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We have again been awarded the highest 5 Star Rating by independent financial researcher Defaqto, for our excellent cover and benefits.


Why Choose RIAS?

RIAS is a specialist car insurance provider. This means that our policies are tailored for experienced drivers and we have built an experienced team that can offer you the reassurance and care you are looking for.


Our comprehensive cover offers great benefits, as standard: 

  • Uninsured driver promise*- so you won't lose your no claims discount if hit by an uninsured driver.

  • Courtesy car as standard - Keep on the road with a courtesy car in the event that an accident occurs. Whilst yours is being repaired by an approved repairer.

  • Medical expenses - Medical expense cover for both you and your passengers in the unfortunate event that an accident occurs (limits will apply). 


Optional Extras

In addition to the standard car insurance cover that you can enjoy with us there are a host of optional extras available too. These include:

    • Excess protection - This allows you to claim back your insurance excess (up to £300) in the event that nothing can be reclaimed from a third party: such as when your car was stolen or when the accident was your own fault. This applies to a maximum of two claims during the cover period.

    • Breakdown cover - Enjoy breakdown cover that will get you on the move when you need it: the breakdown service is available 24hrs a day and 365 days a year.

    • Key protection - In the event that your home, car or office keys are lost or stolen you can claim as much as £1,500 to replace both the locks and keys. You will also be covered if you are stranded – this includes up to £75 a day for three days’ car hire, reasonable public transport costs or taxi fares. 

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


Find out more

You can find out more now on our car insurance page, or specific details in our policy documentation.

It only takes a few minutes to fill in our online form to get a quote, or if you prefer you can give us a call on 0800 561 0712 to see if you could be enjoying car insurance from RIAS. 

Got a question? View our car insurance FAQs.


* Providing the accident was not your fault, you will not lose your no claims discount or have to pay an excess if hit by an uninsured driver. However, we will need the make, model and registration number of the uninsured vehicle