Everything you need to manage your policy

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.

You can access your renewal invitation letter, which includes your no claims discount information, directly in your online account - even if your policy has already been cancelled.

Once you're logged in, click ‘Manage policy’ and access the documents section. You can then open your certificate and save it to your computer.

If you have any other queries about your online account, please use our virtual assistant who will be able 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.

To add a temporary driver, please use our virtual assistant who will be able to help, alternatively you can contact us by phone.

Before you get in touch with us for a replacement certificate, please make sure you have at least three of the following details to hand:

• Your policy number
• Post code
• The first line of your address
• Your chosen payment method, for example direct debit or credit card
• For car insurance – your car registration number

Your new certificate should be with you by post within seven to ten working days. Unfortunately we can’t email your replacement certificate.

The easiest way to view your policy information and documents is by logging in to your Account.

Once you've logged in, you will be able to access:

• Policy documents
• Your Agreement with Rias or Terms of Business, including Fees and charges
• Statement of Fact or Schedule of Insurance
• Motor certificate

You may also be able to find your documents in your policy confirmation email.

If you're having trouble finding your documents or accessing your account, please get in touch, we'll be happy to help.

You can use your Account to make most changes to your policy. Making changes online means a reduced admin fee. If you choose to make your change by calling us on the phone, the fee will be higher.

It's worth noting that changes made to your policy may impact your insurance premium, regardless of whether you've made them online or on the phone.

We’re committed to making your insurance renewal as simple as possible. So we don’t offer discounts, because the price you’ve received is the best price we can offer based on your current cover and the details we hold at this moment in time.

Strong Customer Authentication is a set of regulatory requirements introduced by the Financial Conduct Authority (FCA) which are designed to make online payments more secure for customers. SCA adds an extra layer of security when you make a payment online, offering you extra protection against identity and payment fraud.

The FCA are keen to make transacting online more secure and these changes should reduce the risk of fraud online.

The new SCA process means that the way your bank or payment services provider verifies your identity or validates a specific payment instruction is changing, when you make a purchase online of £30 or more.

SCA is a form of two-factor authentication (2FA) and uses two types of validation out of the three categories outlined below to verify your identity. Using this additional information, SCA checks that you are who you say you are, meaning you should feel confident using your card for online payments.

Two-factor authentication may already be familiar to you if you use online banking or shop online. The most common examples currently include, receiving a text message with a one-time use code, facial recognition or thumbprint id on your smart phone – both of these are an extra check to confirm it’s you making the payment.

There are three ways we can authenticate your identity, but we will only ever ask you for two at any one time, the categories are:

• Knowledge (something only you know) – such as a password, PIN, or secret answer
• Possession (something only you possess) – such as your phone, or smart card, or a token
• Inherence (a unique physical attribute) – such as a fingerprint, facial recognition, or voice pattern.

No, SCA is only required for online payments you make of £30 and above.

You should contact your card payment provider who will be able to provide you with further assistance to get this set up.