Defaqto 5 Star rated cover that's packed with benefits. That's Rias standard.
Levels of cover - Buildings cover up to £1 million and contents cover up to £50,000 (can be increased up to £100,000).
Accidental damage** - cover for laptops, tablets, computers and TVs included as standard.
New for old replacement - on stolen or damaged items if they are beyond repair.
*20% of new customers paid £96 or less (1st Oct - 31st Dec 20) for our combined buildings and contents cover. Premium depends on individual circumstances, payment method and cover chosen.
See how well our buildings and contents cover compares:
| Product features | Rias Home Insurance |
Admiral Home Insurance Cover |
Aviva AvivaPlus Regular |
Direct Line Home Insurance |
Legal & General Home Insurance-Extra |
| Glass breakage - Accidental breakage of glass and mirrors is covered as standard |
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✓ |
| No claims discount available as standard |
✓ |
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✓ |
✗ |
✗ |
| Alternative accommodation is provided for £75,000 or more (Buildings only)† |
✓ |
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✓ |
✗ |
✗ |
| Buildings - Accidental damage cover for buildings available |
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✓ |
✓ |
✓ |
✓ |
Source of data: Defaqto Matrix effective as of 8th December 2020. †Rias offer alternative accomodation cover up to £100,000.
Find all our benefits here or see our policy documents.
Don't just take our word for it...
^84.88% of Rias Home Insurance customers renewed with us between 1st May 2020 – 30th November 2020.
*20% of new customers between 1st Oct - 31st Dec 20 paid £96 or less, annually, equivalent to around £8/month (excluding representative 29.9% APR variable which will be applied over 11 months). A 1 month deposit will be required. Premium depends on individual circumstances, payment method and cover chosen.
**Key exclusions include damage due to misuse, wear and tear, cleaning, breakdown, scratching and denting; and excludes items such as CDs or records.
^^The claims service is provided by Ageas Insurance Limited, winners of the Claims Team of the Year Award at the Insurance Times Claims Excellence Awards 2020.
You can buy your home insurance online through our quick and easy journey, or over the phone. Just give us a call on 0800 561 3762 or 0800 561 3765. Lines are open Mon to Fri 8:30am - 8:00pm and Saturday 8:30am - 4:00pm.