RIAS travel insurance

RIAS travel insurance offers a range of travel insurance, including optional extras.

With an easy-to-navigate website and customer portal, insurance is made easier by Rias. This includes everything from managing your policy documents to making a claim.

If you're ready to start comparing quotes, select "Get a quote". Or, if you want to find out more about Rias and the travel insurance they offer, read on.

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Why choose RIAS travel insurance?

Easy access to policy documents and personal details. With your own account, you'll be able to view policy documents and update your details.
Optional extras. Customise your policy with extras like cruise, golf, and winter sports cover if a standard policy isn't enough.
Various insurance types are available. Along with cover levels, you can choose between either single-trip or annual travel insurance.

Who is RIAS?

Rias is an insurance provider that was founded in 1992.

Rias Insurance believes in offering high-quality, affordable insurance and excellent customer service. Since its launch, Rias has helped millions of customers enjoy peace of mind with its range of products. This includes car, home, and travel insurance.

Who underwrites RIAS travel insurance?

Rias Insurance is underwritten by Ageas Insurance. It's also authorised and regulated by the Financial Conduct Authority (FCA), and has the registration number 312468.

RIAS travel insurance policy details

As we've mentioned, Rias Insurance offers 3 different levels of cover. Let's break down what each level could offer you*:

Silver

Medical expenses up to £10 million
Cancellation cover up to £3000
Personal belongings cover up to £1250
Personal money up to £1000
Gadget cover up to £500
Missed departure up to £300
Pet care up to £250
Legal expenses up to £15000
Excess up to £100

Gold

Medical expenses up to £15 million
Cancellation cover up to £5000
Personal belongings cover up to £2000
Personal money up to £1250
Gadget cover up to £500
Missed departure up to £1000
Pet care up to £500
Legal expenses up to £25000
Excess up to £50

Platinum

Medical expenses up to £20 million
Cancellation cover up to £7500
Personal belongings up to £3000
Personal money up to £1500
Gadget cover up to £750
Missed departure up to £1250
Pet care up to £750
Legal expenses up to £25000
Excess up to £50

*Correct as of August 2024

RIAS travel insurance optional extras

Sometimes, you might find a standard policy isn't enough for your personal needs or the nature of your trip.

If that's the case, you can enhance your policy with an add-on. Let's take a look at them:

Cruise cover

If you're planning a cruise, a standard policy won't cover the risks that come with taking a cruise. Enhance your policy with a cruise add-on. It'll be able to cover you for the risks linked to cruises. For example, reimbursement for excursions missed due to your ship not docking at a port. Or, being confined to your cabin because of sickness.

Golf cover

Going golfing? Add golf cover to your policy. This covers you for golf-related problems. For example, accidental loss, damage or theft of your golf equipment.

Winter sports cover

If you're going skiing or snowboarding, you'll want to consider winter sports cover. It can cover you for the unique problems associated with alpine holidays. For example, a lost ski pass, or lost, damaged or stolen equipment.

Gadget cover

Are you travelling with expensive electronics? If you are, you might want to consider a gadget extension add-on. As standard, you can usually get up to £750 for accidental or malicious damage, loss or theft. But, with a gadget extension this amount can increase up to £3000. To be sure, it's worth checking your policy wording to find out exactly what's covered and the limits for each type of gadget.

Car hire excess insurance

If you're hiring a car, the 'excess' is the cost you agree to pay if it gets damaged and you make a claim. With a car hire excess add-on, you can be reimbursed for the cost of any excess you need to pay.

Can I get RIAS travel insurance if I have a pre-existing medical condition?

You might be able to get cover with Rias with a pre-existing medical condition.

You'll need to make sure you declare any medical conditions you have when getting a quote.

Some examples of a pre-existing medical condition include:

If Rias is unable to offer you cover, don't worry. The Money and Pensions Service (MaPS) might be able to help. They have a directory of travel insurers that can cover those with serious medical conditions. Phew.