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If you are looking for a reliable car insurance provider that prioritizes the needs of the older generation, look no further than RIAS car insurance. RIAS stands for ‘Retirement Insurance Advisory Service,’ and the company has been providing insurance solutions to people aged 50 and over for over 25 years.
In this article, we will explore everything you need to know about RIAS car insurance, including its coverage options, customer service, pricing, and more. So, whether you are looking to purchase car insurance for the first time or thinking of switching to a new provider, read on to find out how RIAS could be the perfect choice for you.
RIAS Car Insurance: What Does It Cover?
Before we dive into the specifics of RIAS car insurance, let’s first understand what type of coverage you can expect from the provider. RIAS offers two main types of car insurance, namely:
Third-Party Only Car Insurance
This is the most basic type of car insurance policy that covers any damages or injuries caused to a third-party by your car. It does not cover any damages to your own car or injuries to yourself.
However, this type of policy can be useful if you have an older car with low market value and are looking for a more affordable insurance option.
Comprehensive Car Insurance
This is the most extensive type of car insurance policy offered by RIAS. It covers damages to your own car as well as any third-party damages or injuries caused by your car. Comprehensive car insurance also covers theft, fire, and accidental damage.
If you have a newer car or a car with a higher market value, it’s recommended to opt for comprehensive car insurance for maximum protection.
| RIAS Car Insurance Coverage | Third-Party Only Insurance | Comprehensive Insurance |
|---|---|---|
| Third-party damages | ✓ | ✓ |
| Third-party injuries | ✓ | ✓ |
| Own car damages | x | ✓ |
| Own car theft | x | ✓ |
| Own car fire | x | ✓ |
| Accidental damage | x | ✓ |
Additional Coverage Options
RIAS also offers additional coverage options that you can add to your policy for extra protection. These include:
- Breakdown cover
- Legal assistance
- Personal accident cover
- Key protection
- Glass repair cover
How Does RIAS Car Insurance Work?
Now that you know what type of coverage RIAS car insurance offers let’s understand how it works. Here’s a step-by-step guide to getting car insurance from RIAS:
Step 1: Get a Quote
The first step is to get a quote from RIAS either online or over the phone. You will need to provide details about your car, your driving history, and your personal information to get an accurate quote.
RIAS also has a quote retrieval service where you can retrieve a previously saved quote by entering your reference number and details.
Step 2: Customize Your Policy
Once you have received your quote, you can customize your policy by adding additional coverage options or adjusting your coverage limits. RIAS offers a range of customization options to suit your specific needs and budget.
Step 3: Purchase Your Policy
If you are satisfied with the coverage and pricing, you can purchase your policy online or over the phone. You will need to provide payment details and confirm your personal information before your policy is activated.
Step 4: Receive Your Documents
After purchasing your policy, you will receive your policy documents either via email or post. These will include your policy schedule, certificate of insurance, and terms and conditions.
Make sure to read these documents carefully and keep them in a safe place for future reference.
Step 5: Make a Claim
If you need to make a claim, you can contact RIAS’s claims team either online or over the phone. They will guide you through the claims process and help you get your car repaired or replaced as soon as possible.
RIAS Car Insurance: Customer Service and Reviews
When it comes to car insurance, customer service is key. You want to make sure that your insurance provider is easy to reach, responsive, and helpful in times of need. So, how does RIAS fare in terms of customer service?
Customer Service
RIAS has received an overall rating of 4.6/5 on ReviewCentre.com, based on over 700 reviews. Customers have praised the provider for its friendly and helpful customer service team, as well as its quick and hassle-free claims process.
RIAS also offers a 24/7 claims helpline, so you can get in touch with them anytime you need assistance. Additionally, the provider has an online self-service portal where you can manage your policy, view your documents, and make changes to your coverage.
Reviews
RIAS has received a rating of 4.2/5 on Trustpilot.com based on over 1,500 reviews. Customers have commended the provider for its competitive pricing, clear and concise policy documents, and excellent customer service.
However, some customers have reported issues with policy cancellations and changes, so it’s important to read the terms and conditions carefully before making any amendments to your policy.
RIAS Car Insurance: Pricing and Discounts
Now that we have covered the coverage options and customer service, let’s talk about pricing. How does RIAS’s pricing compare to other car insurance providers, and what discounts can you expect as a policyholder?
Pricing
RIAS offers competitive prices for its car insurance policies, but the actual cost will depend on various factors such as:
- Your age
- Your driving history
- Your location
- Your car make and model
- Your coverage limits
It’s worth comparing quotes from multiple providers to ensure you are getting the best deal for your specific needs and circumstances.
Discounts
RIAS offers various discounts to policyholders, including:
- No-claims discount
- Multi-car discount
- Advanced driving course discount
- Low-mileage discount
Make sure to ask your RIAS representative about any available discounts that you may be eligible for.
RIAS Car Insurance: Frequently Asked Questions (FAQs)
Q. Who is eligible for RIAS car insurance?
A. RIAS car insurance is available to people aged 50 and over who hold a valid UK driving license.
Q. How can I get a quote from RIAS?
A. You can get a quote from RIAS by visiting their website or calling their customer service team.
Q. What type of car insurance does RIAS offer?
A. RIAS offers two main types of car insurance: Third-Party Only Insurance and Comprehensive Insurance.
Q. What additional coverage options does RIAS offer?
A. RIAS offers various additional coverage options, including Breakdown cover, Legal assistance, Personal accident cover, Key protection, and Glass repair cover.
Q. Does RIAS offer discounts for policyholders?
A. Yes, RIAS offers various discounts to policyholders, including No-claims discount, Multi-car discount, Advanced driving course discount, and Low-mileage discount.
Q. How can I make a claim with RIAS?
A. You can make a claim with RIAS by contacting their claims team either online or over the phone.
Q. What is RIAS’s customer service like?
A. RIAS has received positive reviews for its friendly and helpful customer service team and quick and hassle-free claims process.
Q. Is RIAS car insurance good value for money?
A. RIAS offers competitive pricing and various discounts to policyholders, making it a good value for money option.
Conclusion
RIAS car insurance is a reliable and affordable option for people aged 50 and over who are looking for quality car insurance coverage. With its comprehensive coverage options, helpful customer service team, and competitive pricing, RIAS is a provider that you can trust.
Whether you are purchasing your first car insurance policy or looking to switch to a new provider, consider giving RIAS a try. You may be pleasantly surprised at how easy and hassle-free the process can be.
