Over 65s Home 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.

Buildings Insurance from RIAS

Buildings insurance covers the costs you’d face if your home needed to be repaired or rebuilt as a result of a number of types of damage: water damage, fire, flood, storm, malicious damage, impact or theft. In the event of a claim there is a £50 excess payable except for escape of water where there is a £250 excess for each and every incident. 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, serving your home and for which you are responsible
• Up to £2 million Public Liability cover
• £10,000 rebuild cover for any outbuildings on a permanent foundation
• Fixed glass, such as patio doors, windows and solar panels are covered against accidental damage
• Alternative accommodation – 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
• 24-hour legal advice helpline
• Identity Theft Assistance Service
• To view key policy benefits and exclusions for buildings insurance, download our home insurance policy summary. For full terms and conditions of our policy, download our home insurance policy booklet.

Do you need extra cover?
Our standard buildings insurance cover is wide ranging but for added peace of mind, you may wish to add 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.

Contents Insurance - More Information

RIAS Contents Insurance - Covering your possessions

Home contents insurance protects your household goods and personal belongings in your home. You’re covered against loss and theft and against damage including riot, malicious damage, impact, fire, flood, storm and water damage. There is a £50 excess fee if you need to make a claim except for escape of water where the is a £250 excess for each and every incident, the standard contents insurance cover includes the following:

• Up to £50,000 to replace lost, stolen or damaged possessions (can be increased up to £100,000)
• New for old replacements on damaged or stolen items
• Accidental damage to televisions, computers, videos and dvd players
• Up to £1000 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 on a permanent foundation
• 24-hour legal advice helpline
• Identity Theft Assistance Service
• New for old replacements on damaged or stolen items (excluding clothing/linen over 3 years old)

Extras

To help make sure your cover reflects your individual needs, we offer a number of additional options. You can add on:

• 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 you need to list these separately on your cover and keep valuations up to date. In case of a claim, your insurer may want to see proof of valuation
• Personal belongings away from home – up to an overall total of £5,000, including up to £1,500 each for items such as luggage, cameras and jewellery; £500 for lost or stolen credit cards and £500 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 from a locked building at home) - £1,000 per pedal cycle and £2,000 in total.
  

Save even more by following our essential home insurance security tips to get a discount.

Home Protection

This cover provides protection against sudden or unforeseen incidents at your home, which exposes you to a risk to your health, creates a risk of loss or damage to your home and property or renders your home uninhabitable.

What's insured:

• We will organise and pay up to £500 including VAT, call out, labour, parts and materials to carry out an emergency repair or if at a similar expense, a permanent repair.
• We will pay up to £250 for overnight accommodation. (if agreed by our helpline first)

Covered Events:

• Plumbing and drainage - Failure or damage of your plumbing or drainage system, from the mains water supply, where flooding or water damage is likely to occur inside your home.
• Blocked toilet - The only available toilet has failed due to blocked toilet waste pipes.
• Electricity Supply – Assistance if all the electrics within your home have suddenly failed.
• Pest Infestation – The removal of rats, mice, squirrels, wasps’ nests and hornets’ nests within your home.
• Security – Your locks, doors or windows have either failed or broken down or been damaged leaving your home unsecure.
• Water supply pipe – The water supply pipe within your home has burst or been damaged and water damage/flooding is likely to occur inside your home.

Home Protection PLUS
All the benefits of our standard Home Protection cover is automatically included within Home Protection PLUS. In addition, we will also provide:

• up to £1,000 including VAT, call out, labour, parts and materials for repairs to the boiler, main heating and hot water.
• repairs in relation to partial and intermittent breakdown of the boiler and main heating
• cover for a single boiler up to and including 15 years old.
• cover for electricity failure even if only one floor of your home has been affected.
• repairs to any blocked toilet waste pipe, regardless of the number of other available toilets within your home.

Conditions and exclusions of Home Protection and Home Protection PLUS

• Claims arising when the home is left unoccupied for 30 consecutive days are excluded.
• You are not eligible to make a claim under the policy within the first 14 days.
• Boilers or heating systems must have been inspected or serviced by a qualified person within the preceding 12 months - evidence will be required in the event of a claim.
• Cover for removal of sludge, descaling and any work arising from hard water scale deposits, including power flushing is not provided.
• Cover for LPG fuelled, solid fuel fired, warm air, solar and unvented heating systems cannot be provided.

