Car insurance

Buy 12 months Legal Expenses cover for just £5*

SPECIAL OFFER: Buy 12 months Motor Legal Protection for just £5* (normally £29.60)

Mint coloured car with Rias personalised plate

Comprehensive car insurance packed with:

  • Uninsured driver promise** - if your car is hit by an uninsured driver your excess will be reimbursed and your no claims discount reinstated
  • Courtesy car included as standard† - whilst your car is being repaired by our approved repairer
  • Make a claim 24/7 with our UK-based claims service
A grey car driving down a countryside sunny road
Defaqto 5 star rating 2013-2021 car insurance logo

Car insurance

Get a quote for our Defaqto 5 Star rated car insurance

Why choose Rias Car Insurance:

  • Wrong fuel cover†† - we’ll pay to drain and flush your fuel tank as well as cover any damage to your engine if you accidentally put the wrong fuel into your car
  • Lifetime guarantee^^-  if you make a claim and choose one of our approved repairers all workmanship comes with a guarantee for as long as you own the car 
  • Onward travel cover -  if you are in an accident and your car can’t be driven we can arrange transport for you and your passengers to get home or to your planned UK destination
     

Find out more here or for full cover details please read our policy documents.

Two young women in a convertible smiling
Green Rias car

Brexit information

Please visit our dedicated page for information about driving in the EU from 1st January 2021.

Don't just take our word for it...

Customers rate us great on Trustpilot

ServiceMark Accredited by the Institute of Customer Service logo 2021 - 2024

Excellent Customer Service

Recognised by the ICS for our excellent level of customer service.
Mint green car front

Already a customer?

Have we asked for your proof of No Claims Discount?

Find out how to provide it quickly and easily.

View our policy documents

Read our policy documents and find the right level of cover for your needs.

Working on a laptop outside

5 Star car insurance as rated by industry experts Defaqto for the ninth year

The back of a mint green coloured car with a personalised Rias plate

Make a claim 24/7

"Quick, easy and efficient. A difficult situation for us solved quickly. Very impressed."

Mrs L Coulson, Brixham

Your news and guides

From industry updates to handy hints, our news and guides section keeps you in the loop.

Brexit: Can I drive my car in Europe after the 1st January 2021?

Find out what may change after the 1st January 2021, if you're planning to drive your car in Europe after the transition period.

Traffic on European motorway

Frequently asked questions about our car insurance

If I have an accident, will I get a courtesy car?

Yes, you'll be given a courtesy car while your car is being repaired by an approved repairer. We also offer replacement car cover as an optional extra.

Does my policy cover me to drive other cars?

The possibility of driving other cars under your car insurance policy depends on your individual requirements and cannot be added for an additional charge.

If you already have a policy with us and would like to know if you're covered to drive other vehicles, please check your Certificate of Motor insurance.

If you want to get a car insurance quote and would like to know whether driving other cars is included, please call us on 0800 183 9201 or contact us via Live chat.

Am I covered to drive in Europe (from 1st January 2021)?

We want to reassure you that you’re still covered by the terms of your car insurance policy if you’re considering taking your vehicle outside of the UK from 1st January 2021. The UK Government has announced that discussions with the EU to agree the terms of the future relationship between the two have been successful, and a trade deal has been confirmed. However, not all of the details are fully known. Until such time as we know what the specific terms are, you may need to take a few additional steps in order to drive in the EU/European Economic Area (EEA).

Currently, you will need to carry a Green Card with you when you travel outside the UK in your vehicle from 1st January 2021.

A Green Card is an International Motor Insurance Certificate which evidences that your current insurance policy provides the necessary minimum level of cover for driving in the EU country you are travelling to or through. While we await further details, it is best to carry your Green Card for all journeys to the EU or EEA. In addition to the basic cover which the Green Card gives you, your insurance policy provides you with full insurance cover for up to 90 days. 

You can find more information on our Driving in Europe page.

How do I provide my proof of No Claims Discount?

We'll get in touch with you if we need to see proof of your No Claims Discount (NCD). If we've already contacted you, you can provide your proof of No Claims Discount by uploading it in your online account. Just so you know, if we ask you for proof of your No Claims Discount, you’ll need to send it to us within 14 days of purchase, otherwise we’ll have to cancel your policy and won’t be able to restart cover for you.

What to do

Once you're logged in, click ‘upload documents’. You can add your No Claims Discount file here, which will be sent to us to review.

If you haven't registered for an account yet, you can create your account here.

Alternatively, you can post your proof of No Claims Discount to the following address:

Rias
Deansleigh House, Deansleigh Road
Bournemouth BH7 7DU

Note: Please do not send your proof of NCD to any other postal address, as this may mean we are unable to process it or start your policy.

Once we’ve received your proof we'll then contact you to confirm it is acceptable or let you know if we need any more information.

What we accept

The documents we accept as proof of your No Claims Discount will have to be either a renewal invitation, a cancellation letter or a Proof of No Claims Discount letter from your previous insurer. Whichever option you go for,  the document you submit to us will need to include:

  • A letterhead that clearly identifies your previous insurer
  • Your previous policy number
  • Your previous policy expiry date
  • Your name
  • Your No Claims Discount in years

The document you upload through your account can be in a variety of formats, including Microsoft Word, PDF, or a photo in the following formats: GIF, PNG, JPG, JPEG and JPE. Just make sure your document is less than 3MB.

You can send original copies, photos or screenshots, as long as we can see the whole document.  Please send all pages on any letters you are using for proof. We’re happy to accept your proof as a single file.

Can I switch to Rias before my renewal date?

Yes, you can even claim back any cancellation fees you're charged by your current insurance provider, up to the value of £75. Terms and conditions apply.

If I change my car and update my policy, will my old car still be insured for a short time?

No – cover on your old car will end as soon as the cover on your new car begins. If you’d like to keep your old car insured after you pick up your new car, you can add it to your policy as a temporary vehicle at an extra cost.

**Providing the accident wasn’t your fault. Make, model and registration of other vehicle needed.

†Excludes cars written off or stolen and unrecovered.

††Replacement fuel costs are not covered.  

^^Subject to the vehicle being maintained in accordance with the manufacturer routine maintenance schedule. Defective parts will be replaced without charge as long as they are covered by the part manufacturer’s warranty. Failure of components or bodywork damage will not be covered if failure or deterioration is through normal usage.

*Buy 12 months Motor Legal Protection for just £5, after which it will revert to our standard price at that time. Our standard price is currently £29.60. This offer is only available to new customers, purchasing before 15th December 2021. We reserve the right to withdraw this offer at any time but will honour the price for quotes obtained before the date of withdrawal.