Car insurance as it should be

Defaqto 5 Star rated cover

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What’s covered with Rias car insurance

Rias	Included
Courtesy car
Onward travel promise
Child car seat
Wrong fuel cover
Driving in the EU (90 days cover)
Uninsured driver promise
Audio, satnav and entertainment equipment
Accidental or malicious damage, or vandalism
Lifetime guarantee on repairs made by our approved repairers
Windscreen repairs (by our approved repairers)
Windscreen replacement (by our approved repairers)
Fire, theft and attempted theft
Personal accident cover
Personal belongings
Medical expenses
Replacement locks and keys
No claims discount protection	Optional
RAC breakdown cover	Optional
Legal expenses cover	Optional
Replacement car cover	Optional

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Driving an EV?

Our Defaqto 5 Star rated car insurance is suitable for EVs and hybrids and includes cover for your battery, charging cable, charger and liability.

Insurance for EVs

Optional cover for added peace of mind

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Breakdown cover, from £36.00 a year

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Motor Legal Expenses from only £21.75 a year

Two cars side by side

Replacement Car cover only £25.15

Home insurance

Defaqto 5 Star rated cover. Get a quote in minutes to see what you could save.

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Travel insurance

Our gold and platinum levels of cover are 5 Star rated by the experts at Defaqto.

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Existing customers

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Help & support

Looking for help with your policy, a quick answer to a query or you just need to get in touch with us, visit our help hub.

Help and support

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Claims

Do you need to make a claim or manage an existing claim? Log into the claims hub to register a new claim or get an update.

Make a claim

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No Claims Discount

If you need to send us your No Claims Discount (NCD), here's a quick summary of what we need and the best way to send it.

No Claims Discount

We're here to support you

If you’re finding things challenging, we have resources to help:

Policy help for questions and support with managing your policy.

Communication preferences to ask that we communicate with you in different formats, such as large print or braille.

Financial support if you're struggling to keep up with payments.

You can also visit our support page or chat to us anytime.

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.

Whether you're covered to drive someone else's car depends on the cover you've chosen. It's not something that can be added as an extra to your policy.

If you're already insured with us, the easiest way to check is by looking at your Certificate of Motor Insurance. This will confirm whether you have cover to drive other vehicles.

If you're getting a quote and would like to know whether this cover is included, give us a call or get in touch and we'll be happy to help.

If you're driving in the EU, including Ireland, you will only need to provide evidence of insurance, with your certificate of insurance. The same applies in Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia and Switzerland.

If you're travelling to other countries, including Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey or Ukraine, you may need a Green Card before you travel. You can find the latest guidance on the UK Government website.

A Green Card is an international insurance certificate that proves you have the minimum level of cover needed to drive in certain countries.

Your Rias Car Insurance provides full policy cover for trips in Europe of up to 90 days. This means you can enjoy your journey knowing you have the same level of protection abroad as you do at home.

We automatically check your No Claims Discount, so there's no need to upload proof yourself.

We’ll only ask for proof of your No Claims Discount (NCD) if we need it.

If we do, we’ll get in touch.

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.

When you change cars, you'll have a temporary crossover period to help you switch from your old car to your new one.

This is only to allow for the changeover and does not provide ongoing cover for both cars. If collecting your new car is delayed, your old car will remain covered until midnight on the day the change takes effect.

If you're unable to collect your new car before then, please get in touch and we'll be happy to help.

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, you've missed a payment or your policy may have been cancelled.

If you have an outstanding balance, it's best to speak to us as soon as possible, please get in touch via our virtual assistant.

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.

Depending on your policy, you may be able to make a payment online, the quickest way to check is to log in to your Account and follow the steps.

Alternatively, please get in touch via our virtual assistant and we'll be happy to help.

It’s easy to change your address online. Simply log in to your Account and follow the steps.

For Rias travel insurance customers, simply log in to your Account where you can make the changes. You can also email service@rias-travel.co.uk or contact us.

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1 Rias' claims service is provided by Ageas Insurance Ltd.

2 Rias provides car insurance from Ageas. Ageas Insurance Ltd are one of the UK’s largest car insurers, providing insurance to over 4 million customers in the UK to protect their cars, home, travel and business.