Rias Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Rias car insurance.

You might already know that Rias offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Rias the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Rias car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Rias

Our ratingOur opinion
Customer service & satisfaction

4.5/5 based on 3,130 reviews gotten on TrustPilot
Phone numbers are attached to all the services available on the website
Policy information documents are readily available

Cover provided

Courtesy car as standard
Unlimited cover for glass damage
Uninsured driver promise
Cover of up to £500 is provided for replacement lock
Third party liability cover of £20m is provided

Value for money

Repair guarantee is offered when an approved repairer is used
Cancellation fees even during the cooling off period

Financial strength for pay out

Strong financial capability

Technology

Presence of live bot to answer questions
Absence of Black box and app
Information on the policies offered by the company is not readily available on the website

Safe rating for Rias

Expert and customer reviews on Rias

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Rias's reputation.

Review organisationConsumer satisfaction rates for Rias
Defaqto expert rating for Rias defaqto 5 stars
TrustPilot4,5/5 based on 3,130 opinions
Consumer satisfaction rates on reviews for Rias

To check if Rias is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Rias car insurance policy

Just like Diamond and Elephant, Rias has a specific set of people that it caters to and this is the drivers aged 50 above. RIAS believes that drivers above 50 are more experienced and should pay less to insure their cars. Some of the covers offered are the onward travel cover, the wrong fuel cover, windscreen cover, etc. The customer care reviews are good and fast. The insurance company has access to the award winning claims service that Ageas Insurance Ltd provides and has also been given the 5 star award by Defaqto. One bad side is that the business and van insurance policies are not offered. However, the insurance company is recommended.

What does Rias car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Rias?

Car insurance policyAvailable at RiasCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Rias

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Rias explained in details

Let's find out what does Rias covers in its car insurance policy.

Breakdown cover at Rias

For £39.99 per year, Rias provides breakdown cover and it comes in three levels:

  • roadside assistance which includes 24/7 roadside repair and assistance
  • comprehensive gold: this includes roadside assistance and nationwide assistance
  • total protection: this includes roadside assistance, nationwide assistance and onward travel for 31 days and vehicles up to 10 years old.

Keycare cover at Rias

For a sum of £20.00 a year, Rias car insurance policy offers key protection to its customers. This protection comes with £1,500 of cover, including VAT and other services such as:

  • reprogramming of alarms and the replacement security safe keys for safety purposes
  • 24/7 assistance
  • £75 a day for alternative means of transportation in the case that you are stranded as a result of a stolen or damaged key.

Windscreen cover at Rias

The windscreen cover is already included in the comprehensive cover but for the third party, or third party fire and theft cover, payment for the repair or replacement of the windscreen would have to be made by the owner of the car. Claim on windscreen, window or sunroof doesn’t affect NCB.

Motor legal protection at Rias

For £29.60, Rias’s Motor Legal Protection policy provides:

  • £100,000 cover for the driver, passengers and the car in the case of an accident caused by an insured and identifiable person
  • legal fees, advice and support
  • uninsured loss covering
  • personal injury cover.

Personal policy injury available at Rias

For £26.50 per annum, Rias offers the following as part of their Personal Injury Cover:

  • £30,000 for bodily injuries as a result of an accident in the insured vehicle
  • £5,000 in the case than insured person aged 16 or under dies as a result of an accident in the insured vehicle
  • cover for permanent total body disablement as a result of an accident in the vehicle
  • cover to loss of sight in both eyes as a result of an accident in the vehicle.

Coverage abroad at Rias

Rias’s abroad coverage is available and this coverage allows the holders to travel through Europe for about 90 days. The list of countries includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Rias

For £26.50 a year, the following are offered with the replacement cover provided by Rias:

  • a hire car with a similar engine size of up to 2,000cc, for 21 days
  • a hire car if the accident was the fault of the driver.

No-Claim Bonus (NCB) at Rias

The longer you go without making a claim, the larger the discount accrued. Every type of insurance policy (third party only, third party fire and theft, and fully comprehensive) can accumulate a no claims bonus.

The bonus accrued per year are as follows:
One year NCB – 2%
Two years NCB – 14%
Three years NCB – 16%
Four years NCB – 26%
Five years NCB – 27%
Six years NCB – 27%
Seven years NCB – 30%
Eight years NCB – 33%
Nine years NCB or more – 37%

The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys.

At Rias, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claims in 3 years.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Rias car insurance terms and conditions

How much does Rias car insurance cost?

You'll find below indicative car insurance quotes at Rias:

Drivers'ageMonthly premium
18 years old£100,41
40 years old £41,41
60 years old£30,53
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Rias insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Rias?

Cashback vouchers are available for new customers.

Discount typesComment
Discounts 20% or more off the renewal price for multicar insurance
Discounts and cashbacks available at Rias

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Rias car insurance policy summarized

Guarantees

At Rias
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£500 as standard, £1500 per year optional
Personal belongings£150
Audio equipment

No

Medical expenses

£300

Liability limit for property damage£25 000 000
Legal expense£100 000
Courtesy car benefit

As standard

Courtesy car cover

Unlimited

Coverage abroad

120 days

Guarantees at Rias

Excess

At Rias
Fire excess£100
Theft excess£100
Accidental damage excess£100
Windscreen replacement excess£60
Young driver excess

£350

Excess at Rias

Admin fees

At Rias
Interest charged by payment installments

29,90%

Renewal fees

£20

Cancellation fees

Cancellation fees during cooling off period: £15
Cancellation fees outside cooling off period: £50

Modification fees

£0 online / £25 by phone

Admin fees at Rias

Other car insurance policies available at Rias

Rias multi-car insurance

The Multicar cover option is available for more than one car registered under the same address. For Rias, the multi cover insurance policy allows more than one car to be insured at different levels provided they are registered under the same address.

How to contact Rias auto insurance?

Rias phone numbers 

You will find all important phone numbers to contact Rias car insurance:

Contact numberOpening hours

Insurance quotes

0800 561 0712

Monday to Friday 8:30 am – 8:00 pm
Saturday 8:30 am – 4:00 pm

Existing car insurance policy

0345 650 0345

Monday to Friday 8:30 am – 8:00 pm
Saturday 8:30 am – 4:00 pm

Online account help

0345 234 0119

Monday to Friday 8:30 am – 8:00 pm
Saturday 8:30 am – 4:00 pm

Renewal

0345 045 1325

Monday to Friday 8:30 am – 8:00 pm
Saturday 8:30 am – 4:00 pm

Claims

0345 125 6850

24 hours a day, 7 days a week

Green card request

0345 165 0914

Monday to Friday 8:30 am – 8:00 pm
Saturday 8:30 am – 4:00 pm

Contact numbers at Rias

Rias other contact details

You'll find below Rias main contact details:

Contact details of Rias
Email address

[email protected]

Customer account with Rias login

My account

Social mediaFacebook, Twitter, YouTube
ChatbotAvailable
Contact details at Rias

You can also contact them by mail by writing to Rias car insurance:

Rias Car Insurance
Deansleigh House
Deansleigh Road
Bournemouth Dorset
BH7 7DU

How to claim at Rias?

To make a car insurance claim, you can do it by calling Rias directly.

ServiceCar claim
Claim by phone

0345 125 6850

Claim process at Rias

How to cancel your car insurance at Rias?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Rias as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Rias has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You can also write to Rias to cancel your car insurance policy:

Rias Customer Services,
Deansleigh House, Deansleigh Rd,
Bournemouth, Dorset,
BH7 7DU

You would need to have various documents ready such as:

Rias could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.