Rias home insurance review

It can be tricky to find the right level of cover for your house. See if Rias home insurance ticks the boxes here.

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RIAS

If you need insurance for your home or possessions, Rias offers standalone policies and also allows you to combine both under one policy. Rias home insurance currently has a 5-star rating from Defaqto. Find out how it works below.

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What is Rias?

Rias launched in 1992 and now offers car, travel, caravan and home insurance, as well as a 24-hour helpline.

What are Rias’s cover options?

Rias offers three types of home insurance policy. These are:

  • Rias building insurance. This type of policy only covers the bricks-and-mortar structure of your home, as well as fixtures and fittings, and other features such as walls and gates.
  • Rias contents insurance. Contents insurance protects the possessions you have in your house, whether you’re an owner-occupier or just renting.
  • Rias building and contents insurance. You can also combine building and contents insurance under the one policy.

What is covered under my policy?

Rias offers the following cover on its policies:

PolicyCoverage
Buildings cover
Private residence cover£1 million
Alternative accommodationUp to £100,000
Trace and access of water or oilUp to £5,000
Accidental damage cover
Replacement lock and keys£1,000
Public liability Up to £2 million
Contents cover
Contents Up to £100,000
Alternative accommodationUp to 20% of maximum contents limit
Accidental damage cover
Key and lock coverUp to £1,000
Frozen food coverUp to £1,000
Money and credit cardsUp to £500
Contents at universityUp to £5,000
Business equipmentUp to £5,000
Outbuildings contentsUp to £5,000
Property in open air£2,000
Deeds and documentsUp to £2,500
Shopping in transitUp to £500
Personal liabilityUp to £2 million
Buildings and contents
Private residence cover£1 million
Alternative accommodationUp to £100,000
Trace and access of water or oilUp to £5,000
Accidental damage cover
Replacement lock and keys£1,000
Public liability Up to £2 million
Contents Up to £50,000
Alternative accommodationUp to 20% of maximum contents limit
Accidental damage cover
Key and lock coverUp to £1,000
Frozen food coverUp to £1,000
Money and credit cardsUp to £500
Contents at universityUp to £5,000
Business equipmentUp to £5,000
Outbuildings contentsUp to £5,000
Property in open air£2,000
Deeds and documentsUp to £2,500
Shopping in transitUp to £500
Personal liabilityUp to £2 million

A combined building and contents policy offers the same level of cover as that offered in each individual policy, though the maximum contents limit is £50,000 instead of £100,000.

Optional extras

There are a number of additional cover options you can add to your Rias home insurance policy, including:

  • Personal accident cover
  • Home emergency
  • Garden protection
  • Legal protection
  • Pedal cycle
  • Key protection
  • Excess protection

What is my excess?

The excess is the amount you pay whenever you make an insurance claim, and your insurer will not pay out on any claim that is lower than the size of your excess.

Rias doesn’t offer the ability to add a voluntary excess to reduce the cost of your premium. However, you can get optional excess protection that refunds the cost of your excess in certain situations.

Certain types of claim may also have a higher excess, but you can find the specific details about your excess in your policy document.

How much is this going to cost me?

There are a range of factors that can affect the cost of your Rias home insurance, including:

  • Your policy type. Basic contents insurance will be cheaper than building insurance. Getting combined building and contents insurance will be more expensive, but offers more-comprehensive cover.
  • Your sum insured. The sum insured is the amount your insurer will pay in the event your home is destroyed or needs to be rebuilt.
  • The nature of your house. The type of building you own, as well as its age and structural components will determine the cost of your insurance.
  • Your location. Some areas may be more at risk to things like fire, flood or theft, and this risk level is reflected in the size of your premium.
  • Security. You may be able to reduce the cost of your policy by installing security features, such as walls, gates and cameras.

What is the claims process for Rias?

You can make a claim via phone and Rias has a number of lines to handle different types of claim, which are open 24 hours a day.

  • Your policy details
  • Details of the incident, including when it happened
  • Photos of any damage
  • Receipts for items that are damaged
  • An estimate of the cost of repair or replacement, if available

Some claims can be settled over the phone and your payment will then be transferred within five working days.

For more-complex claims, Rias may need to send an inspector to assess the damage before it can process your claim.

Rias pros and cons

Pros

  • Rias’s Platinum home insurance has a 5-star rating from Defaqto
  • Contents insurance covers wide range of items and claims
  • 24-hour claims line

Cons

  • Only offers one level of cover for each policy
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