RIAS Home Insurance

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ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Is RIAS home insurance right for you?

RIAS provide various types of insurance, including home insurance, for people over the age of 50. They offer policies specifically for those over 50, over 60 and over 70 allowing older customers to take advantage of competitive premiums.

 

RIAS have been awarded the highest 5 star rating by Defaqto for their home and car insurance. They offer a 24/7 UK-based claims service for their customers convenience with specialist advisors on hand to help deal with your claim.

 

They also allow you to manage your policy online with no admin charges and offer an Identity Theft Assistance service with all of their policies.

 

Types of RIAS home insurance

RIAS offers three main types of home insurance:

  • Buildings cover
  • Contents cover
  • Building & Contents cover

 

Each of these offers different types and levels of cover appropriate to different types of customers.

 

RIAS Buildings cover

RIAS buildings cover offers:

  • Cover up to £1 million
  • Protection for your building’s structure, fixtures & fittings, garden walls & gates, drives & patios and greenhouses & outbuildings

 

RIAS Contents cover

RIAS contents cover offers:

  • Up to £50,000 contents cover
  • The option to increase you cover up to £100,000
  • New-for-old replacement of damaged or stolen items (not including clothing or household linen over three years old)
  • Accidental damage to electrical equipment
  • Up to £1,000 cover for refrigerated & frozen food
  • Up to 20% (of the maximum claim limit) towards alternative accommodation if your home becomes uninhabitable due to a covered event

 

RIAS Buildings & Contents cover

  • Up to £50,000 contents cover
  • Option to increase your contents cover to £100,000
  • Up to £1 million buildings cover
  • New-for-old replacement of damaged or stolen items (not including clothing or household linen over 3 years old)

 

Optional extras

RIAS offer a range of additional cover options which you can add to any of their policies.

 

Personal Legal Protection

This add-on covers you for the cost of personal legal issues including:

  • Personal injury
  • Death
  • Contract disputes
  • Employment disputes
  • Clinical negligence
  • Home owner/occupation disputes

 

Home Protection

This add-on offers 24 hour assistance in the event of an emergency at home. You can choose from two levels of home protection cover with RIAS.

 

Level 1
  • Up to £500 cover for the cost of emergency repairs, including call out fees, labour, parts and materials

 

Level 2
  • Up to £500 cover for the cost of emergency repairs, including call out fees, labour, parts and materials
  • Up to £1,000 cover for partial electrical failures, plus heating and hot water systems (some exclusions apply)

 

Key Protection

Protects you in the event of keys for your home, car, office or security safe being lost, stolen or broken.

 

This add-on includes:

  • Cover up to £1,500 (inc. VAT)
  • Lock and key replacement
  • Reprogramming of alarms and immobilisers
  • Alternative transport (if required and agrees with the claims line first)
  • No excess to pay
  • No effect on your no-claims discount

 

Garden Secure

Many items in your gardens, including fences and expensive plants, will normally not be covered under standard contents or buildings insurance policies.

 

This add-on gives you:

  • Protection for loss or damage to walls, gates, fences, hedges, patios, lawns and trellis
  • Up to £750 cover for theft of trees and plants

 

Personal Accident

This add-on gives you and/or your partner cover in the event of an injury.

 

This includes:

  • Cover up to £30,000 per person, per year
  • Cover against death, loss of sight, loss of limbs, loss of speech or loss or hearing
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

Get Quotes >
£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

Get Quotes >
£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.