Car insurance help

Renew my policy

It’s great to hear you are renewing with us. If you have opted for automatic renewal then as long as your payment card or bank details are still correct your policy will automatically renew.

Your policy will be renewed up to five days before your renewal date. You can change your auto-renew consent at any time before your renewal in your Account. Otherwise you will need to speak to a Customer Specialist if you would like to renew.

If you’re not sure if you have already selected auto-renewal then please check in your Account, or speak to a Customer Specialist who will be happy to help.

Stop my renewal

Sorry to hear you do not wish to continue your policy. 

If you have received your renewal invitation and would like to cancel it, you’ll need to contact us. Please speak to a Customer Specialist who will be happy to help you. 

Make a change to your car policy during renewal

If you have received your renewal invitation then you’ll need to contact us to make any changes to your policy. You can speak to a Customer Specialist 

Read our guide to your car insurance renewal quote

I don't want to renew my policy

Sorry to hear you do not wish to continue your policy. You can change your auto-renew consent at any time before your renewal in your Account.

There is no charge for changing your mind. If you choose not to have auto-renewal, you will need to contact us at renewal to ensure you remain insured.

If you have received your renewal invitation and would like to cancel it, you will need to contact us. Please speak to a Customer Specialist who will be happy to help you.

If you chose not to auto-renew your policy, then your policy will lapse and you will not be covered.

What does consent to auto-renew mean?

Consent to auto-renewal means you are giving us permission to renew your policy without you having to do anything other than check the information we hold for you remains correct.

When you give your consent to auto-renew your policy, Rias will issue your renewal documents and inform you that the policy will auto-renew without any intervention from you.

The consent will remain in force unless you change it or the policy is cancelled.

If you choose not to have auto-renewal, you will need to contact us at renewal to ensure you remain insured. You can change you auto-renew preference at anytime by logging into your Account.

Why should I choose to auto-renew?

Auto-renewal gives you peace of mind that your insurance will remain in place when it comes to your renewal.

When you give your consent to auto-renew your policy, Rias will issue your renewal documents and inform you that the policy will auto-renew without any intervention from you.

The consent will remain in force unless you change it, which you can do at anytime or if the policy is cancelled.

If you chose not to auto-renew your policy you will need to contact us to complete your renewal. If you don’t contact us then your policy will lapse and you will not be covered.

Can I change my consent for auto-renew?

You can change your auto-renew consent at any time before your renewal in your Account. There is no charge for changing your mind.

If you choose not to have auto-renewal, you will need to contact us at renewal to ensure you remain insured.

Do I need to provide my proof of No Claims Discount (NCD)?

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.

Add No Claims Discount Protection (NCDP)

Please be aware you are not able to add No Claims Discount Protection (NCDP) once your policy has already started. This can be added at your renewal if you are eligible. You can check if your No Claims Discount is protected in your documents, in your Account.

If you are unable to find these, please get in touch with one of our Customer Specialists who will be happy to help.

No Claims Discount on multiple vehicles

Please be aware you can only use your No Claims Discount on one vehicle at any time. If you are currently using your No Claims Discount on another vehicle, you cannot use it on the vehicle you are insuring with us.

If you need to speak to us, please get in touch with one of our Customer Specialists who will be happy to help.

How can I get my proof of No Claims Discount

If your policy has ended with us, you can use your Renewal Quote or Lapse Letter from us as proof of no claims for your new insurer.

These will both be available in your Account by selecting 'My Documents' tab or in your emails if you receive your documents that way.

If you are unable to find these, please get in touch with one of our Customer Specialists who will be happy to help.

Your proof of no claims can only be issued once your policy has ended.

Is there a maximum number of years I can earn for my No Claims Discount?

Your No Claims Discount builds up over time, but most insurers set a limit on how many years you can earn. This limit varies between insurers, at Rias, the maximum is 9 years.

What happens to extra years I've built up?

You've still earnt those extra years, and they're safely kept on record. It just means you've reached our maximium discount level once you hit 9 years.

