
Rias offers a range of holiday insurance policies to suit different needs and budgets.
You can choose from single-trip, multi-trip, and annual policies, depending on how often you travel.
The maximum age limit for Rias holiday insurance is 84 years old, and policies can be extended up to 10 years.
Some policies offer additional benefits, such as winter sports cover and business travel insurance.
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Insurance Providers
Esure is a great option to consider, with over 20 years of experience in providing insurance. They offer expert-rated travel insurance with a 5-star Defaqto rating.
You can choose from their Classic and Extra cover levels, both of which include 24/7 assistance. Esure is also happy to offer cover for many pre-existing medical conditions.
Rias is another reputable insurance provider, offering three levels of cover to choose from. Each level includes medical expenses, with up to £15 million under Rias Premier Travel Insurance.
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Esure
Esure is a reliable insurance provider with over 20 years of experience in offering travel insurance solutions.
They offer expert-rated travel insurance with a 5-star Defaqto rating for their Classic and Extra cover levels.
Their Extra cover level provides up to £15 million in emergency medical and repatriation expenses.
With Esure, you can get cover for many pre-existing medical conditions.
Their 24/7 assistance is available on all three cover levels they offer.
You can tailor your policy to suit your needs with their optional extras.
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Rias
Rias is a travel insurance provider that offers three levels of cover to choose from, all of which include medical expenses up to £15 million under their Premier policy.
You can tailor your policy to suit your needs with their optional extras, making it a great option for those with specific requirements.
Each level of cover comes with a 24/7 emergency helpline, providing peace of mind when you're away from home.
Rias is also happy to quote for most pre-existing medical conditions, making it a more inclusive option for those with ongoing health issues.
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Policy Details
Rias holiday insurance offers three levels of gadget cover, each with its own set of benefits and limits.
The Rias silver travel insurance policy includes £500 in gadget cover for accidental or malicious damage, loss, or theft. This is a good starting point for those who want some basic protection.
The Rias gold and platinum policies offer higher gadget cover limits, with £750 and £1,000 respectively for accidental or malicious damage, loss, or theft. However, the Rias gold policy also offers a higher limit for gadget cover extension, with £2,000 available for accidental or malicious damage, loss, or theft.
Here's a breakdown of the gadget cover limits for each policy:
What's Included?
Our Single trip travel insurance policy includes cover for Covid as standard, which means you're protected against cancellation and medical expenses if you're diagnosed with Covid-19.
You can choose from different levels of cover, including our Rias Platinum Travel Insurance, which offers up to £20 million of cover for medical expenses.
To keep track of your policy, you can review and check details online 24/7, as well as download documents.
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Cruise Cover
Cruise cover is a vital aspect of your travel insurance policy, and it's essential to understand what's covered and what's not.
The Rias silver travel insurance policy includes cover for missed ports, with a limit of £500 in total. This can be a significant amount, especially if you're planning a long cruise.
Stateroom confinement is also covered, with a daily limit of £250 for the Rias silver policy. This can help you recover some of the costs if you're unable to leave your cabin due to illness or injury.
Unused excursions are covered, but the amount varies depending on the policy level. The Rias silver policy covers up to £300, while the Rias gold policy covers up to £500. The Rias platinum policy covers the highest amount, up to £750.
If you need to take additional baggage, the Rias silver policy has a limit of £2,500. The Rias gold policy has a higher limit of £3,000, while the Rias platinum policy has the highest limit of £3,500.
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Here's a summary of the key benefits and limits for each policy level:
The Rias silver, gold, and platinum policies all have a single item/pair/set limit of £400, £500, and £750 respectively. This can help you recover some of the costs if you lose or damage a valuable item.
Single-Trip & Multi-Trip
Single-trip and multi-trip insurance policies are available at RIAS, offering flexibility for travelers. The maximum days per trip for single and annual multi-trip insurance policies are 150 days and 31 or 45 days, respectively.
RIAS has specific age limits for their insurance policies. For single-trip insurance, there is no age limit, but for annual multi-trip insurance, the maximum age limit is 65 years.
Here's a breakdown of the maximum days per trip and age limits for single and annual multi-trip insurance policies at RIAS:
The standard excess for RIAS insurance policies is £50, unless otherwise stated. Medical expenses are covered up to £10 million, and trip cancellation or curtailment is covered up to £5,000.
General Exclusions at Holiday
To ensure you're covered by your holiday policy, it's essential to understand the general exclusions at RIAS travel insurance.
You must be a resident of the UK and have been for the previous 6 months prior to purchasing the policy. This means you'll need to have a fixed address in the UK to qualify for coverage.
Your trip must start and end in the UK, so make sure you're not planning to travel internationally without a valid return ticket.
You must be registered with a medical practitioner in the UK, which is a straightforward requirement that most people meet.
For couples and family policies, all adults must live at the same address, so if you're planning to purchase a joint policy, this is an important consideration.
You must not be travelling against your government's travel advice, so it's a good idea to check the latest guidance before booking your trip.
You must disclose any pre-existing medical conditions you have, which is a crucial step in getting the right level of coverage for your needs.
Optional Extras
Optional Extras can really make a big difference in your holiday insurance. With RIAS, you can add extra cover for your golf equipment and green fees.
RIAS offers various optional extras to enhance your travel insurance. Golf cover is available, which comes with benefits such as equipment cover and green fee protection.
If you're planning a cruise, RIAS does not offer cruise cover, but you can consider adding a car hire excess waiver, which provides up to £2,000 cover.
Our Optional Extras
Holiday Extras offers a range of optional extras to enhance your travel insurance policy, including Cruise cover to help with 'Missed Ports' and more.
If you're planning a golfing trip, you can add Golf cover to cover your equipment, green fees, and more.
Winter sports enthusiasts can add Optional Winter Sports Cover, which comes with benefits such as up to £500 for winter sports equipment that you own or hire.
RIAS offers Excess Waiver Cover as an upgrade, which can provide up to £2,000 cover.
Here are some of the optional extras available at Holiday Extras and RIAS:
RIAS also offers Optional Business Travel Cover, which may not be available as a separate option but can be included in their Single or Annual Multi Trip policies if you choose to travel for business.
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Gadget Cover
Gadget Cover is an optional extra that can be added to your travel insurance policy. It provides protection for your gadgets against accidental or malicious damage, loss, or theft.
You can choose from three levels of gadget cover: Rias Silver, Rias Gold, and Rias Platinum. The coverage amounts vary depending on the level of cover you choose.
Here's a breakdown of the gadget cover amounts for each level:
If you need extra protection, you can also add a gadget cover extension to your policy. This provides additional coverage for accidental or malicious damage, loss, or theft, and unauthorised usage.
Expert and Consumer Reviews: Defaqto, TrustPilot
RIAS holiday insurance has received excellent reviews from both experts and consumers. Defaqto expert rating gave RIAS 5 stars out of 5.
Defaqto is a well-respected organization that analyzes and weights various factors such as cover details, admin fees, value for money, claim and complaint process, and more. RIAS has consistently received high scores from Defaqto.
Consumers have also shared their opinions about RIAS on independent websites like TrustPilot, with an average rating of 4.4/5 based on over 3.6K opinions.
If you're considering RIAS holiday insurance, it's worth checking out their breakdown cover options, which start at £39.99 per year. This includes 24/7 roadside repair and assistance, and can be upgraded to comprehensive gold or total protection for added peace of mind.
Some of the other add-ons you can consider include motor legal protection, which provides £100,000 cover for the driver, passengers, and the car in the case of an accident caused by an identifiable person, as well as legal fees, advice, and support.
Pricing and Discounts

