Terms and conditions

If you are looking for the terms and conditions of our Price Promise, 2 year fixed offers or Save 40% on home insurance, use the links below to find out more.

Access to and use of this website and the products and services available through this website are subject to the following terms and conditions. Please read these terms and conditions carefully before using the website.

By accessing this website, you agree to be bound by the following terms and conditions and disclaimers.

Please be aware that we may update our terms and conditions from time to time and any material and content provided in the pages of this website may be changed at any time without notice.  You should therefore check this page regularly for updated terms and conditions. The bottom of the page will always state the date of the last update.

Use of this website

Our website is intended for personal, non commercial use by residents of the United Kingdom only.  We cannot guarantee that the website or the information on it complies with the laws of, or is appropriate for use in other territories.

You are wholly responsible for use of the website by any person using your computer and you must ensure that any such person complies with these terms and conditions.

This website is designed to be entered from the home page. If you access the website through another website you may not see some important information which is relevant to the products or services being offered. Before purchasing any products or services on this website you will be referred to certain pages which contain additional product, regulatory, or legal information. You are advised to read these pages and should you have any questions contact us using the details provided below.

Availability

Whilst we take all reasonable steps to ensure that the website continues to be available there may be times when it is not available.  This may be for reasons relating to the maintenance of, or alterations to, the website or for reasons beyond our control.  We are not responsible to you if the website is unavailable. 

Privacy policy

At RIAS we look after your details carefully and are committed to protecting your privacy. Our privacy policy which sets out how we will use your information can be found here.

Our products and services

The information and content of this website does not constitute an offer by us to sell products and services to anyone who wishes to purchase. We retain the right to accept or reject any request to purchase the products or services on this website, and that any purchase will be subject to the terms and conditions and disclaimers of that product or service.

The complete description of all terms, conditions, and exclusions relating to our products and services are contained in the Terms of Business Agreement, policy booklet or other documents issued with the products and available on this website.

In the event of any contradiction between these website terms and conditions of use and the specific product or service terms and conditions, the latter shall prevail. Complete details will always be included in your schedule of cover, policy documents and/or conditions of purchase issued to you.

It is your responsibility to ensure that you have sufficient funds to cover the cost of any product or service that you purchase.

Viruses, hacking and other offences

You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. You must not attack our website via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our website will cease immediately.

The following clauses exclude or limit our legal liability. You should read them carefully.

Where we provide you with an insurance quotation through the website this will be based on the information you have given to us. It is your responsibility to take care to give us complete and accurate information when you take out your insurance policy, throughout the life of your policy and when you renew your insurance policy. Failure to supply accurate and complete information may mean that your policy is invalid and that it will not operate in the event of a claim.

Nothing in these terms in any way excludes or limits our liability for negligence causing death or personal injury or for fraudulent misrepresentation.

We are responsible to you for any losses you suffer to the extent that they have been caused by your reliance on any errors or omissions in our website where we have been negligent in failing to correct any such errors or omissions.

Whilst we have taken reasonable steps to ensure the accuracy, currency, correctness and completeness of the information contained on the website, we do not check, review, monitor, verify or endorse any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this website or any third party websites which you can access from this website.  We are not responsible to you for any loss, damage or injury you may suffer or incur in connection with such information, content, material or data.  It is your responsibility to check that such information, content, material or data is accurate, current, correct and complete.

This website contains links to websites of third parties offering additional insurance policies. You must form your own view as to the suitability of such policies for you.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our website.

Links to downloadable software websites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

We are not responsible or liable to you for any loss or damage you may suffer or incur in connection with your use of this website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception and decryption of it by others.

We are not responsible to you for any losses or damage you may suffer caused by any distributed denial-of-service attack, or any viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful and which may infect, contaminate or damage your computer equipment or computer programs, or cause damage to software or damage to or loss of data unless caused by our negligence. You should ensure that you use appropriate virus checking software.

Internet e-mail

Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. We are not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.

Trade marks and copyright

This website contains intellectual property and other rights and must only be used in connection with obtaining insurance in accordance with the terms set out in this website.

Copyright in the pages screens, information and material in their arrangement included in this website is owned by or licensed to RIAS unless otherwise noted. You may imprint, copy, download or temporarily store extracts from our website for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you first get our written permission. In particular no one may use a part of our website on any other website, or link any other website to our website, without our prior written permission If you use our website in breach of these Terms your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made

If you have any concerns about material which appears on our website please contact customer services.

