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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)

Stunning revelation on follow up!

I have made the most extraordinary discovery re my 90 year old mother's claim. So exasperated have i been by my perception of the contempt that RIAS appear to have displayed to the elderly and vulnerable, I decided to request a copy of my file and all related notes under Data Protection legislation. There were many pieces of information that confirmed my previous views but one which did stand out was that the team leader handling my mother's claim, in writing made a recommendation that my mother's insurance renewal not be permitted as i had Twittered my complaints! Luckily he was advised by compliance and PR not to proceed down this route but it does astonish me that a 90 year-old lady would have been penalised because her son, looking after her affairs, had the audacity to publicly complain! Incidentally this same team leader just a few days later was making a final judgement on the compensation issues. Reviewed on: 21st November 2016

dont touch em.

rubbish rip off like your money , but they dont like giving you there money which you give them. never again, Reviewed on: 25th October 2016

A contemptible catalogue of error, inefficiency and mismanagement of a 90 year-old policyholder.

My mother had an escape of water at her property. The claim was acknowledged as valid and that was the end of the good news. I have had to handle my mother's affairs in this regard and I keep asking and not getting a satisfactory answer as to how she would have coped with this claim without support. Amongst the problems on this claim: 1. Reluctance by RIAS to properly project manage 2. Necessity for the policyholder to do project management, without compensation apparently 3. Despite being a policy for the older client an institutional misunderstanding of the needs of frail elderly at all levels 4. Aggressive, inappropriate and unprofessional responses when challenged on technical difficulties - on all of which the policyholder was proved correct 5. Contractors being engaged who did not properly complete the job with live electrical works not properly fitted and layers of dust all over the property 6. Extra costs and time incurred because of inefficiencies 7. Family being paid at rates less than the minimum wage rates (and presumably contractors rates) to clear up after contractors 8. Family being inducted to be allowed to go into property, then barred, then allowed. Persistent health and safety failings by those administering the repair. 9. Family being forbidden to repair fences or mow lawn because of incorrect health and safety interpretations, heightening security risks. 10. Company not allowing escalation beyond a certain level i.e. those who adjudicated would not allow their actions to be reviewed. 11. Requests for compensation short-circuited by RIAS and AGEAS by determining compensation without proper reference to evidence or even awaiting the submission of the evidence. Attempt by the company to outsource issue to FOS instead of thoroughly reviewing themselves. 12. A refusal to meet the family to discuss how the next 90 year-old can avoid being handled the same way. I have found this to be the most extraordinary Kafkaesque organisation I have ever had the misfortune to encounter. They are in deep denial. But, above all. how do they deal with the elderly, their target market, on an ongoing basis? Reviewed on: 29th August 2016

Excellent service

Upon renewal, I found RIAS very competitive with excellent cover and very clear policy documents. Only one claim, many years ago, which was settled in full with the minimum of delay. Reviewed on: 22nd June 2016

Direct Debit mix-up

I get both my car insurance and house insurance through the above company. My direct debits got mixed up at the time of renewal for the both of them. Rias were very helpful and now I pay £10 less per month because of this. Reviewed on: 24th December 2015

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