RIAS Home Insurance Review and Quotes

Alexandre Desoutter Alexandre Desoutter  updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft? 

Are you wondering if RIAS is the best home insurance company to protect your house?

You’ve come to the right place. 

This ultimate and up-to-date review on RIAS home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is RIAS the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail RIAS’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,2 Safe overall rating for RIAS

Safe ratingOur opinion
Customer service & satisfaction
and claims

5 stars Defaqto rating, 4,4 on Trustpilot
24/7 UK based claim service
Well documented website, claim form easy to access

Cover provided for your home

Average limit amounts for standard excess of £50
Up to £100 000 cover for emergency accommodation limit (building insurance)
Up to £100 000 cover for items temporarily removed from home
Accidental damage for laptops, computer, TV included as standard
Home emergency cover doesn’t included emergency accommodation
Cover for items in the open / outbuildings low

Value for money

Affordable quotes starting at £103
High APR rates of 29,90%
Adjustment fees

Financial strength

RIAS is a trading name of Ageas Retail Limited authorized and regulated by the FCA.


Live chat available
100% online quote and claim process

Safe rating for RIAS home insurance

Expert and customer satisfaction reviews for RIAS home insurance

Review organisationRIAS home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot4,4/5 based on 3,477 customers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for RIAS home insurance

Our general opinion on RIAS home insurance

RIAS was founded in 1992 and is now one of the leading insurance provider in the UK also offering car, travel, caravan insurance or breakdown cover.

The standard home insurance policy from RIAS is rated 5 stars by Defaqto. Customers reviews on Trustpilot give are impressive which means that the company must deal with home claims promptly and efficiently.

However, Which? ranked the policy in the lower part of the scale, mainly because of lack of cover provided such as blockage of sewer pipe cover in building insurance for instance or poor cover for contents in the open or in outbuildings.

What does RIAS home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones? 

Applying for home insurance at RIAS will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance). 

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents. 

Home insurance at RIAS covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

RIAS buildings and contents insurance

RIAS provides three main types of household insurance: 

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

RIAS building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£100 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

Gradual build-up of groundwater

As standard


As standard

Underground services

As standard

Keys cover

£1000 to £1500 limit as extra

Flood and storm damage (except for fences)

As standard

RIAS building insurance

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£100 000

Owner liability

£2 000 000

Alternative emergency accomodation

£20 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£2 000

Contents kept in outbuildings (garage included)

£5 000

Thefts from outbuildings

£5 000

Single item limit for valuables

£1 500

Items temporarily removed from home

£100 000

Money in and outside the homeInside:



£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:



500 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

£1000 to £1500 limit as extra

RIAS contents insurance

RIAS home insurance additional cover

On top of your RIAS buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover
  • Accidental damage available as standard for computers, laptops, TVs and audio equipment
  • Optional extra for other equipments
Home emergency
  • Optional extra
  • Up to £500 per call out
  • Up to £250 for emergency accommodation
Boiler cover
  • Available as optional extra
  • Up to £500 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £5 000 for personal possessions cover at home
  • Up to £1500 for single item limit away from home
  • Up to £5000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £1500 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £1500 limit

RIAS home insurance excess

The deductible you’ll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£50
Excess for escape water claims£250
Excess for subsidence claims£1 000
Excess for personal possessions£50
Excess for keys£50
RIAS home insurance main excess

RIAS home insurance fees and NCD

To manage your policy, renew, cancel or modify it, RIAS fees are as follows:

Fees applied to manage your RIAShouse policy
Interests on payment installments29,90%
To renew my policy£20
To adjust my policy£20
To duplicate documents£0
To cancel my policy during cooling-off period£25
To cancel my policy outside cooling-off period£35
For payment default£13
To switch from one insurer to RIAS£75
Home insurance fees at RIAS

How much does RIAS home insurance cost?

You will below indicative quotes for building and contents insurance at RIAS:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at RIAS

It is very difficult to give a precise range of how much exactly will your home insurance cost at RIAS as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

RIAS will establish a risk rate, taking into account all these elements, and offer you a price based on it. 

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

RIAS home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on RIAS home insurance?

To claim at Rias, you can either call the company’s 24hr phone number or fill in a claim form online its website.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on RIAS home insurance?
Claim online

You can record your home claim using this form and wait for the RIAS claim manager team to call you back.

Claim by phone

0345 122 3281

How to claim on my home insurance at RIAS

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel RIAS house insurance?

To cancel your RIAS house insurance, here is what you need to know: 

Cancelling your home insurance at RIAS
Cancellation notice if RIAS cancel your policy7 days
Cancellation feesFees during cooling-off period: £25
Fees outside cooling-off period: £35
Cancel by mail

Rias Customer Services,
Deansleigh House,
Deansleigh Road,

Cancel by phone

0345 650 0345

How to cancel my RIAS home insurance

How to contact RIAS home insurance?

ServicesPhone numbersOpening hours

0345 1223 281

Mon to Fri 8:30am – 6:00pm
Saturday 9:00am -1:00pm


0800 561 0711

Mon to Fri 8:30am – 6:00pm
Saturday 9:00am -1:00pm

Discussing existing home policy

0800 183 9261

Mon to Fri 8:30am – 6:00pm
Saturday 9:00am -1:00pm

Online Account

0345 234 0119

Mon to Fri 8:30am – 6:00pm
Saturday 9:00am -1:00pm

Home insurance renewal

0345 234 0116

Mon to Fri 8:30am – 6:00pm
Saturday 9:00am -1:00pm

How to contact RIAS home insurance

RIAS home insurance contact details

RIAS contact details
RIAS address

Rias Customer Services,
Deansleigh House,
Deansleigh Road,

Customer service email

Contact form

Chatbot available


RIAS contact details

How do I log in to RIAS customer portal?

You can log in to your customer portal at RIAS if you are an existing customer.
The customer portal at RIAS will allow you to fully manage your policy online, access to your documents, claim etc.
You can access the portal from the RIAS website landing page.

How do I get RIAS home insurance quotes? 

To get a quote online at RIAS, it couldn’t be simpler. 

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If RIAS is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get RIAS home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your RIAS house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you’ve gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.