Annual Boiler Service
An annual boiler service can be added to your policy if you have selected Home Protection PLUS cover. The service includes checks on boiler performance, safety devices, flue ways, ventilation, ignition, pipe work and radiators. An authorised contractor will arrange to service your boiler at a mutually convenient time, within 30 days of the start date of your annual boiler service. Subsequent servicing will be carried out each year providing you renew your policy. If your boiler passes the inspection, you will be provided with a dated certificate as evidence.

Any work carried out during the first service, to enable the boiler to pass, will be done so at your own expense and only if you authorise it.

If your boiler fails an annual boiler service, after the first initial service, we will cover the complete failure of a component that would be covered under your home protection plus policy, as a result of your boiler service failing inspection, enabling it to pass the inspection.

Home Protection, Home Protection PLUS and Home Protection PLUS with Annual Boiler Service is underwritten by Inter Partner Assistance SA. Full details and exclusions can be found in the separate Home Protection policy booklet.

Garden Secure - extra cover for your garden

This provides extra cover for your garden, which is in addition to the cover provided on your buildings and contents insurance. Your garden is probably your pride and joy, so we are pleased to be able to offer you this extra insurance to protect it against damage from vandals and the weather.

What’s insured:

• Walls, gates, fences, patios and trellis
• Hedges, lawns, trees, shrubs and plants

Cover includes loss or damage caused by:

• Theft
• Fire, lightning or explosion (smoke/bonfire damage is excluded)
• Storm or flood damage
• Malicious damage
• Accidental damage (caused by any person other than you or your family)
• Damage by wild animals
• TV aerials, dishes or masonry falling from the building
• Branches falling from trees

In the event of a claim there is a £50 excess payable with this cover.

Frost/general wear and tear is excluded.

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

Your garden will be covered for up to £750 per period of insurance for only £32 per year.

If you or any of your family living at home wish to pursue legal proceedings, this option will cover the costs of such action (up to £50,000 per claim).

Benefits include:

• Cover for personal injury or death disputes
• Contract disputes such as the purchase/hire of goods or sale of goods (if over £100)
• Employment disputes such as employment tribunal
• Protection for disputes relating to the ownership or occupation of your home such as boundary disputes or trespassing (£250 excess payable for this)

Price
Annual premium: £26

Further Information

• Home insurance policy booklet - full terms and conditions
• Home insurance policy summary - key policy benefits and exclusions

Personal Legal Protection is arranged by Qdos Broker & Underwriting Services Limited, is administered by Motorplus Limited (trading as FamilyPlus) and is underwritten by UK Underwriting Limited on behalf of Ageas Insurance Limited.

Contact Us
To speak to an advisor about this cover please call 0800 561 0711.

This policy is designed to provide you with the peace of mind and security that all of your keys are covered in the event of loss or theft.

For just £20 a year (£1.67 per month), the Key Protection policy will provide the following:

• Up to £1,500 towards gaining access in the event that your keys are locked in or broken in the lock of your vehicle, home or office and, if necessary, provide reimbursement for a replacement key or lock.
• Up to £75 a day for up to 3 days car hire if you are stranded away from home due to theft or loss of your car keys or, alternatively, reasonable public transport or taxi fares.
• 24 hour, 365 days a year assistance.
• You will not have to pay an excess when you make a claim.
• The Key Protection policy will provide cover for all residents of the home.

The policy is underwritten by Inter Partner Assistance and administered by Direct Group Limited on behalf of the insurer. The claims helpline is operated by AXA Assistance.

Full details and exclusion can be found in the Policy Summary.

We will pay a cash lump sum of £400 in total for one or more broken bones as a result of an accident. The following bones are covered:

• ankle (tarsals)
• breastbone (sternum)
• clavicle (collar bone)
• coccyx
• foot (metatarsals)
• hand (metacarpals)
• kneecap (patella)
• lower arm (radius and ulna)
• lower jaw
• lower leg (tibia and fibula)
• nose
• pelvis
• upper arm (humerus)
• upper leg (femur)
• rib
• shoulder blade (scapula)
• skull (including facial bones)
• vertebra
• wrist (carpals.)

Price
Annual premium: £18

Further Information

• Home insurance policy booklet - full terms and conditions
• Home insurance policy summary - key policy benefits and exclusions

This insurance cover is provided for RIAS customers by ACE European Group Limited.

