Rias Car Insurance

Rias provides insurance for the over 50s. Their aim is to give mature, experienced drivers, insurance with competitive rates whether you’re 50, 60, 70 or 79 years old.
They have a Defaqto 5-star rating which means, that as a customer, you’ll get top quality products and benefits.



Rias car insurance

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What does it include?

Car Insurance with Rias includes No Claims Discount Protection as standard and an Uninsured Driver Promise. If you are in an accident with an uninsured driver which was not your fault, you will not lose your No Claims Discount or have to pay an excess as long as you provide Rias with the make, model and registration number of the other vehicle.

They provide access to a UK based claims department, which you can reach 7 days a week, 24 hours a day. All you need to do is call 0345 125 6850.

Terms, conditions and limitations will apply to the benefits you’re offered, so it’s important to check your policy wording before you purchase.

Comprehensive cover with Rias Car Insurance includes cover for:

  • New car cover - If you are the first owner and it is less than 12 months old and damaged beyond economic repair
  • Windscreen damage
  • Audio and navigation equipment
  • Medical cover – to pay emergency medical expenses after an accident
  • Personal belongings
  • Child car seat
  • Personal accident compensation – a lump sum to help you or your family if you are gravely injured or killed as a result of a road traffic accident
  • Key cover – replacement locks and new keys if yours are lost or stolen
  • Alternative accommodation – overnight stay in an hotel, if you are unable to drive your car after an accident
  • European travel – travel in Europe for up to 90 days
  • Courtesy car – whilst your own car is being repaired by an approved repairer
  • Guarantee on repairs – 3 years through approved repairers

24- hour Legal Helpline – 24- hour telephone assistance if you are in Europe and you have an accident or you need help with tax affairs

Rias Car Insurance also offer the following benefits which you can purchase and add on to your insurance for wider cover:

  • Legal Cover – helps you if you need to defend a motoring prosecution, if your car identity has been stolen or you have a dispute over a contract. It will also provide assistance to claim any uninsured losses you may have as a result of an accident that’s not your fault so long as your claim has a greater than 50% chance of winning. Uninsured losses can include personal injury claims, loss of earnings, car hire charges, reimbursement of your policy excess and any other out of pocket expenses you have incurred
  • Policy Excess Protection – Provides reimbursement of your insurance policy excess up to a maximum of £300 following the settlement of a fault claim for malicious damage, accidental damage, fire and theft
  • Replacement Car Cover – for up to 21 continuous days if your car has been damaged maliciously and cannot be driven, or is stolen and not recovered
  • Key Protection – covers theft or loss of office or home keys and broken or locked in keys

Breakdown scheme

Rias Car Insurance also offer a breakdown scheme, so that you won’t ever have to worry about a breakdown whilst you’re travelling. There are 3 levels to choose from:

  • Roadside Assistance – provides cover for up to one hour’s labour for assistance at the roadside, if the vehicle is unable to be repaired at the roadside you will be transported to the nearest suitable repairer (maximum of 20 miles round trip)
  • Comprehensive Gold – covers Roadside Assistance plus assistance anywhere within the UK. This also provides cover for up to £100 for onwards transportation or overnight accommodation if the vehicle cannot be repaired at the roadside
  • Total Protection – covers all of the above, plus European cover

If you would like a Rias Car Insurance quote, get one today and insure your car with a company that has a 5-star Defaqto rating. 

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