Car insurance

Defaqto 5 Star Rated cover

Rias are part of Ageas, who provide insurance to over 4 million* motor, home, travel and business customers.

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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
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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.

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.

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Get in touch

Supporting all customers

Life can bring challenges, and we understand this can look different for all our customers. We’re committed to working in a way that supports your individual needs and circumstances. If you’re experiencing financial difficulties, are facing a challenging life event or need help with the way that we communicate with you, we’d like to help.

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

View our policy documents

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

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

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Make a claim 24/7

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

Mrs L Coulson, Brixham

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Already a customer?

Have we asked for your proof of No Claims Discount?

Find out how to provide it quickly and easily.

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 or contact us via Live chat.

Am I covered to drive in Europe?

The United Kingdom (UK) left the European Union (EU) on 31st January 2020 with a Withdrawal Agreement and subsequently entered into a transitional period which ended on 31st December 2020.

Since the UK Government announced the confirmation of a trade deal at the end of 2020, anyone wishing to drive their vehicle outside of the UK from the 1st January 2021, had been required to carry a Green Card.

The European Commission has announced that with effect from the 2nd August 2021, UK drivers will no longer be required to carry Green Cards when driving their vehicle in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland. Please note that a Green Card may still be required to drive in other countries, including: Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey and Ukraine. For more information, please visit:

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:

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.

Why do I have an outstanding balance message on my account?

There could be a few reasons you have an outstanding balance on your account, such as the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car or home online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

My policy has been cancelled, but I have an outstanding balance on my account.

If you have an outstanding balance notification on your car or home online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

Can I make a payment online?

Yes, you can easily make a payment online if there is an outstanding balance on your car or home account. Just log in to your online account and click ‘Pay outstanding balance’ and we will guide you through the process.

Can I change my address online?

For Rias Car and Home insurance customers, yes it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we will guide you through the process.

For Rias travel insurance customers, simply log into your online account where you can make the changes. You can also email or contact us.

* Rias provides car insurance from Ageas, who are one of the UK’s largest car insurers* and insure over 4 million general insurance customers in the UK.

**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.