Write a review

Newsletter

Go to business site

RIAS: Home Insurance reviews

Name: Home Insurance
Rating: 3.46 (45 reviews)

View other RIAS products

3.46

Based on 45 reviews, last reviewed 14th Aug 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

22%

3 star

67%

Latest highest rating:

5

Seamless insurance setup, very competitive with lots... Seamless insurance setup, very competitive with lots of options Reviewed on: 14th August 2026

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

Read all reviews Write a review

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.

Review RIAS: Home Insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

RIAS Home Insurance reviews (45)

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

Toilet not flushing.

I tried to report the problem by phone in September 2021, as I had taken our plumbing insurance earlier in the year. After waiting on hold for 20 minutes, I decided to report it via email. Someone rang me from RIAS the next day, but I missed the call. He said that he wanted to 'talks to me about it' I rang several times about it and each time was on hold for an average of half an hour. This went on throughout September, October, November. I didn't always manage to speak to anyone, as sometimes I couldn't cope with the repetition of Mozart 40 on a loop!! I sent several emails during this time, with little or no response, apart from an email saying that I was not covered for the repair. Finally, at the beginning of December, I rang a number which was answered straight away and a plumber was sent within 24 hours!! i had explained during my call that the cistern was behind a panel and was told that this would not be an issue. When the plumber arrived, he apologised and explained that the panel could not be removed as not covered by insurance!! I immediately rang RIAS and was told that it was covered and was out on hold. 40 minutes later I was told that it wasn't. I had to find someone to come and remove/replace panel. eventually, the plumber came back and did an excellent job within 2 days. I have now received a letter from AXA insurance saying that they are sorry to hear my complaint bout the plumbing job!! I have had to send an email explaining that my complaint was not about the plumber but about RIAS. I have also telephoned the plumber direct saying the same thing. I am 75 years of age and this whole thing has been very stressful for me. Apologies for the long rant. RIAS have also kindly renewed my policy!!! Reviewed on: 7th January 2022

Incompetent and no customer service

Rang to advise that my Mum had passed away and that we needed to keep the house and contents insurance as I still had the house. Was told to expect call from specialist dept. that deals with this event. 2.5 days later, nothing. Rang again only to be told policy had been cancelled following my earlier call. Asked to reinstate, they took payment for one months premium from my debit card then after a few minutes I was advised it could not be reinstated. Would not refund my payment as said payments are made in advance and yet the policy had only been in force for 18 days. How can they charge me a full months premium when they wrongly cancelled the policy after just 18 days.. Very poor service Reviewed on: 23rd June 2021

Auto renewal scam

Every year I get new household insurance, which I did after a year with Rias as the price had gone up so much. Little did I know but they automatically renewed anyway without my knowledge (they're very smug at telling you it's in the terms & conditions since my complaint) and they took my money (yes, I should have noticed that) even though insured with someone else. Then for the third year, I moved house and they still automatically renewed at my old address, even though I didn’t live there. I was of course insured with someone else. After complaining, they write to me at my old address that I haven’t lived there for over a year, stating they will charge me a non-refundable admin fee and may only consider a 50% refund of one of the years, but I also have to get a DUAL INSURANCE QUESTIONAIRE filled out by my previous insurer that have to be stamped with their company stamp – sending copies of my past policy isn’t enough. These people will do anything to wriggle out of paying back an unwanted premium and seem happy to go to ridiculous lengths of bureaucracy . I’m only glad I didn’t have to make a claim, you can imagine how difficult that would be. It’s a principle thing now and have got the Ombudsman involved. Reviewed on: 13th November 2020

Water leak in July still not resolved

Water leak in July and no electric in the lounge since then, still waiting for the claim to complete with rias. Constantly having to chase with call wait times up to an hour each time to no effect, would not recommend this insurance - avoid. Reviewed on: 26th September 2020

Settled a fraudulent clam agaisnt my name

Appaling! I had a fraudulent claim made agaisnt me last year. I got in contact right away to defend myself and told them there was no way I could have been involved as I would have to have been in teo places at once. I also sent a email letter to AGEAS stating everything and heard nothing more, so i assumed that was the end of it. I recieved my renewell qoute a few weeks a go with a renewell of over £150 a month with all of my no claims taken from me! On speaking to AGEAS they claim theyve not even madr a final decision on this case yet as they hadnt collected my evidence! This is illegal as you cannot wipe a persons no claims until found guilty of an accident! Ive already said legal action will be the next step for this shocking company Reviewed on: 28th June 2020

Easy to sort out

I have my contents insured with rias and it was easy to set up and a very competitive price. Reviewed on: 12th September 2019

Rip off

Been with this company for about 20 yrs paying £53 a month for house & contents insurance !!! When our immersion heater broke we contacted them ,they sent someone out to fix it .the gentleman said it can't be repaired ,so got back to Ria's,to be told they won't replace it ,although they were told by the engineer its not repairable,Ria's still told us they would only pay for the repairs !!!!!we have never claimed from this company in all the years we have been with them ,They then sent US a bill for £130 for cancellation, what a bloody joke just like the company,so if you are unfortunate to join this company I would enquire about everything you are entitled too before you waste your money !!!!!!! Reviewed on: 15th February 2019

No Customer Service Skills Whatsoever

My mother passed away & I received an abruptly worded letter demanding answers to numerous questions & an alternative funding source for her contents insurance. Upon phoning them I was left on hold for 12 minutes, they are the only company to totally disregard the common courtesy of offering condolences. The woman (having put me on hold three times by this point) and whose manner was barely civil said that I couldn't cancel the insurance and they would need a copy of the Death Certificate (which is standard) plus they would need payment of £11.27 for the months premium pro rata (payment was last made on the 3rd and she died on the 7th). Once again she was dismissive and seemed totally oblivious of the fact that although RIAS could lose £11.27, I had just lost my mother. I would never recommend them & hope never to have to deal with them & having looked at a comparison site today found the premium was twice what other companies are quoting. Reviewed on: 22nd November 2018

Do you have a different RIAS product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Home Insurance
from Principality Building Society 4.06 from 1 reviews
Landlord Insurance
from Uinsure 4.12 from 2 reviews
Contents Insurance
from GetSafe 3.30 from 14 reviews

Want to see more from RIAS?

Caravan Insurance
from RIAS 4.06 from 1 reviews
Breakdown Cover
from RIAS 3.97 from 1 reviews
Car Insurance
from RIAS 2.79 from 15 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub