RIAS Home Insurance

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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