Home insurance from £99*

Our home insurance is packed full of benefits

  • 24/7 access to our market-leading claims service*.
  • Up to £50,000 contents and £1 million buildings cover.
  • Acidental damage cover to laptops, tablets, computers, audio equipment and TVs included as standard.
  • New for old replacement on damaged or stolen items*.


Terms and conditions apply.

A welcome door mat by an open door next to a pair of red wellies

*Read the terms and conditions

Topcashback terms and conditions

  • Cashback will not be paid if a saved quote is used. You must click the TopCashBack link, generate a new quote for a Rias combined buildings and contents home policy and make your purchase immediately and wholly online. This will ensure the policy is tracked correctly for you to receive cashback.
  • TopCashBack and Rias will start the validation process 90 days after the policy purchase date; if you cancel your policy within these 90 days your cashback will be declined.
  • Cashback should be confirmed and with you within a further 3 months, from the expiry of the 90 day period.
  • For all queries relating to cashback you should contact TopCashBack. All cashback will be issued by TopCashBack and not Rias.
  • Cashback rates are subject to change up and down and this offer may be withdrawn or amended at any time.

*Home insurance from £99

10% of new customers paid £99 or less between 1st March – 30th June 2017 for our combined buildings and contents cover. Actual premium depends on individual circumstances, payment method and cover chosen. 

*Household claims service

Household claims service, provided by Ageas Insurance Limited, has been awarded ServiceMark accreditation from the Institute of Customer Service by measuring up to the Institute’s customer service standards and demonstrating on-going commitment to customer service excellence.

*New for old replacement

Excluding clothing and household linen over 3 years old. Terms and conditions apply.