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.