Car insurance

Car insurance from £154*

Mint coloured car with Rias personalised plate

*10% of customers paid this or less

*10% of new car insurance customers paid £154 or less (1st May – 31st Jul 18). Premium depends on individual circumstances, payment method and cover chosen.

Comprehensive car insurance packed with:

  • Courtesy car provided as standard - whilst your car is being repaired by an approved repairer
  • Uninsured driver promise** - if your car is hit by an uninsured driver your excess will be reimbursed and your no claims discount reinstated
  • 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
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Defaqto 5 star rating 2013-2018  car insurance logo


Car insurance

Get a quote for our Defaqto 5 Star rated car insurance

Why choose Rias Car Insurance:

  • 24/7 market-leading UK claims service
  • Lifetime guarantee on repair workmanship by one of our approved repairers††
  • Emergency overnight accommodation if your car can't be driven after an accident^^

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

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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.

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

Customers rate us great on Trustpilot

View our policy documents

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

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Five star defaqto rated

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

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Market-leading UK claims service† - available 24/7

Provided a friendly and efficient service with the minimum of fuss. Very helpful person handled my claim.

Mrs E Mardon, Exeter

Your news and guides

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

What could the future of driving look like?

There’s never been a more exciting time for the automotive industry. We’re on the cusp of a revolution, and technology is about to transform the way we drive forever. But what exactly are the biggest companies in the business drawing up right this second? Take a look at the future of driving.

Future of driving

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.

How can 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.

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.

^Read the terms and conditions

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

†Motor claims service awarded ServiceMark accreditation from the Institute of Customer Service by measuring up to the Institute’s customer service standards and demonstrating on-going commitment to customer service excellence.

 If you make a claim and use one of our approved repairers, all workmanship comes with a guarantee for as long as you own the car. 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 deterioration is through normal usage.

^10% of new customers paid £94 or less (1st May – 31st Jul 18) for our combined buildings and contents cover. Premium depends on individual circumstances, payment method and cover chosen.

^^Overnight accommodation will be reimbursed up to £50 per person (max. £250 per claim).