RIAS 

We have home insurance and bought the extra covers, such as home insurance plus. We've had a flood in our property caused by mice chewing through a pipe. We contacted Rias, who sent us to Ageas. Every time we deal with Ageas we get different information and advice. Eventually, after much begging and many weeks delay, they sent out a buildings assessor who agreed it was a genuine claim and what works need to be done. We have now been passed to a third company, Claims Consortium, who have offered a cash settlement way below the quotes we've been getting for the works. They have no contractor or company that can do the works. We have been left trying to project manage the situation ourselves with no knowledge of what trades are responsible for what. We've now tried to claim under another part of our policy for the pest control, the home plus bit, and we've been told that even though we paid Rias for the policy and Ageas are the underwriters, we have to contact another company to deal with that section of the policy, as Ageas apparently don't underwrite that bit. It is an absolute nightmare and we have spent months trying to get this resolved, with no resolution in sight. We are living in a flooded property with absolutely no help. They are truly the WORST insurer you could have, if you ever need to make a claim.

Avoid this company my roof was letting in water into my hall,I tried to claim o my buildings to be told they will only pay if I had 23 mm of water fall in the area in an hour and that I would have to make repairs myself, what am I paying insurance for if they don't help,I am cancelling my insurance with them,so people just be aware

dead easy to use. ive been with Rias for 7 years never any bother. just changed my car and private plate again. Super easy as usual

After 3 years home insurance with RIAS my recent renewal quote was increased by 150 % without any explanation. The renewal also emphasised that the quote was the final price.

Naturally, I looked at Comparison Websites, obtained a better quote with a well respected alternative insurance company and did not renew with RIAS.

Rias set up a direct debit and debited a considerable sum from my account at the same time. I don’t have a policy with them so how is that possible? Trying to talk to them is impossible. Avoid RIAS like the plague!

DO NOT USE THEM. IF YOU DO THEN IT MAY END UP COSTING YOU.
Had a non-fault accident by a hit and run driver; stationary at red traffic lights, driver behind decided to change lane, hitting our car in process. I have dashcam video evidence and 2 independent witnesses. Owner of vehicle refused to give police name of driver.
RIAS refused to renew policy due to accident even though we never actually made a claim and put us on database as a fault claim.
Because we had not yet had repairs done we had to not get the repairs done so that they would update the database as an information only accident. However, they still would not renew the policy.
IS SUCH TREATMENT EVEN LEGAL?

Three attempts now to speak to an advisor. On every occasion, the wait time has been 30mins!
It’s utterly shocking that companies think waiting on the phone for that long is acceptable, especially when you are working.

If you need to be able to speak to someone, I would look elsewhere.

Mis-sold! Be careful if you consider taking out a policy as cancellation fees issued !
We took a policy out and were asked to provide evidence of our substantial no claims which we did only to be told they wouldn’t accept it as was being used on another policy.
No claims is no claims regardless of how many insurance policies we have.
Not paying any more so told them to cancel at which they issue a cancellation fee!!

This is a update I was meant to have a manager phone me I am still waiting for a phone call and the customer service centre is a joke they lie to u on the phone

Worst customer service I have experienced. Would not even give one star if I had the option. I insured my car with RIAS after seeing their acceptable quote on motor car insurance compare. I paid premium before the start date of policy and within a couple of days had a telephone call from them advising me that as I had given the wrong year of purchase of my car they they had to increase the premium by nearly £50. I had inadvertently put the purchase year as 2019 instead of 2022. Now has anyone ever had an increase of premium of nearly £50 beca use the year of purchase was 3 years out. Their reason was that as I had only had the car for 3 years I was not so experienced with driving it as I would have been if I had purchased the car in 5 years. They had the information from DVLA. If they did this check on me without having a claim, what would they do to avoid paying a claim if I had a bump. I told them that I wasn't in a position that I could trust them even if I paid the additional premium of £50 and cancelled the policy for which they charged me short term cover of nearly £30 for a few days cover. DON'T TOUCH WITH A BARGEPOLE IS MY ADVICE.

Utterly horrendous business with no absolutely grasp of customer service whatsoever.
Somewhere there has been an error claiming my car has 8 years NCD (all along I'd only claimed and confirmed it had 1). Then asked for proof of no claims which I duly sent (proof was the renewal from GoSkippy stating amongst other things 1 yr NCD). Then dragging it out so I was nearly outside of the 14 days distancde selling protection said the proof I'd sent was not good enough (proof clearly had 1 yr on it). Fortunately GoSkippy had kindly emailed a proof of NCD in the meantime so I sent this. Then after waiting to the days after 14 days protection ended emailed to say they have "discovered my actual NCD is 1 year" which I'd stated and proved all along.
Now they want hundreds of extra pounds and are applying admin fees.
I've now little choice to let them rob me of this money and cancel the insurance. Despite the robbing I'm receiving it is cheaper to cancel and go back to GoSkippy than pay what theyre demanding. Never again will I thouvh this company with a bargepole!!

