Business Details
29 Years
experience
Trusted Car Home and Travel Insurance Solutions
Established in 1997 as part of the Ageas group, RIAS PLC Insurance has dedicated itself to providing high-quality car, home, and travel insurance solutions tailored to protect what matters most to our customers. With over 4 million policyholders across the UK, we combine decades of industry expertise with a commitment to exceptional customer service, evidenced by our 99.6% car claims payout rate and 24/7 online policy management system. Our Defaqto 5 Star-rated products reflect our dedication to offering comprehensive coverage, while our UK-based claims team ensures swift resolution when it matters most. Recognised through multiple industry awards, including Personal Lines Insurer of the Year, we continuously strive to improve through customer feedback and sustainable business practices.Our community engagement initiatives and carbon reduction efforts demonstrate our broader commitment to social responsibility. Backed by Ageas' 200-year heritage, we maintain transparency through direct communication channels and uphold rigorous regulatory standards under the Financial Conduct Authority. This combination of experience, innovation, and ethical practice positions us as a trusted partner in insurance solutions.
Services
Car insurance
Home insurance
Travel insurance
Online policy management
24/7 claims service
Details
- Year established: 1997
Highlights and features
- We maintain a 99.6% claims payout rate for car insurance policies
- Our 24/7 online claims service operates with UK-based support teams
- All insurance products hold Defaqto 5 Star quality ratings
- We guarantee repairs through approved partners for 12 months
- Our sustainability initiatives reduced organisational carbon footprint by 1,993 tCO2e in 2024
Associations and certifications
- Defaqto
- Financial Conduct Authority
- British Insurance Awards
- Insurance Times Awards
- UK Top Employer
What people say
Excellent customer service
Quick claims resolution
Easy online management
Competitive pricing
Comprehensive coverage
Services
Car insurance
Defaqto 5 Star-rated car insurance with 99.6% claims payout rate. Features guaranteed repairs through approved partners, optional breakdown assistance, and 24/7 online policy management. Policies include third-party, fire and theft, or comprehensive coverage options with flexible payment plans available.
Home insurance
Market-leading home insurance with Defaqto 5 Star accreditation. Covers buildings and contents against specified risks including fire, flood, and theft. Includes 24/7 claims support, alternative accommodation provision, and online policy adjustments with no admin fees for changes.
Travel insurance
Flexible travel insurance with Defaqto 5 Star-rated gold and platinum options. Covers medical emergencies, trip cancellations, and baggage loss. Available for single trips, annual multi-trips, or family policies with 24/7 assistance during travel.
Online policy management
Secure 24/7 online platform for policy administration. Allows premium payments, document access, coverage adjustments, and claim tracking without admin fees. Features include digital policy storage, automatic renewal reminders, and instant certificate downloads.
24/7 claims service
Continuous claims assistance through online portal and UK-based teams. Provides immediate guidance for incidents occurring at any time. Includes repair coordination, temporary replacement vehicles, and emergency accommodation arrangements as required.
People
Ant Middle
CEO
Leading UK insurance executive with strategic oversight of RIAS PLC Insurance operations. Drives customer service excellence and sustainability initiatives while maintaining regulatory compliance across Ageas' UK insurance portfolio.
Questions
What types of insurance does RIAS PLC Insurance offer?
We provide Defaqto 5 Star-rated car, home, and travel insurance policies with flexible coverage options tailored to individual needs.
How do I make a claim?
Initiate claims 24/7 through our online portal with UK-based support teams guiding repairs guaranteed for 12 months.
Can I manage my policy online?
Yes, our secure online account allows policy adjustments, document access, and payments anytime without admin fees.
Are repairs guaranteed after claims?
All repairs through approved partners carry a minimum 12-month guarantee as part of our quality assurance commitment.
What sustainability initiatives exist?
We reduced 2024 carbon emissions by 1,993 tCO2e through green parts usage (35.16% of repairs) and carbon-neutral repair centres.
How are claims handled outside office hours?
Our 24/7 online claims service ensures continuous support with UK-based teams available at all times.
Videos
Reviews (5)
Barbara Tarbuck
Jun 14, 2022
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Very poor automated service. kept waiting ages. been with RIAS years ~ not any more ~ very expensive. Car insurance increased By 100. 25%increase. No claim for maximum years
Mid Life Crisis Camper
Jun 10, 2022
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We like Rias. Don't have any complaints. Great communication whenever we have been in contact with them. They always try there best to sort out issues. 99.9% they can sort out the issue. Thank you!
Liv Tipping
Jun 03, 2022
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Seems like a great cheap company until you need to make changes. 25 a time for some help over the phone. They mess up your details then charge you to correct them. My initial policy doubled from 335 because of their mistakes. Then they'll charge you another 25 to cancel the policy. Money grabbing wherever they can.
Karl Best
May 31, 2022
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They dont offer business use for a variety of jobs, they do offer it for some but not what i needed. seen alot of bad reviews. Not been in that position yet and hopefully i dont endup having to go down claim route as iv not got high hopes after reading reviews, 3 stars though as iv not had a bad experience so far just cant get delivery insurance
Dom Cooper
May 01, 2022
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Disappointed by their claim that you can change your vehicle in your account. I tried to do this 3 days running without success. I also tried to call them twice and was on hold for over 30 minutes each time. Eventually, I had to insure elsewhere and then when I came to cancel my policy, they charged me 50 even though I was paid up until September 22. Disgraceful money making for pressing a few keys on a keyboard. You only know how good an insurance company is until you need something! At your own risk.