Contact Us
To speak to an advisor about this cover please call 0800 561 0711.

ID Theft

Protecting you from identity theft
Criminals can use your identity and personal details to open bank accounts and apply for credit cards, loans, state benefits, mortgages, passports and driving licences – all in your name. If your identity has been stolen it might cause you difficulties in accessing your own bank account, and result in days spent sorting out finances and documents.

How will our ID Theft Assistance Service help clear your name?
If you do become a victim of identity theft, RIAS can help to resolve the situation in four ways:

We’ll provide you with your own Case Manager
As soon as you call to report a case of suspected identity theft we assign you your own dedicated expert, who will help to establish whether or not your identity has been stolen and provide you with practical help and advice.

We will request your Credit Files
Your ID Theft Case Manager will work with all three credit agencies (Experian, Equifax and CallCredit) to establish a complete overview of your personal credit history. They will then create and dispatch the relevant documents and explanatory notes to you, so you can complete the process of clearing your name. Please note, there is a small charge for each credit report.

We will undertake Identity Recovery and CIFAS Protection
If your credit report does identify any credit agreements that you did not take out yourself, your Case Manager will work with you to correct and amend your credit file. If appropriate, we will arrange for CIFAS (the UK’s Fraud Protection Service) Protective Registration to help prevent future ID theft.

We will provide you with proof of identity
If a bank or other company affected has any doubts that you were a victim of identity theft, they may require further proof of your innocence. In this situation your Case Manager will help by putting together all the evidence for you. This will include proof of identity and documentation that will fully clear your name.

This service is provided by Europ Assistance Holdings Limited. The helpline number is
0870 737 5709. Lines are open 9am to 5pm Monday to Friday.

Be vigilant. To protect your identity, keep an eye out for the following:

• Bank statements or correspondence that fails to arrive. 
• Bills, invoices or receipts addressed to you for goods and service that you haven’t purchased.
• The refusal of an application for a credit card, mortgage or loan, despite your having a good credit history.
• Letters from solicitors or debt collectors concerning debts that aren’t yours.
• A missing passport or driving licence.

Useful contacts

APACS (the UK Payments Association) -  www.apacs.org.uk
Bank Safe Online - www.banksafeonline.org.uk
British Bankers’ Association - www.bba.org.uk
CardWatch - www.cardwatch.org.uk
Crimestoppers - www.crimestoppers-uk.org
DVLA - www.dvla.gov.uk
Foreign and Commonwealth Office - www.fco.gov.uk
Fraud Reduction Website - www.uk-fraud.info
Home Office - www.homeoffice.gov.uk
Royal Mail - http://www.royalmail.com/portal/rm
UK Passport Office - www.passport.gov.uk

Security Tips – maximise your household security

Taking basic precautions to protect your home obviously makes sense in terms of your own security. Additionally, however,  the pointers below might also be necessary conditions of your home insurance policy. And even when they’re not essential, doing the following might help you qualify for discounts on your insurance:

Main entrance/exit door (usually your front door). Depending on the type of door you use to enter and leave your home (your ‘final exit’ door), it should be fitted with either a mortise deadlock with a minimum of five levers, or a three-point multi-locking system

Ground floor and other accessible windows. These should be fitted with key-operated window locks. ‘Accessible’ windows include any that can be reached without using a ladder, and have an opening of at least 9 inches by 9 inches.
 
Other external doors (except patio doors). These must be fitted with barrel bolts top and bottom. If the door is partially glazed you will need to fit key-operated locks.
 
Patio doors. Fit any UPVC doors with a three-point multi-locking system. Other patio doors should be fitted with key-operated bolts, top and bottom.

You might qualify for extra discounts on your home insurance if you have installed a NACOSS, SSAIB or NSI-approved intruder alarm covered by an annual maintenance contract, or if you live in a Neighbourhood Watch area. 

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Home Insurance

See what customers say about our service and prices.

Mr Elliott, Gloucestershire
"If you're 50+, RIAS is a must. No-one else comes close on price."

Mr Chandler, Kent
"The service was excellent. What more can I say!"

Mr Peck, Kent
"Excellent service, excellent price, customer friendly documentation. I wish all my purchases were this easy. Saved over £170 on this policy compared to my previous insurer. Well done…"

Mrs Taylor, West Sussex
"RIAS offered us an increased level of cover at a saving of more than £120 on the renewal premium with our previous insurer - I'm very glad we called!"