Where do I start. I’ve purchased car insurance for 46 years with little irritations but by golly RIAS are the absolute pits.
My husband has 10 years NCB up to last year when he retired.
Staff at RIAS have some sort of ulterior motive because for over 10 days we have been bombarded that if we don't provide the correct letters we will be cancelled! Got in touch with SAGA and sent RIAS direct from SAGA to confirm exactly what was stated. Today we received yet another threatening email warning us that we have 2 days to provide the information that the youngish we talking woman requested on the phone??? Frustratingly bad and on looking at the reviews it is obvious the staff in the NCB cannot read legal information from an insurer. Everything is on the computer nowadays so not sure what RIAS are doing but they are not providing 1% customer service only 99% threats that the complaints team will know!

Absolutely appalling company to deal with; RIAS suspended a limited claim, ultimately approved, for over a month rendering us effectively uninsured should there be a major catastrophe in that time. Can only deal with administrators, not underwriters or loss adjusters as was industry practice a while ago; probably an industry standard, but nevertheless disgraceful. Almost killed me with worry.

I bought travel insurance which stated all personal items are covered. My laptop bag with a very expensive laptop and some other items got stolen. I made a claim to RIAS and they deferred my claim to Taurus who declined my claim. I have been fleeced by RIAS insurance and therefore this review.

I’ve used Rias for a couple of years now for building and contents insurance and my premiums have been much the same.

I changed to ‘auto renewal’ last year and now, without any communication of my renewal or details of premium (due in 5 days time) they have already charged my card and the premium has doubled!!

I have made no claims with them or any other insurance company for over 20 years. A quick check online shows I can obtain an identical/better policy for what I paid last year, so needless to say I have cancelled but they still get to keep my money for 3-5 days whilst they refund. Nice business model if you can get away with it.

It's only 1 star because I cant give less!
We had the policy, we had a huge accident in the house, we made a claim and that's where the trouble started! RIAS were slow to react, caused additional damage through their MONTHS of delay. We made a complaint which their independently appointed solicitors upheld. Well over a year following the initial claim we finally settled. A week later RIAS wrote to us cancelling the policy. Then they had the nerve to charge a Policy Cancellation fee. None of this is emotion, it's pure fact - they are useless in every respect. They care for nothing except taking money from customers. They don't want to pay out on claims. They do everything possible to claw back tiny sums wherever they can. DO NOT BUY A POLICY FROM RIAS, you will be disappointed and have to fight for what is rightfully yours. Find an honest insurer instead.

Completely inflexible.
My premium increased by over 50%.
They would not even listen to matching quotes from competitors or even rewarding loyalty.
I appear to be joining an extremely long list of dissappointed customers. Perhaps the insurance ombudsman might take a look at their sharp practises.

I’ve also left this on the official RIAS review page but thought I’d post here too as this seems to be the truth page!

Avoid Avoid Avoid!
Lesson learned but could easily have been avoided, my wife had a bird strike claim two years ago. When renewing the insurance I told them about the claim but I said it wasn’t my wife’s fault. I believed this to be correct as how can you be to blame for a bird hitting your car?
Not according to RIAS, they tried to extort a £25 fee plus increase the premium by £68. I had no idea that it was deemed my wife’s fault. I tried to get them to see reason but no, they are not interested!
I’ve now been charged a £50 cancellation fee despite it being in the first 14 days because they say I deliberately misled them and also a £20 set up fee!
I’d much rather lose this now than have an incompetent company handle my claim in a real scenario.

On 31 January, whilst on holiday, I had a critical problem which needed resolution by 4February.
I instantly e mailed Rias and triggered an automatic response. Over the next five days I e mailed over a dozen times to no effect.
When the issue became critical PM 2 Feb I attempted to phone.
Calls from Cape Verde cost £4 per minute and I managed to exhaust all my credit plus my £50 overspend without ever getting past Option 3.
On 4 February, I received an automated e mail welcoming me to the UK from the e mail address I had been using. Clearly they had not read a single message.
The following day I received an e mail from a real person telling me since my policy had now expired, there was nothing they could do.
Spent the final three days of holiday without insurance.
On return to UK I told RIAS of my intention of forwarding all correspondence to the Financial Ombudsman.
The same day I was offered a full £296 refund on my policy.
Over the next couple of days all my e mails were answered within two hours and my refund came through.
So my message to you. Please, Please do not use this company. Their Customer Service is non existent.
RIAS, have you done anything to rectify this disaster?