What will my documents say?

If you declare more than 9 years, your documents will show 9 years No Claims Discount. Not to worry, any years over 9 haven't been lost, they're still on record.

Breakdown cover

We offer multiple levels of breakdown cover, powered by the RAC, from £36 a year.

• Level one: Roadside Assistance
  If you breakdown over a 1/4 mile from home, the RAC will help at the roadside or recover you and your vehicle to a destination within 20 miles of the breakdown.
• Level two: Comprehensive Gold
  If you breakdown anywhere in the UK, the RAC will help at the roadside, recover you and your vehicle to a destination of choice or offer overnight stay or alternative transport.
• Level three: Total Protection
  If you breakdown anywhere in the UK, the RAC will help at the roadside, recover you and your vehicle to a destination of choice or offered overnight stay or alternative transport. This cover includes assistance in Europe.

Find out more about our Breakdown cover.

If you would like to add this to your policy, please get in touch with one of our Customer Specialists

Don't forget you may already have Breakdown cover with another provider.

Motor Legal Expenses cover

We offer Motor Legal Expenses cover provided by the RAC, for only £21.75 a year. Just add this to your current Rias Car Insurance policy for up to £100,000 of cover for you, your passengers, and your car if you’re in an accident, which was the fault of another insured and identifiable person.

Find out more about Motor Legal expenses cover.

If you would like to add this to your policy, get in touch with one of our Customer Specialists

Don't forget you may already have Motor Legal Expenses cover with another provider.

Replacement Car cover

Replacement Car cover can be added to your policy for £25.15 a year. This optional cover gives you a hire car for up to 21 continuous days if your vehicle was written off or stolen, so if the worst happens you can get back on the road and carry on as normal.

Find out more about Replacement Car cover.

If you would like to add this to your policy, get in touch with one of our Customer Specialists

Don't forget you may already have Replacement Car cover with another provider.

Before you make a claim

Check that you are covered by reading your policy documents, just log in to your Account.

If you're having trouble finding your documents, please get in touch.

What you need to know

• It's better to make a claim before you get any repairs carried out
• Tell us about an incident even if you are not claiming for your damage
• The sooner you report your claim it could reduce the overall cost of the claim.

What you need to do

• Check you're covered
  The easiest way to view your policy documents is in your Account.
• Check your excess
  You can check this, your cover limits and details of endorsements in your Statement of Fact or Schedule of Insurance which can be found in your Account.

What you need when you make a claim

• Your policy number. You can find this in your policy documents in your Account
• Details of what happened, where and when
• Photos of the damage to the car(s) or dashcam footage 
• Any witness contact details 
• Third party details, including their vehicle registration and details. 

The more details you can give us, the quicker we can progress your claim. 

If you're having trouble finding your documents or need assistance, please get in touch. If you would prefer to speak to someone please call 0345 266 8670 and we'll be happy to help.

Start your claim

How to make a claim

Once you're ready to make a claim, just follow the steps below:

• Have your policy number ready, you can find this in your policy documents in your Account
• Go to our online claims hub
• Enter your policy number to find your policy
• Enter the date of the incident
• Select Find my policy
• Follow the steps to start your claim

What happens next? We’ll usually:

• Check that you’re covered by your insurance
• Confirm how much excess you’ll need to pay
• Send you a secure link so you can upload photos or documents
• Review your claim and keep you updated.

hIf you need help or would like to speak to someone, please call 0345 266 8670 or get in touch with us via our virtual assistant.

What if you've missed a payment

If you've missed a payment, we'll be in touch using your preferred contact method. You may also receive a letter in the post.

Please read any messages carefully, as they'll explain what happens next and any steps you may need to take. If you have any questions, we're here to help.

If we're taking your payment again

If you're happy with the new payment date shown in your email or letter, you don't need to do anything. Just make sure there's enough money in your account at least 3 working days before the payment date.

