Rias car insurance review

Our verdict

Our verdict

Rias car insurance is a solid choice for anyone looking for comprehensive car insurance, as it gets the full 5-star Defaqto rating. Nice-to-have standard features include an uninsured driver promise, a courtesy car while yours is in for repair at an approved garage and "wrong fuel" cover, in case you absent-mindedly top up your diesel with petrol. And if you're unlucky enough to need to claim, you have access to a 24/7 claims line.

There are plenty of optional extras too. These include legal expenses cover, breakdown cover and replacement car cover. And Rias customers seem to like it, awarding it 4.1 out of 5 stars on Trustpilot.

On the downside, Rias doesn't offer third party or third party, fire and theft cover, so if you want one of these more basic policies – or indeed if you decide Rias isn't for you at all – you'll need to shop around and compare other providers.

Best for: Great customer service

Pros

• Great customer reviews on Trustpilot
• Provides a courtesy car as standard, as long as you use an approved repairer
• Offers wrong fuel cover to drain and flush your fuel tank and cover any damage to your engine if you accidentally put the wrong fuel into your car

Cons

• Rias only offers comprehensive car insurance, so if you want third party or third party, fire and theft cover, you'll need to look elsewhere
• Rias's website has very limited information on the kinds of policies it offers

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Who is Rias car insurance?

Established in 1992, Rias is the trading name of Ageas Retail Limited and offers a range of comprehensive car insurance policies so that customers can have the peace of mind that comes from knowing they are protected.

Who underwrites Rias car insurance?

Rias car insurance is underwritten by its sister brand, Ageas Insurance Limited.

What’s covered under my policy?

Rias’s comprehensive car insurance policy covers you for a range of situations, such as:

• Cover for accidental or malicious damage to your vehicle, including vandalism.
• Cover for the cost of replacing your windscreen or window glass.
• Personal accident cover in the event of injury or death when travelling in, or getting in or out of your car.
• Medical expenses if you or a passenger is injured in an accident involving your car.
• Personal belongings lost or damaged in your car due to fire, accident or theft.
• Courtesy car provided as standard – for when your car is being repaired by an approved repairer.
• Uninsured driver promise – if your car is hit by an uninsured driver your excess will be reimbursed and your no-claims discount reinstated.
• Onward travel cover – if you are in an accident and your car can’t be driven Rias will arrange transport for you and your passengers to get home or to your planned UK destination.
• Wrong fuel cover – unlike some providers Rias will pay to drain and flush your fuel tank and cover any damage to your engine if you accidentally put the wrong fuel into your car.

Optional extras

Rias offers a number of optional extras that you can add to your policy to tailor the cover you need. These optional add-ons include:

• Legal expenses cover. Covers any costs if you need legal advice to settle a dispute.
• Breakdown cover. Offers 3 levels of cover when you’re on the road.
• Replacement car cover. Will cover the cost of replacing you car if it’s stolen or written off.
• Excess protection. Reimburses the excess in the event that you get into an accident.

What are Rias’s different policies?

Rias only offers comprehensive car insurance, for drivers aged 25 and over. All policies come with a range of features and benefits and optional extras. If you want third party or third party, fire and theft insurance, you’ll have to look elsewhere.

How do I make a claim?

You can make a claim online or by calling the 24/7 hotline number on 0345 125 6850. If you’re in the EU you can call +44124 271 5924. For windscreen claims call 0345 125 6862.

If you get into a car accident, it’s important to collect information so you can file your claim. Full details of the other drivers, including their phone numbers and the registration numbers of all vehicles involved are some of the details that will help you speed up your claim.

What is my excess?

When you make a claim, you have to pay an amount of money towards it – that is called an excess.

The exact amount varies according to a few personal factors, like the type of car that’s covered and the age of both the car and the driver.

All the details about your excess terms can be found in your policy schedule.

Rias car insurance customer reviews

On the review platform Trustpilot, Rias scores an “Great” (4.1 out of 5) out of 9,600+ reviews. Overall, customers praised the quick and efficient service and friendly staff, while others called out issues around communication and policy queries.

How to cancel Rias car insurance

You can cancel your Rias car insurance policy by calling 0345 650 034.

Frequently asked questions

• Can I get insurance that starts immediately?

  Yes. When you get a quote online, you can choose for your cover to start the same day.

• Can I pay for Rias car insurance in instalments?

  Yes, you can pay by monthly direct debit, but it will cost you more than paying with a lump sum.

• How do I check my Rias car insurance expiry date?

  You can check your expiry date and policy details online.

Written by

Esther Wolffowitz

Publisher

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Esther Wolffowitz was a publisher at finder.com specialising in insurance. Esther holds an MSc in Media and Communication Governance from the London School of Economics and Political Science (LSE). See full bio

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio