods and personal belongings against the widest possible array of events. With RIAS you’re covered against loss and theft, as well as damage including riot, malicious damage, impact, fire, flood, storm, and water damage. In the event of a claim being made a £50 excess is payable.
Our standard cover includes:
- Up to £100,000 to replace lost, stolen or damaged possessions
- New-for-old replacements on damaged or stolen items (excluding clothing and household linen)
- 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 situated on a permanent foundation
- A 24-hour legal advice helpline
- Our Identity Theft Assistance Service
To view the key benefits and exclusions from our policy, please download our home insurance policy summary. For the full terms and conditions of our policy, please download our home insurance policy booklet.
Extras
At RIAS we know that no two homes are alike. To help ensure that your cover reflects your individual needs we offer a number of additional options. If you wish, you can choose to add the following on to your policy:
- 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 (note: you need to list these separately on your cover and keep valuations up to date. In the event of a claim your insurer may want to see proof of valuation)
- Personal belongings away from home can be covered up to an overall total of £5,000, including up to £1,500 per item for luggage, cameras and jewellery; £500 for lost or stolen credit cards; £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 when in a locked building at home)
You could save even more by following our essential home insurance security tips to get a discount on your policy.
Buildings Insurance
Buildings insurance covers the costs you’d face if your home needed to be repaired or rebuilt as a result of various kinds of damage: water damage, fire, flood, storm, malicious damage, impact or theft. In the event of a claim being made 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, that serve your home and for which you are responsible
- Up to £2 million public liability cover
- £10,000 rebuild cover for any outbuildings situated on permanent foundations
- Accidental damage to fixed glass, such as patio doors and windows
- An alternative accommodation allowance – 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
- A 24-hour legal advice helpline
- Our Identity Theft Assistance Service
To view the key policy benefits and exclusions, please download our home insurance policy summary. For the full terms and conditions of our policy, please 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 consider 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.