Everything you need to manage your policy

We want to make it as easy as possible for you to manage your insurance policy. That's why you can manage your account online 24/7 with no administration charges – meaning you can make adjustments when it suits you. You can: 

• Update your personal details
• View and download your policy documents
• Amend your policy
• Renew your policy

Step 1

Click here to create your online account. If you already have an online account please log in.


Step 2

You'll then need to fill in our registration form. Have your policy number or web reference to hand, which you'll find at the top of your welcome email. Just so you know, this is case and format sensitive. Once you've entered all your details, click 'Create An Account'.

Step 3

When you've finished, you’ll see a message thanking you for registering. We'll send you an email to activate your new account shortly afterwards. Please check your spam folder in case it's not gone straight to your inbox. To complete your registration, just click the link in the email and go to the login page below. 

Once you've successfully signed in, you'll be able to take advantage of all sorts of online services, including viewing your policy documents, uploading your No Claims Discount documents, and making changes to or renewing your policy.

If you have any other queries about your online account, please speak to us via Live Chat or give us a call us on 0345 234 0119. Our lines are open 8:30am – 8pm Mon-Fri and 8:30am – 4pm Saturday.

We'll get in touch with you if we need to see proof of your No Claims Discount. 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.

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

What we’re after as acceptable proof is either a full renewal invitation, a cancellation letter or a Proof of No Claims Discount letter from your previous insurer. Whichever option you go for, you’ll need to include:

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

Uploads 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 reset your password yourself here.
• You'll be asked to input your username and the answer to your security question that you originally set up.
• We'll then send you an email with a link. Click the link and you'll be asked to create a new password before being logged in.

• You can retrieve your username yourself here.
• This will take you to a page where you'll be asked to input your surname, date of birth and post code.
• Once confirmed, we'll send you an email that contains your username.

Make sure that you are using the correct username and password (these may be case sensitive). If the issue persists, use the ‘forgotten username’ and ‘forgotten password’ links to reset these details so you can log in. 

You are not able to make changes to your insurance policy in your online account if:

• Your policy hasn't started yet.
• Your policy is coming up for renewal.
• Your policy has been renewed, but you have not yet passed the renewal date.

For car insurance policies, you won't be able to make changes until your proof of no claims discount has been accepted, if we have asked for it.

If any of the above apply to you, please contact us on the phone to make your changes. In these instances, we will not charge you a fee for your changes, although your insurance premium may still be affected by them.

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 need any help with this, please contact us via Live Chat, email or give us a call on 0345 234 0119.

If you have a Rias Car Insurance policy, you will have fully comprehensive cover to drive in EU countries for up to 90 days.

This remains unchanged during the transition period that begins on 31 January 2020 and continues until the end of 2020. So, if you’re planning a trip that is completed before then, nothing changes for you.

For those planning to drive in the EU after the transition period, we will provide advice later in 2020 as arrangements become more certain. You can find more information on our  Driving in Europe page.

To add a temporary driver you'll need to contact us on 0345 234 0119.

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.

You can view all your documents in your online account. Once you’re logged in, head to the ‘My Car’ or 'My Home' page and click on the ’Your documents’ tab. Here you will be able to see all your documents, to open a document just click on the view button next to it.

There’s no charge to make a change to your policy through your online account. However, you will be charged an administration fee if you choose to make your change by calling us on the phone.

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.