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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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Over 60s Home Insurance


At RIAS, we look after customers who take better care of their home and possessions, rewarding them with competitive premiums that don’t compromise on the quality of cover.

We provide insurance products that protect your home, with optional extras to suit your individual needs.

Buildings and Contents

Our buildings and contents cover includes:

  • Up to £50,000 contents cover as standard (you have the option to extend cover up to £100,000). 
  • Buildings cover up to £1 million.
  • The chance to save 40% on our combined buildings and contents cover if you’ve not made a claim in 5 years**.
  • 24/7 access to a market–leading, UK-based claims service* that’s available 365 days a year.
  • Specialist customer service advisors in our UK call centres. 

Optional extras

As well as our standard cover, we offer a range of optional extras. You can then tailor your policy to suit your needs. You can choose to add any of the following to your home insurance: 

Cover for high risk items

Giving you the peace of mind that high risk items with a value of over £1,500 are covered. These items can include jewellery or artwork amongst others (all items must be specific and agreed with RIAS).

Cover for personal belongings away from home

This is ideal to protect your possessions when you’re on holiday or simply out and about (optional additional cover and cover limits apply).

Home Protection

Choose from our two levels of Home Protection Cover:

Level 1 – Home Protection

  • 24 hour assistance for home emergencies. 
  • Up to £500 to cover call out charges, labour, parts and materials for any emergency repairs on your home.

Level 2 - Home Protection Plus

In addition to Home Protection this will also cover:

  • Electrical failure, blocked toilet, plumbing and drainage, security and pest infestation.  


*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.