Governing Law

These terms and conditions are governed by English law and you and we both agree to submit to the non exclusive jurisdiction of the English courts.

Status of the RIAS website

Any insurance which may be arranged for you will be arranged through RIAS as agent for the insurers concerned.

Contacting us

RIAS is a trading name of Ageas Retail Limited.  Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number: 312468. Insurance provided by Ageas Retail Limited is not available in the Channel Islands. Ageas Retail Limited is a sister company of Ageas Insurance Limited.



The RIAS Price Promise – Terms and conditions

The Rias Price Promise: Find a cheaper home insurance quote and we will refund the difference:

You will need to send proof of the cheaper quote from an alternative provider obtained within 90 days of taking out your Rias policy.

If cover is comparable, providing you have not made a claim, Rias will send a cheque within 20 working days, for the difference between the total annual premium of the quote and your Rias policy (not including any additional cover such as Legal Expenses).

For cover to be comparable, the following must match:

General underwriting acceptance would need to be satisfied.

The offer may be withdrawn any time, this will not affect the offer in respect of policies purchased before the withdrawal date.

How to claim your refund: send Rias the quote from the alternative provider to: home@rias.co.uk  or Rias Customer Services, Deansleigh House, Deansleigh Road, Bournemouth, Dorset BH7 7DU. Include your new Rias policy number and the title “Rias Price Promise”

If you have any queries please contact Customer Services on 0345 234  0117.

 

2 year car fixed offer – Terms and conditions

The terms and conditions below form part of your car insurance policy conditions and set out the rights and obligations that apply to the 2 year fixed price offer (the “offer”). 

The offer fixes the price of your car insurance cover (excluding any optional cover you choose, such as Legal Expenses cover), for two consecutive periods of annual insurance. You can only take advantage of this offer if you have 9 years no claims discount and have not made a claim or received a motoring conviction in the last 3 years. The offer will end if you make a claim against your policy or receive a motoring conviction. If Insurance Premium Tax changes during the period of the offer or you make any changes to the policy, the price may be adjusted to reflect this, either at the time of the change or at next renewal.  The new annual price will remain fixed at next renewal. All policies and any changes are subject to underwriting criteria. Quotes are valid for 60 days. We reserve the right to withdraw the offer at any time. Offer not available via price comparison website.

The terms and conditions below set out the rights and obligations that apply to the 2 year fixed premium offer (the “offer”). The policy is underwritten by Ageas Insurance Limited (AIL). 

  1. The offer fixes the annual premium of your car insurance policy, including any additional/optional cover you choose, such as Legal Protection cover, for two consecutive periods of annual insurance and will apply from the start date of your policy.

  2. You can only take advantage of the offer if you have 9 years no claims discount, have not made a claim or received a motoring conviction in the last 3 years and purchase a comprehensive policy.

  3. If you do not declare any claims or convictions, which are later identified, we reserve the right to either adjust your premium to reflect the changes or to withdraw the insurance entirely.

  4. If, during the first period of annual insurance you make any changes to your policy, make a claim against your policy or receive a motoring conviction the offer will come to an end and any subsequent renewal of your policy will be based on AIL standard underwriting terms.

  5. If there is any change in Insurance Premium Tax (IPT) during the offer period, your premium will be updated to reflect this change at the next renewal or if you make an adjustment to your policy mid-term.

  6. A valid quote must be obtained by 18th November, at which point the offer closes.

This offer was available on policies purchased prior to January 2016 and is no longer available.

 

2 year home fixed offer – Terms and conditions

The terms and conditions below form part of your home insurance policy conditions and set out the rights and obligations that apply to the 2 year fixed price offer (the “offer”). 

The offer fixes the price of your home insurance cover (excluding any optional cover you choose, such as Legal Protection), for two consecutive periods of annual insurance. You can only take advantage of this offer if you have held continuous home insurance and been claim free for 3 or more years. The offer will end if you make a claim against your policy. If Insurance Premium Tax changes during the period of the offer or you make any changes to the policy, the price may be adjusted to reflect this, either at the time of the change or at next renewal. The new annual price will remain fixed at next renewal. All policies and any changes are subject to underwriting criteria. Quotes are valid for 60 days. We reserve the right to withdraw the offer at any time. Offer not available via price comparison websites.

