Car insurance companies RIAS car insurance review

RIAS

logged-out which customer score 2

RIAS car insurance policy

Need to know:

  • Unlimited cover for glass damage
  • Driving other cars cover available for the policyholder
  • Doesn't provide NCD exemption in a claim with an uninsured driver

Table last updated in June 2016. Next updated in December 2016.

RIAS car insurance policy scores

We analyse and rate the 53 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. Initially, we score all of the product elements out of 5, reflecting how competitive each provider is in this area compared to other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
 

Most important policy elements
Interest charged on payment by instalments (APR) Subscriber only content 
No fault no claims discount (NCD) benefit? Subscriber only content 
Uninsured driver NCD benefit? Subscriber only content 
 
Renewal fee Subscriber only content 
NCD protection claims (number per year) Subscriber only content 
Theft of keys limit Subscriber only content 
Fire excess (standard compulsory) Subscriber only content 
Theft excess (standard compulsory) Subscriber only content 
Accidental damage excess (standard compulsory) Subscriber only content 
Secondary policy elements
Personal belongings limit Subscriber only content 
Medical expenses limit Subscriber only content 
Liability limit for property damage (including legal expenses) Subscriber only content 
Setup fee Subscriber only content 
Keys in car exclusion Subscriber only content 
Adjustment fee Subscriber only content 
Duplicate documents fee Subscriber only content 
Cancellation fee within cooling off periodSubscriber only content 
Cancellation fee after cooling off period Subscriber only content 
Windscreen limit Subscriber only content 
Windows limit Subscriber only content 
Sunroof limit Subscriber only content 
Loss of keys limit Subscriber only content 
Uninsured driver excess benefit? Subscriber only content 
Courtesy car Subscriber only content 
Courtesy car - guaranteed availability Subscriber only content 
Courtesy car limit Subscriber only content 
Windscreen replacement excess (standard compulsory) Subscriber only content 
Driver under-21 excess (standard compulsory) Subscriber only content 
Driver 21-24 excess (standard compulsory) Subscriber only content 
Other policy elements
Notice if insurer cancels Subscriber only content 
Audio limit - manufacturer Subscriber only content 
Sat Nav limit - manufacturer Subscriber only content 
Child car seat cover Subscriber only content 
New car replacement - damage Subscriber only content 
New car replacement - period Subscriber only content 
Total loss courtesy car Subscriber only content 
Total loss courtesy car period Subscriber only content 
Windscreen repair excess (standard compulsory) Subscriber only content 
24 hour emergency helpline Subscriber only content 
24 hour windscreen helpline Subscriber only content 
24 hour legal advice helpline Subscriber only content 
Credit card feeSubscriber only content 
Misfuelling coverSubscriber only content 
Driving other cars extensionSubscriber only content 
Driving other cars - emergency cover onlySubscriber only content 
Driving other cars - only covers policyholderSubscriber only content 
Driving other cars - cover in EuropeSubscriber only content 
Windscreen damage - claim affect NCD? Subscriber only content 
Windows damage - claim affect NCD? Subscriber only content 
Sunroof damage - claim affect NCD? Subscriber only content 
Driving abroad - courtesy car cover? Subscriber only content 
Driving abroad - Days per trip comprehensive cover available Subscriber only content 
Driving abroad - Days per year comprehensive cover available Subscriber only content 
Contact Number Subscriber only content 


Get Which? reviews and advice

Which? members have full access to all of our reviews - log in now if you're already a member or try a trial subscription to Which? to get instant access to our site.

Expert impartial reviews

When you sign up, you'll get access to this exclusive review as well as thousands of others.

Why use Which?

We test products in the way you use them, looking at quality and ease of use without being bamboozled by manufacturers' claims.

Independent

Which? is unbiased. We buy every product we test and don't accept any advertising.

Advice you can trust

When you join Which? you get a monthly magazine, you can phone our legal service and money helpline, and you can access Which? Local, where members share recommendations for services in your area.

Ready to become a Which? member? Then take out a trial subscription today.