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RIAS: Home Insurance reviews

Name: Home Insurance
Rating: 2.07 (44 reviews)

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1.92

Based on 44 reviews, last reviewed 29th Jan 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

20%

3 star

68%

Latest highest rating:

5

Reasonable premium cost and good claims servuce Pleasantly surprised by the increase in premium since other insurers have hiked their prices so much. Unfortunately had a claim last year, which was d... Read more Reviewed on: 23rd August 2023

Latest lowest rating:

2

Loyal customer -no claims-but 50% Renewal increase!? Have been with RIAS for many years, but this year the renewal requested was 50% more! Found alternative 5star cover for same as last year! Reviewed on: 29th January 2025

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About this product

At Smart Money People, we collect RIAS home insurance reviews from genuine policyholders. This collective wisdom can help you decide if RIAS is the right provider for you.

RIAS offers buildings cover, contents cover and a combined policy of both. All policyholders can benefit from a 24/7 claims line and certain items of technology covered as standard. You can make your policy even more robust by adding on additional extras to your policy. These include, but are not limited to, excess protection, key cover and personal legal protection.

Read our RIAS home insurance reviews for in-depth information about the insurer and its policies. Learn from genuine policyholders how well RIAS services its customers and how secure its home insurance policies are. Find out if the add-ons offered by RIAS are good value for money, and whether customers would renew their policies.

Have you had a home insurance policy with RIAS? Tell us about your experience. Did you choose buildings cover, contents cover, or opt for the combined policy? Did you add on any additional extras, and if so, did you find them to be worth the extra cost? Did you need to make a claim, and if so, how well was it handled? Would you recommend RIAS home insurance to family and friends? Did you encounter any hidden fees, or any other aspects that prospective policyholders should be aware of?

Leave an honest RIAS home insurance review today to help people just like you make better decisions.

RIAS Home Insurance reviews (44)

Review of the RIAS, Home Insurance:

Loyal customer -no claims-but 50% Renewal increase!?

Have been with RIAS for many years, but this year the renewal requested was 50% more! Found alternative 5star cover for same as last year! Reviewed on: 29th January 2025

Inflexible and doesn't value existing customers

I received my insurance renewal quote and asked whether I could either extend my insurance on a monthly basis or take out a short term insurance as I'm planning to do Airbnb in a couple of months. Apparently this is not possible and my insurance will be cancelled. I had home insurance with RIAS for years and never made a claim. Had I let it auto-renew, I could have cancelled it when the Airbnb is set up, but because I was honest and spoke to them first, I now have to reinsure my property with another provider for two months. Insurers ask customers to be honest, but it's often to our detriment. Reviewed on: 16th May 2022

RIAS aren't renewing my house policy. Why?

I have been with RIAS for some years. I've never been late with a payment. Why do I and my home suddenly 'not fit their criteria? I'm not in a flood zone. My house is well constructed, built 50 years ago. Reviewed on: 13th April 2022

Bullying an eighty two year old man into submission disgusts me on every level!

Bullying an eighty two year old man into submission disgusts me on every level! I have waited on the phone for one hour and fifteen minutes and when I got through I was cut off. I am back in the queue so have decided to explain my issue with this company. My eighty two year old father had storm damage to the roof of his house over three weeks ago. The winds were recorded at over sixty miles per hour at the time. He called Rias insurance who he has a policy with and after one hour and fifteen minutes he got through. He explained the event and the recorded winds were checked by the company and they accepted that he was insured for the damage. They said they would appoint a roofer to repair the damage.(C.R.Morris LTD) A week later a a man turned up with a camera and said he was there to assess the damage and he came from an independent company. He told my father that the roof had been repaired before and took full advantage of my fathers age related vulnerability and then left. My father had not heard from them so after two weeks he called Rias and was told they would not be carrying out the repairs, he asked why and they said the assessor had rejected the claim. I have a legal representative onboard as water is likely to be entering the property by now, and they are in breach of their contract! Bullying an eighty two year old man into submission disgusts me on every level! Other houses in the road had similar damage but they have been repaired! ..I am still waiting in the queue to make my formal complaint before proceedings. Reviewed on: 1st April 2022

Scammers

Do not answer phone calls, ignore claims. Over month after storm no correspondence no insurance assessment nothing Worse insurance company by far ever had misfortune to insure with. Going to seek advise from insurance Ombudsman This company should not be trading Extremely unfair towards consumer!!! Reviewed on: 28th March 2022

Horrible Company

I was hit by another driver and they told me that I should pay a £350 excess and would be returned to me after a month. Its been 6 months now and have still not received my refund even after chasing. Simply horrible! Reviewed on: 14th March 2022

Disgusting company no service

This is possibly the worse insurance company on the market.They dont see to any phone, calls, emails and any kind of communication. I had a burst pipe with water gushing out and have been unable for days so far to get hold of anybody. They dont care they jus take your money and run. I think I migh have a legal battle on my hands with them. I can only say stay away from this scam company. Reviewed on: 24th February 2022

Pitiful

Storm Eunice had just blown ridge tiles from my roof, smashing other tiles on their way down. Rain water seeping in. House is only 18 months old. Phoned Rias. Utterly pointless. Made no effort to help me but went to great lengths to wriggle out of a claim. Insisted that the excess would be £300 even though the policy says excess is £75. Then said that Storm Eunice was not a storm – it was only a ‘strong gale’ and as such I could not claim! It is difficult to handle this level of stupidity I have raised a complaint but to receive such a pitiful level of service at a time of very considerable stress is unforgivable. These cowboy tactics only serve to deter people from buying insurance. Reviewed on: 20th February 2022

Stay clear of Rias insurance

No customer loyalty with Rias they just don't care, they will not try to help anyone who is insured with them.They choose to laspe your policy within hours of it not being renewed, other insurers give you time if you have a good reason, as I did. This company are heartless. Reviewed on: 16th February 2022

A company that does not value customers who have been with them years and not had any claims

Insured with them for years because I was a few hours late renewing my policy they told me it would now be £90 more, terrible unreliable don't tell you the truth this company. Don't insure with them, or you will be sorry. Reviewed on: 16th February 2022

Not at all telling people how I have been treated by them, so they do not insure with them

10 years insured and missed my renewal by hours and they said now it's lapsed so it will cost£90. More. Found insurance £40 cheaper than original quote so will not ever insure with them or recommend them ever again. They do not respect loyal customers who have never claimed. Reviewed on: 16th February 2022

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