If you need to make a payment, change your payment date or talk through your options

We're here to help. Simply get in touch with one of our Customer Specialists and we'll guide you through the next steps.

Problem making a payment

If you're finding it difficult to make your payments, please let us know as soon as you can. We're here to help and can talk through the options available to you, including moving a payment date or reviewing your cover.

Chat with one of or Customer Specialists and we'll do our best to find a solution that works for you.

Haven’t got a payment code for Strong Customer Authentication (SCA)

This is managed by your bank or building society, so you should contact your card provider who will be able to provide you with further assistance.

For help with any other payment related questions, please get in touch with one of our Customer Specialists.

Putting you in control, your Account is the quickest way to manage your car policy, and costs less too.

• Review your cover and make changes online, e.g. add or remove driver, change address or vehicle details
• Review and complete your policy renewal
• Make a claim easily online

Need help? We’re here for you.

Having trouble logging in?

Don’t worry — we’re here to help you get back on track quickly and securely.

• Check your details first
  
  Make sure you’re using the same email address and password you used when you set up your account.
  
  
• Forgot your password?
  No problem. Simply go to the log in page, select ‘Forgotten your password?’ and follow the steps to reset it.

Still not working?

A few quick checks can help:

• Check your inbox (and junk or spam folder) for password reset emails
• Make sure your internet connection is stable
• Try using a different browser or device

Simple steps can often fix the issue.

Locked out of your Account?

If you’ve tried signing in several times, your Account may be temporarily locked for security.

Give it a short while, then try again.
It’s how we help keep your information safe.

Need more help?

If you’re still having trouble, our team is ready to support you. Simply get in touch with one of our Customer Specialists and we’ll get things sorted as quickly as possible.

How do I log in to my Account?

Step 1

Go to the log in page.
Enter the email address you used to set up your policy, then choose Next.

Step 2

• Check your inbox (and junk or spam folder) for an email from Rias.
• Open it and select the secure link to sign in, no password needed.
• Can’t see it? It may be in your spam folder.

Step 3

• Select 'Log in to your Account'.
• You’re in.
• View your documents or make changes to your policy in a few clicks.

Didn’t get the email?

• Check your spam or junk folder
• Make sure you’ve entered the email address you used to set up your policy.

Link not working?

Your login link is valid for 30 minutes. If it expires, please request a new one.
Requested more than one link? Just make sure you’re using the most recent email.

Still having trouble?

Step 1

• Select ‘Log in to your Account’, then choose ‘Need help?’ in the top right corner.
• This will open our Virtual Assistant, so you can start a chat.

Step 2

• You’ll be asked if you have an existing policy. Select ‘Yes’, then choose motor, home or travel.
• Enter your policy number, or information such as your address or car registration.

Step 3

Choose the option you need from the menu:

• To update your email, select ‘Change email address’
• If your email is correct, select ‘Problems logging in’ or ‘Something else’ and type: Can I talk to an agent
• We’ll connect you to someone who can help.

What you can do in your Account

Your Account is the quick and easy way to manage your policy online, simply log in to make the following changes:

• Change of title or name
• Update marital status
• Change access to other vehicles
• Change occupation
• Change of address
• Change of vehicle
• Change of registration / personalised plate
• Change annual mileage
• Change class of use
• Change number of cars in the household
• change the owner/keeper of the car
• Add, edit or remove named drivers
• View and access documents
• Renew policy and manage auto-renewal

For help with something else, please get in touch and we'll be happy to help.

If you are facing a difficult time, we want to do our best to help and would like to speak to you directly. Please get in touch with one of our Customer Specialists or if you'd prefer to speak to someone you can call us on 0345 165 5789.

If you need to tell us about a bereavement for a home insurance customer, you can also complete the form below.

Report a Bereavement for Home insurance customer

How do I cancel my policy?

If you would like to cancel your policy, please speak to a Customer Specialist and we will be happy to help you.

Please be aware that there is a legal requirement to keep your car insured if it is on a public road.

