For full cover details please read our policy documents.
Putting you in control, it's the quickest and easiest way to manage your policy when it suits you!
No admin fee when you update your policy online. Your online account is a quick and easy way to manage your insurance.
Manage your accountIt’s quick and easy to make a claim 24/7 with our online claims service. Our UK-based claims team is on hand to help get things back to normal.
Make a claimLooking 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.
Find out how we can helpRead our policy documents and find the right level of cover for your needs.
| What's included? | Buildings | Contents |
|---|---|---|
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Maximum sum insured |
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Total valuables |
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Valuables in the home |
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Single article limit for valuables*** |
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Alternative accommodation |
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Replacement locks and keys |
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Fridge/freezer food |
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Theft of outbuilding / garage contents |
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Contents of outbuildings (other than theft) |
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Bicycle cover in the home |
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Contents of outbuildings (other than theft) |
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Bicycle cover in the home |
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| Optional covers you can select | ||
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Personal Belongings^ |
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Optional |
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Bicycle cover (away from home)*** |
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Optional |
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Legal expenses |
Optional | Optional |
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Home Emergency |
Optional | Optional |
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Accidental damage |
Optional | Optional |
| Events you're protected for as standard | ||
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Fire & earthquakes |
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Storm |
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Flood |
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Leaking or freezing water & leaking oil |
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Theft |
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Vandalism |
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Riots |
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Subsidence |
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Damage by moving objects |
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*This must be sufficient to rebuild the property if it were destroyed completely
**Can be increased up to £100,000
***Single items must be specified
^Personal Belongings Items over £1,500 amount can be specified individually
Here are some common things home insurance doesn’t cover:
From handy hints to the latest updates – stay in the loop with the topics that matter to you.
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.
Most amendments to your policy can be made by logging into your online account. If you don't have an account or want to find out more please click here.
^Key exclusions include damage due to misuse, wear and tear, cleaning, breakdown, scratching and denting; and excludes items such as CDs or records.
† 80.54% of Rias Home Insurance customers renewed with us between March - August 2023.
