Over 50s Car Insurance

Here at RIAS we put you first. That means listening to you, providing you with the information you need to make the best decision, and negotiating to get you the best price from our selected insurers.

How to proceed is your choice. Fill out our simple online form to get a quote, or call us to talk about your insurance needs. Either way, we’ll help you find the right deal for you at our best price.

More Information

Car insurance - what's covered

• Protected no-claims discount (subject to status) If you’re involved in an accident that’s your fault, you will still be able to retain your no-claims discount
• 24-hour claims service Our claims lines are open all day every day, 365 days of the year. Our friendly operators will be there to assist and advise you and help you process your claim speedily. Once you’ve signed up for cover, you’ll receive the numbers you need in the event of theft or accident
• Windscreen cover If your windscreen is broken, you can arrange a replacement using our specialist repairers (provided you’ve taken out comprehensive car insurance cover)
• Medical Expenses If you, or any of your passengers, are injured in an accident involving the car, we will pay towards Medical Expenses for each person (limits apply)
• Personal belongings (subject to status) We cover personal effects in the car up to £100 (or the amount specified in your policy book) if lost or damaged by accident, fire or theft
• Free courtesy car With comprehensive cover, while your car is being repaired by the approved repairer, a courtesy car will be supplied for your convenience
• Fast repair service We lose no time in getting your car repaired by an approved garage closest to your home address. Payment is normally made direct to the approved garage by us
• Personal Accident Cover If you or one of your passengers are injured or killed in an accident where you are at fault, a lump sum will be paid for specific injuries or death (age limitations apply)

See our car insurance FAQ

Levels of Cover

Third Party Only: This provides the driver with cover for damage caused by their vehicle to another person or their property.

Third Party, Fire & Theft: This provides the driver with cover for damage caused by their vehicle to another person or their property as well as cover for fire, theft or attempted theft of the vehicle.

Comprehensive: This provides cover for third party, fire, theft and accidental damage to the insured vehicle. This enables the policyholder to claim for almost any damage to the vehicle.

The Excess Protection Policy provides insurance to cover reimbursement, up to £300, for your Excess under your Motor Car Insurance Policy following the successful settlement of a claim in respect of malicious or accidental damage, fire, theft or attempted theft during the period of insurance, where no recovery can be made from a Third Party.

The Excess Protection Cover under this policy is administered by Albany Assistance Ltd and is underwritten by IGI Insurance Company Ltd.

All claims must be reported within 30 days of the date the claim was settled by your Motor Car Insurance Company

Full details and exclusions can be found in the policy booklet.

This cover is available for only £27.00 per year.

If you are involved in a motor accident that was not your fault, need legal advice or need help with motoring emergencies, our Legal Expenses Cover will provide you with up to £100,000 of cover (for all claims that arise from the same insured incident).

Benefits include:

• Cover for the hire of a replacement vehicle if yours cannot be driven after a collision
• Cover if you or your passengers have suffered an injury
• Cover if you have incurred losses you are not insured for

All claims must be reported within 180 days of the insured incident. Full details and exclusions can be found in the policy booklet. The cover is administered by MotorPlus Limited (trading as ULR) on behalf of Groupama Insurance Company Limited.

Legal Protection is available for £24.00 per year.

MOT Protection Policy

The MOT Protection Policy is designed to provide reimbursement, up to a maximum limit of £650, of the cost for the repair / replacement of insured components when they are shown as failing to meet current MOT standards.

For just £39.96 a year (£3.33 per month) MOT Protection product can be offered to cars that meet all of the following criteria -

• Cars up to and including 10 years old
• Cars less than 100,000 miles.
• The car must have more than 90 days remaining on the MOT.

The MOT Protection Cover under this policy is administered by Direct Group Limited and is underwritten by UK Underwriting Limited.

If your car meets all the criteria above and you would like to add to your policy, please contact -

• New customers - 0800 561 0712
• Existing customers - 0845 650 0345

Full details and exclusions can be found in the MOT Policy wording

Disount Car Insurance for low mileage customers

Are you over 50 and a low mileage driver, travelling less than 5,000 miles per year? You could get extra savings on your car insurance with RIAS.

At RIAS we firmly believe low mileage drivers over 50 should pay less for their car insurance, but we can offer you further discounts too. We offer discount for:

• Over 50s
• Owners of older cars
• Retired low mileage drivers
• Keeping your car garaged when not in use

Here are some of the benefits you can look forward to when you take out a policy with RIAS:

• Free protected no claims discount*
• Insured up to 91 days when driving in the EU (Subject to status) 
• Up to £500 cover on lost or stolen keys (Subject to status)
• 24 hour claims service
• Free courtesy car while yours is being repaired**
• Fast repair service
• Extra personal accident cover (Comprehensive cover only)

Win a new Mini One - another great reason to get a quote from RIAS today!

Saving money on your car insurance is a great reason to get a quote from RIAS… and now there’s another…because one lucky winner will be driving off with a brand new Mini One. The Mini is an icon of British motoring. It's practical too, combining its smart looks with economical costs and low CO₂ emissions.

Don’t miss your chance to win it… and save money on your car insurance – get a car quote from RIAS today.

Get a car insurance quote online or call FREE and you’ll be automatically entered into our prize draw to win a Mini.

Prize draw terms & conditions

1. Employees of RIAS PLC and their immediate families, including relatives residing in an employee’s household and any person professionally involved with this prize draw, may not enter the prize draw.
2. Open to residents of the United Kingdom (excluding Northern Ireland) who are aged 50 years or over. Those given a motor insurance quotation within the period 1st January 2010 to the closing date 31st December 2010 inclusive will be entered into the prize draw. Quotations will only be provided within 60 days of the policy start date. No purchase necessary.
3. The prize draw will take place on 14th January 2011. The first name drawn will win a car. The car will be as specified on this page or an alternative model of the same value. RIAS reserve the right to offer a similar model.
4. If you purchase the policy within a week of receiving the quote you will receive a second entry into the draw.
5. The winner may choose to take a cash alternative of £10,000 instead of the car.
6. The winner will be notified by post within 14 working days of the draw date and must claim the prize or cash alternative by 11th February 2011. The result will be made available on the RIAS PLC website after the closing date.
7. The winner will be responsible for licensing and insuring the vehicle prior to collection/delivery.
8. RIAS PLC's  decision will be final and no correspondence will be entered into.
9. RIAS PLC accepts no liability for any loss or damage that may occur in relation to acceptance of this prize.
10. RIAS PLC will treat your information as private and keep it secure but reserves the right to use the winners name, home town, photograph and comments in future publicity or promotional material. To read the privacy policy click here.

83% of motor insurance customers* would recommend RIAS to family or friends!

Motor Insurance
See what our customers say about our service and our prices.

Mr Cooksley, West Yorkshire
“May I take this opportunity of saying how well the documentation is presented making renewal a straight forward and hassle free service. May I say how pleased I am with my new quote for the forthcoming year."

Mr Tudgay, Gloucestershire
"I have had my car insured with RIAS for about 5 years and your premiums seem unbeatable."

Mr Evans, Gwent 
"Thank you very much for your help for handling my claim so quickly. Within 5 hours of the accident I received a courtesy car and within 12 days a cheque for settlement of the claim. You must be the best insurance company in the UK. Once again, many thanks to you all."

* Research conducted by Ipsos MORI for RIAS, May 2009 among 150 RIAS  motor insurance customers.