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Rias
Working out of Bournemouth, Rias was first launched in 1992 and offers a wide range of insurance products, including life, car, and home insurance.
The company is owned by Belgian-French insurance company, Ageas Retail Ltd.
Rias does market its services to an older demographic, offering cover for devices such as stairlifts and wheelchairs. However, its policies are such that, any customer regardless of age, would find them a suitable consideration.
Who underwrites Rias home insurance?
All Rias’ home insurance policies are underwritten by Ageas Insurance Ltd.
Types of home insurance available with Rias
To help simplify the home insurance process, Rias offers just one tier of home insurance. This home insurance is split into three policy types:-
- Buildings insurance
- Contents insurance
- Combined buildings and contents insurance
The table below highlights the basics of what each type of Rias’ policy covers.
| Policy | Policy Type | Buildings maximum sum insured* | Contents maximum sum insured** |
| Rias buildings insurance | Buildings | £1 million | N/A |
| Rias contents insurance | Contents | N/A | £50,000 |
| Rias combined buildings and contents insurance | Combined buildings and contents | £1 million | £50,000 |
**The maximum sum insured for contents can be increased under optional extras. However, this will increase your premiums.
What does Rias home insurance cover as standard?
Rias includes a wide range of cover across its policy types, with the choice for optional extras to allow you to fully customise the level of cover you want.
As a bonus, Rias has built into its contents and combined buildings and contents policies ‘theft by bogus officials’ cover. They also provide up to £1,000 towards counselling fees.
| Cover | Buildings | Contents |
| Buildings insurance | £1 million | N/A |
| Contents insurance | N/A | £50,000 |
| Public liability as owner of the building | £2 million | N/A |
| Public liability as occupier of the home | N/A | £2 million |
| Alternative accommodation | £100,000 | Up to 20% of maximum sum insured |
| Protection against squatters | £10,000 | N/A |
| Protection against damage caused by emergency services | Included | N/A |
| Moving home | Included | N/A |
| Trace and access leaks | £5,000 | N/A |
| Replacement locks and keys | £1,000 | £1,000 |
| Contents at University | N/A | £5,000 |
| Theft or attempted theft | N/A | Included |
| Theft by bogus officials | N/A | £500 |
| Damage caused by oil leaking | N/A | Included |
| Accidental damage to electrical equipment | N/A | Included |
| Accidental breakage in your home (including glass and ceramic hobs) | N/A | Included |
| Loss of metered water | N/A | £1,000 |
| Loss of metered oil | N/A | £1,000 |
| Refrigerated and frozen food | N/A | £1,000 |
| High-risk items | N/A | £1,500 |
| High-risk items – business equipment | N/A | £5,000 |
| High-risk items – deeds and documents | N/A | £2,500 |
| High-risk items – money and credit cards | N/A | £500 |
| Loss or damage to downloaded data | N/A | £2,500 |
| Property in the open air (including a carport) | N/A | £2,000 |
| Contents of outbuildings | N/A | £5,000 |
| Jury service | N/A | £1,000 |
| Shopping in transit | N/A | £500 |
| Carers’ contents | N/A | £350 |
| Guests’ contents | N/A | £350 |
| Contents professionally packed | N/A | Included |
| Dual contents cover | N/A | Included |
| Fatal injury | N/A | £5,000 |
| Damage as a tenant | N/A | Up to 10% of the maximum claims limit |
| Celebration cover | N/A | Automatically increase by 10% for one month before and one month after the event |
| Counselling fees | N/A | £1,000 |
| Nursing home/residential care home/staying with family and friends | N/A | 20% of contents sum insured |
| Medical equipment on loan | N/A | £5,000 |
| Accidental damage to wheelchairs and stairlifts in the home | N/A | Included |
Optional extras
Rias offers a range of optional extras which can be bolted on to your chosen policy. Although these add-ons will provide you a wider range of cover against certain eventualities, it is worth bearing in mind that any you choose will increase the cost of your monthly or annual premiums.
| Cover | Buildings | Contents |
| Home Protection | £500 | N/A |
| Home protection plus | £500 (plus £1,000 for emergency call out and boiler repair) | N/A |
| Personal legal protection | £50,000 | £50,000 |
| Accidental damage extension | Yes | Yes |
| Excess protection | £500 | £500 |
| Key protection | £1,500 | Yes |
| High-risk item extension | N/A | Over £100,000 |
| Unspecified personal belongings away from home | N/A | Yes |
| Specified personal belongings away from home | N/A | Yes |
| Pedal cycle extension | N/A | Yes |
| Bikes over £350 | N/A | £5,000 |
Excess and no-claims discount
Although most home insurance providers will only set a compulsory excess for specific claims, such as a subsidence claim, Rias has a compulsory excess of £50 on all of it claims, except for the following: –
- Subsidence, ground heave, or landslip compulsory excess: £1,000 (with contents insurance this excess is reduced to £50)
No-claims discount
Some home insurance providers will offer an incentive to policyholders whereby if no claim is made for 12 months, a discount on premium will be offered the following year at renewal. This is known as a ‘no claims discount’ and can accumulate for every year a claim isn’t made, typically for up to five years.
Unfortunately, Rias does not offer a no claims discount on any of its home insurance policies.
Defaqto rating
Although Rias only offers one type of policy, it has been awarded the highest rating by Defaqto, five stars.