RIAS Home Insurance

RIAS Home Insurance

Compare Home Insurance Deals

Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

Confused.com guarantee to beat your home insurance renewal, or get the difference plus £20*

*T&Cs apply

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
5 Star home insurance from just £99* Get up to 20% off online**
Alternative Accommodation
Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
5 Star home insurance from just £99. 25% online discount for new customers *
Alternative Accommodation
Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Get Churchill Home insurance from £100*. Making a claim under both Buildings & Contents? You’ll only pay one policy excess. No admin fees for changing your policy details. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*30% of customers paid this price or less for combined buildings and contents policies between 20th January & 20th July 2018. Excludes optional extras and Home Plus policies
Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
Pay monthly at no extra cost (0% APR Representative) No hidden admin fees Low standard excess of just £45
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga Home Insurance

Online Discount
Up to 30%
Quotes available for
Homeowners, tenants and landlords
Special Features
We offer a comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.

UK Insurance Net Home Insurance

RIAS Home Insurance

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