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RIAS: Home Insurance reviews

Name: Home Insurance
Rating: 3.46 (45 reviews)

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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

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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.

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RIAS Home Insurance reviews (45)

Unprofessional

My Mother sadly passed away two weeks ago. She had taken contents insurance for her house from Riaz and been with them for a number of years. Upon her passing, I contacted Riaz to inform them of the same. The gentleman (using the term loosely) that I spoke to seemed more interested in recovering the last premium payment (due out of her account some 7 days after she passed) than actually offering any sentiment of condolence. However, like my mother taught me, I firmly believe that a debt of any kind (in this case £14.25) needs to be settled & gave them my name & contact details to facilitate the same. Today I received a letter from Riaz at my (not my mother’s address) addressed to my mother stating there was an outstanding balance and demanding settlement within 7 days of the date of the letter (dated some four days earlier). There was no reference to the fact she was recently deceased. Please do not misunderstand me, I was not expecting a condolence card and flowers, but a professionally worded letter addressed to me at my address (AND NOT HER) referencing my earlier report of her passing stating there was an outstanding amount would have been perfectly acceptable... Dare I even suggest a remark noting sympathy??? Instead, my Mum (NOT ME) at my address receives a needlessly poorly toned and possibly threatening letter demanding payment. One can only conclude the Riaz are either unprofessional, disorganised, incompetent, don’t really care about their clients or are possibly in such troubled times that £14.25 could make or brake them to such a degree that they have to send such a shocking letter to a recently deceased person! Disgusted!!!! After calling them to again state I would settle the amount and objecting to the letter, they did write off the out-standing balance, but frankly, not nearly sufficient for my anger with them to subside! Would strongly discourage anyone from using them! Reviewed on: 5th October 2018

Nothing hidden

Having had my home contents insurance with RIAS last year, when my renewal came up I was amazed to find there was hardly any increase in the cost for my second year's insurance, making them still cheaper than any other. Included in that is a great customer service who listen to your needs and process everything exactly when they are asked to. Hopefully next year's renewal quote will be just as competitive. Reviewed on: 18th August 2018

Good

Helpful easy quick claim process Reviewed on: 20th June 2018

A welcome introduction

Made me feel welcome as a new customer. Gives me confidence that they would be efficient if I had to make a claim. Reviewed on: 1st October 2017

Excellent

I have been with RIAS for years and have never had a problem through at least five claims. Price never rose, all work completed in a very timely manner and all with no hassle what so ever. Reviewed on: 30th September 2017

Good service

Been with this company for years and never had a problem. Reviewed on: 26th September 2017

Always hassle free

I've been with RIAS for several years now and have always found them very friendly and helpful. They are cost effective and always hassle free to deal with. Highly recommend Reviewed on: 13th September 2017

Had an issue but resolved quickly

My policy schedule had a specific cover item missing which was on other documentation. I emailed RIAS via their online portal and the matter was resolved within 24 hours. Happy with the service and price. Reviewed on: 7th September 2017

Gouging Pensioners by charging over 3 times the average - AVOID!!

I just found out my 88 year old mother is paying £459.93 per year for home insurance. I only pay Admiral £135.64 for a holiday home of very similar value and property type which is unoccupied for 3 weeks of the month. I called Rias and spoke to a guy called George in Customer Service who offered no explanations or anything as to why they are taking advantage of a lady who is nearly 90. A quick look on the web reveals that RIAS is bad news I recommend anyone using them and especially if there are elderly family members check the price VERY, VERY, CAREFULLY!! Reviewed on: 29th August 2017

Home insurance

I found Rias helpful and the house insurance was reasonable, they are a reputable company and are easy to deal with, when I needed to make a claim the lady helped me all of the way, no pressure or difficulties, I have always trusted this insurer for my needs. Reviewed on: 1st August 2017

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