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What is RIAS Car Insurance?

RIAS car insurance offers personalised plans that help UK drivers feel safe. They focus on great customer service and good prices. RIAS gives you the protection you need for things like accidental damage and uninsured drivers. The plans are a mix of options. Being part of Ageas Insurance Ltd, RIAS is backed by one of the largest insurers in the United Kingdom. It’s a smart choice for drivers who want flexible or strong cover. Their policies suit different drivers, especially those over 50. With RIAS, customers can enjoy benefits like:

  • Uninsured Driver Promise: If you get into an accident with a driver who has no insurance, RIAS promises that your no claims discount will stay safe. You will not have to pay any excess fees.
  • No Claims Discount: Drivers who do not make any claims can get a discount on their insurance costs. This helps lower their payments for the future.

Their policies are backed by Ageas Insurance Ltd. This means you get complete and trustworthy coverage. This is also regulated by the Financial Conduct Authority.

Key Features of RIAS Car Insurance

RIAS is made to help drivers no matter where they are in life. Here are some key features that make their policies stand out:

1. Replacement Car Cover

If your car is damaged or totalled, RIAS can help. They offer replacement car cover. This keeps you moving while your vehicle is fixed or replaced by an approved repairer.

2. Breakdown Cover

RIAS car insurance can be combined with optional breakdown cover. This adds help when you need it the most. Whether you are driving or at home, their service gets you back on the road quickly.

3. Window Glass Cover

If you have accidental damage to your windscreen or other windows, RIAS covers it. You won't have to worry about surprise repair costs.

4. Legal Expenses and Advice

Included in RIAS policies is legal expenses cover. This means you get the legal help you need if you have a disagreement. You also have access to legal advice, which can guide you through any issues you might face.

5. Wrong Fuel Cover

Filling your vehicle with the wrong fuel can cost you a lot. RIAS gives you wrong fuel cover in its complete policies. This offers you peace of mind for this common mistake.

RIAS Car Insurance Coverage Options Tailored to You

RIAS car insurance provides different levels of cover to meet your specific needs. Whether you want full cover details or a policy that fits your budget, they have options for every driver.

Comprehensive Cover

This option offers the best protection. It covers accidental damage, vandalism, fire, and theft. You can also add extra features like breakdown cover and legal expenses.

Third Party, Fire, and Theft

If you want a cheaper choice, RIAS provides third party, fire, and theft coverage. This protects you if you cause damage to other people. It also helps if your car is stolen or damaged by fire.

Additional Extras

RIAS has several optional extras to improve your coverage, including:

  • Legal Expenses: This covers costs for legal help related to accidents or disagreements.
  • Breakdown Cover: This gives you roadside help if your vehicle breaks down.
  • Uninsured Driver Promise: This protects you from accidents that happen because of uninsured drivers.

RIAS Car Insurance Reviews: What Do Customers Say?

RIAS offers many cover options. On Trustpilot, they have a TrustScore of 4.1 out of 5. This score comes from 10,354 reviews. A lot of customers like how easy it is to manage their policies online. They also appreciate the fast response when they make claims.

A breakdown of the reviews includes:

  • 67% of customers gave RIAS a 5-star rating.
  • 16% rated them with 4 stars.
  • 4% gave a rating of 3 stars.
  • 2% rated them with 2 stars.
  • 11% of customers gave a 1-star rating.
Trustpilot Reviews Breakdown for RIAS Car Insurance

How to Get a RIAS Car Insurance Quote

Getting a quote from RIAS is easy. You can do it through Free Price Compare. With our service, you can compare RIAS car insurance quotes and renewal options with other companies. This way, you make sure to find the best deal for your needs. To get a quote, you just need to share some basic information about your vehicle and driving history, such as:

  • Register your vehicle.
  • Decide on the level of cover you need (comprehensive, third party, fire, and theft).
  • Share details about any no claims discount you have.

Using Free Price Compare helps you see good prices. This is especially true for drivers over 50. It also makes sure you have the right coverage for your individual needs.

