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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Home Insurance for the over 80s

Why choose RIAS?

As a specialist insurance provider we recognise the need to provide our customers with both competitive premiums as well as high quality insurance cover.

We understand that more responsible homeowners deserve the right to have superior home insurance and the peace of mind of knowing their possessions and home are properly protected.

Buildings & Contents

Our buildings & contents cover includes:

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

Optional Extras

Home Protection

Our Home Protection cover offers you 24 hour assistance in the event of an emergency in your home. We offer 2 levels of cover.

Level 1 – Home Protection

  • 24 hour assistance.
  • Up to £500 to cover emergency call out, labour, parts and materials for repairs.

Level 2 – Home Protection Plus

As well as the standard level of Home Protection, this offers cover for:

  • Electrical failures, plumbing and draining problems, heating and hot water, boiler protection, home security protection. 

Please read our policy wording for full details.

Garden Secure

This will cover you against damage caused by storms to fences, garden walls and plants. It will also cover you for theft or malicious damage, and loss and accidental damage to walls, gates, patios, lawns, and plants.

Please read our policy wording for full details.

Broken Bones Cash Plan

Our Broken Bones Cash plan pays a lump sum of up to £400 if you break one or more bones after an accident in your home. This covers breaks to bones including ankle, rib, skull, hip and wrists.

Please read our policy wording for full details. 


*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.