  1. The offer fixes the annual premium for your home insurance policy, including any additional/optional cover you choose, such as Legal Protection cover, for two consecutive periods of annual insurance and will apply from the start date of your policy.
  2. Offer applies to new customers only who have been claim free for the last 3 years.
  3. If you do not declare any claims, which are later identified, we reserve the right to either adjust your premium to reflect the changes or to withdraw the insurance entirely. 
  4. If, during the first period of annual insurance you make any changes to your policy or make a claim against your policy, the offer may come to an end and any subsequent renewal of your policy will be based on standard underwriting terms.
  5. If there is any change in Insurance Premium Tax (IPT) during the offer period, your premium will be updated to reflect this change at the next renewal or if you make an adjustment to your policy mid-term.
  6. Please note that we reserve the right to withdraw the offer at any time.
  7. Your quote will be guaranteed until the policy start date you have chosen.

This offer was available on policies purchased prior to January 2016 and is no longer available.

 

Save 40% on RIAS Home Insurance - Terms and conditions 

Available to new customers only who buy a combined buildings and contents policy and have 5 years claims free. The 40% discount consists of a discount for buying a combined building and contents insurance policy and a discount for having 5 years claims free. Smaller discounts apply if you have been claims free between one and four years. Discounts are applied consecutively. Minimum premiums apply. Discounts do not apply to any additional optional cover such as Personal Legal Protection. RIAS reserves the right to amend or withdraw these discounts at any time.

 

Motor No Claims Discount Protection

You could benefit from No Claims Discount Protection providing you have held insurance for the last 4 or more years without a claim. This benefit allows you to have up to 2 claims in 3 years without affecting your No Claims Discount. No Claims Discount Protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault. Other factors can also increase the price of your policy. 

 

Up to £75 for home cancellation fees

Please note: If you do not have the maximum number of no claims years with your current provider and you switch your home insurance to RIAS before your renewal date, it may affect your no claims discount. Cancellation notice periods and refunds differ between insurers, so ask your current provider for further details. You should not cancel your current cover until your RIAS policy has been set up.

To be eligible for the offer, you must purchase a new RIAS Home Insurance policy from 1st September 2015 onwards and provide proof of cancellation and the fee from your existing insurer within 90 days of the start date of your policy. RIAS will pay the cancellation fees only, and no other fees, charges or money owed, up to the value of £75. A cheque made payable to the first named insured will be issued within 20 working days of receipt of proof of cancellation. The offer may be withdrawn any time, but such withdrawal will not affect the offer in respect of policies purchased before the withdrawal date.

How to claim back: send RIAS a confirmation from your insurer showing cancellation and the fee paid to: customerservice@rias.co.uk or RIAS Customer Services, Deansleigh House, Deansleigh Road, Bournemouth, Dorset BH7 7DU. Include your new RIAS policy number and the title “Claim-back cancellation fee”.

If you have any queries please contact Customer Services on 0345 234 0117.

 

Up to £75 for car cancellation fees

Please note: If you do not have the maximum number of no claims years with your current provider and you switch your car insurance to RIAS before your renewal date, it may affect your no claims discount. Cancellation notice periods and refunds differ between insurers, so ask your current provider for further details. You should not cancel your current cover until your RIAS policy has been set up.

To be eligible for the offer, you must purchase a new RIAS Car Insurance policy from 1st September 2015 onwards and provide proof of cancellation and the fee from your existing insurer within 90 days of the start date of your policy. RIAS will pay the cancellation fees only, and no other fees, charges or money owed, up to the value of £75. A cheque made payable to the first named insured will be issued within 20 working days of receipt of proof of cancellation. The offer may be withdrawn any time, but such withdrawal will not affect the offer in respect of policies purchased before the withdrawal date.

How to claim back: send RIAS a confirmation from your insurer showing cancellation and the fee paid to: customerservice@rias.co.uk or RIAS Customer Services, Deansleigh House, Deansleigh Road, Bournemouth, Dorset BH7 7DU. Include your new RIAS policy number and the title “Claim-back cancellation fee”.

If you have any queries please contact Customer Services on 0345 234 0117.

 

£75 M&S gift card Life Plan offer

 

Terms and conditions last reviewed and updated 7th April 2016.

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