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Why Choose RIAS Car Insurance?

RIAS car insurance is a great option for drivers who want flexibility and strong coverage. Here are some reasons to think about them:

  • Uninsured Driver Promise: If you have an accident with an uninsured driver, RIAS will make sure your no claims discount stays the same. You also won’t need to pay an excess.
  • No Claims Discount: Drivers with a good record can enjoy a no claims discount. This helps lower the cost of insurance in the future.
  • Defaqto Rated: RIAS car insurance has a 5-star Defaqto rating. This shows that their policies are very complete and cover a lot.
  • Range of Claims: RIAS covers many different claims. This includes accidental damage, windscreen repair, and wrong fuel cover. They make sure you are safe in any situation.
  • Live Chat & Best Online Experience: You can manage your policy easily with their online account. You can access customer service and use live chat for quick help whenever you need it.

RIAS Car Insurance for Over 50s: Is It Worth It?

RIAS car insurance is very popular with drivers over 50. This is because it offers special policies and discounts just for them. Here are some reasons to think about it:

  • Special Discounts: RIAS gives special discounts for older drivers. This helps to lower the cost of their premiums.
  • Comprehensive Cover Options: RIAS offers full peace of mind for older drivers. They provide extra benefits like legal expenses and breakdown cover.

Their customer service can meet the special needs of this age group. They provide extra help during tough times, like financial difficulties or problems with vehicles.

RIAS Multi-Car Insurance

RIAS Multi-Car Insurance: How It Works

For families who have more than one car, RIAS provides multi-car insurance. This can save you money by covering all of your vehicles with a single policy. The features include:

  • Discounts for several cars: You can save money when you insure more than one vehicle with the same plan.
  • Easy management: Managing your cars or drivers is simple with an online account.
  • Flexible cover: You can choose different coverage levels for each vehicle, including third party or comprehensive.

Multi-car insurance from RIAS gives each vehicle the right protection. It also helps you save time and money.

RIAS Car Insurance Claims Process: Step-by-Step Guide

Making a claim with RIAS is simple. Their customer service team is ready to help you with the steps. Here’s what you need to do:

  • Contact RIAS: You can report your claim by phone or email using the information you find in your insurance policy.
  • Submit Details: Share the details of the incident, including any third parties involved or if an uninsured driver was at fault.
  • Approved Repairer: RIAS has a group of approved repairers. They will make sure your vehicle gets fixed quickly and well.
  • Replacement Car Cover: If your vehicle cannot be driven, RIAS will give you a replacement car while yours is being repaired.

The range of claims covered by RIAS includes things like accidental damage and window glass repairs. This means you are protected in many different situations.

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RIAS Car Insurance Discounts and No Claims Bonus

One great thing about RIAS car insurance is their large no claims discount. This discount grows every year you stay claim-free, which really lowers your premium. RIAS also provides:

  • Uninsured Driver Promise: If an uninsured driver causes the accident, you will not lose your no claims bonus.
  • Other Discounts: RIAS offers several discounts. You can save with multi-car insurance or special rates for people over 50.
No Claims Discount Years Discount on Premium
1 Year 30%
2 Years 40%
3 Years 50%
4 Years 60%
5+ Years 65%

You can easily manage your no claims discount with RIAS's online account system. It also helps you keep track of any changes to your policy.

FAQs About RIAS Car Insurance

You can contact RIAS customer service through their live chat, by email, or by calling the number on their website.

Yes, RIAS offers a no claims discount for drivers who haven't made any claims. This discount gets bigger as time goes on, which helps lower your premium.

The Uninsured Driver Promise means that if you have an accident with an uninsured driver, your no claims bonus will not be affected. Also, you will not have to pay any excess.

Yes, RIAS offers car insurance for multiple vehicles. You can cover several cars with just one policy. Plus, you can get discounts if you insure more than one car.

RIAS has several optional extras for you. These options include breakdown cover, legal expenses cover, and replacement car cover.

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Page last updated on: 03/12/2024

Page reviewed by: Shay Ramani

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