Cancellations and 'cooling off'

You have 14 days from the date you buy your insurance to change your mind. This is known as the cooling-off period.

If you cancel within these 14 days, we'll charge a reduced cancellation fee. Depending on when your policy starts, you may also be entitled to a full refund of your premium.

If you've bought any optional cover and decide to cancel during the cooling-off period, you'll receive a full refund.

Cancelling after the cooling-off period means you pay for the time you've been covered, plus the standard cancellation fee.

If you've made a claim, or something happens that we'd cover under this policy or optional cover you won't receive a refund of any premium you've paid. If you pay for your insurance on a monthly basis, we'll also ask you to pay the remainder of the year's premium.

Cancellation fees vary depending on your policy and product. You can find details of our fees and any refund you're entitled to in your policy documents in your Account.

If you're having trouble finding any of your documents, please get in touch and we'll be happy to help.

What to do if the policy holder has passed away?

When you are facing a difficult time, we want to do our best to help.

If you need to tell us that the policy holder has passed away, please call us or get in touch with a customer specialist, our team is ready to support you.

Why has my policy been cancelled?

If your policy has been cancelled, please get in touch with one of our Customer Specialists or call us and we will be able to help.

Lines are open 8.30am - 6.00pm Monday to Friday and 8.30am - 4.00pm on Saturdays.

Need more help?

If you’re still having trouble, our team is ready to support you, simply get in touch and we’ll get things sorted as quickly as possible.

View policy information

It's easy to find your policy information, just log in to your Account where you can access:

• Policy documents
• Fees and charges
• Motor certificate
• Schedule of Insurance or Statement of fact
• Terms of Business or Your Agreement

You can also find these in your policy confirmation email, when you took out your policy.

If you're having trouble finding any of your documents, get in touch with one of our Customer Specialists and we'll be happy to help.

Large print / Braille documents

If you would prefer your documents in a different format, such as large print or braille, please get in touch with one of our Customer Specialists and they’ll be happy to help you.

Temporary cover request

We no longer provide temporary cover for drivers or vehicles. 

If you need to make a permanent change to your policy, you can do this via your online account or by speaking to one of our team through our Virtual Assistant.

Change car
You can get a quote to change the car you currently have insured by:

• Logging in to your online account and pressing the "Manage Policy" button.
• Under Car Details click "Replace Current Car".
• Enter the start date of the change and click "Confirm & Continue".
• Update the relevant boxes with your change.
• Click "Show Price".
• Click "Buy" to activate the change or "Back to your Policy" to not activate the change.

Change number plate
You can change your registration number by:

• Logging into your online account and pressing the “Manage Policy” button.
• Under Car Details click “Change Car Details”.
• Enter the start date of the change and click “Confirm & Continue”.
• Update the registration number but DO NOT click "Find my Car".
• Click “Show Price”.
• Click “Buy” to activate the change or “Back to your Policy” to not activate the change.
• If you have already clicked “Find my Car”, please cancel the change and start again.

Change address
You can get a quote to change your address by:

• Logging into your online account and pressing the "Manage Policy" button.
• Under Your Details click "Amend Your Details".
• Enter the start date of the change and click "Confirm & Continue".
• Click "Amend Your Contact Details". This will expand your details.
• Update the relevant boxes with your change.
• Click "Show Price".
• Click "Buy" to complete the change or "Back to your Policy" to undo the change.

Add driver
You can get a quote to add or remove a driver by:

• Logging in to your online account and pressing the "Manage Policy" button.
• Under Drivers click "Amend Drivers".
• Enter the start date of the change and click "Confirm & Continue".
• Update the relevant boxes with your change.
• Click "Show Price".
• Click "Buy" to activate the change or "Back to your Policy" to not activate the change.

If you would like to call us about your car insurance you can contact us on 0345 165 5773. 

Lines are open 8.30am - 6.00pm Monday to Friday and 8.30am - 4.00pm on Saturdays.