If you're looking for ways to save on your RIAS holiday insurance, you can use their travel insurance comparison tool to find the latest promo codes and vouchers available.
RIAS offers a convenient way to compare travel insurance options and find discounts, making it easier to get the coverage you need without breaking the bank.
To get started, simply head to the RIAS website and use their comparison tool to find the best deals on travel insurance.
How Much
Pricing can vary greatly depending on the type of product or service.
For example, a basic plan for a popular software can cost as little as $10 per month, while a premium plan can cost upwards of $50 per month.
The cost of a gym membership can also fluctuate, with some gyms charging as low as $20 per month and others charging upwards of $100 per month.
Discounts can also be a significant factor in pricing, with some companies offering 10% off for first-time customers and others offering 20% off for students.
In some cases, discounts can be applied to entire orders, such as a 15% discount on all online purchases over $50.
Some companies also offer tiered pricing, with higher-tier plans offering additional features or support for a higher cost.
Can I Get Discounts or Codes?

If you're looking for discounts or promo codes, you can use comparison tools to be aware of the latest offers available.
You can also check with RIAS directly to see if they have any travel insurance discounts or promo codes available.
RIAS has a comparison tool that can help you find the best travel insurance options, including any available promo codes or vouchers.
Cancel Annual Policy
Canceling your annual RIAS travel insurance policy is a straightforward process. You can cancel within the 14-day cooling off period without incurring any cancellation fees.
If you're outside the cooling off period, you won't receive a refund. It's essential to review your policy terms before making a decision.
To cancel your policy, you can send an email to [email protected] or give them a call at 0345 234 0008.
Get a Quote
Getting a quote for travel insurance is a breeze. You can use a 100% online comparison tool to compare policies in just a few seconds without giving any personal details.
RIAS has a straightforward process for getting a quote. If you find their policy right for you, simply click on "get quote" and you'll be directed through their sales channel.
Travel insurance quotes can be obtained quickly and easily online.
How to Contact

If you need to contact Rias Holiday Insurance, you can reach out to them through their dedicated customer service line, available 24/7 at 0800 389 6571.
Their customer service team is available to answer any questions or concerns you may have about your policy, including claims and policy changes.
You can also get in touch with Rias Holiday Insurance via their email address, [[email protected]](mailto:[email protected]), for non-urgent matters.
Their website also has a comprehensive FAQs section that addresses many common queries, so you may be able to find the answer to your question without needing to contact them directly.
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Additional Information
To be eligible for a travel insurance policy at RIAS, you'll need to meet certain requirements.
You can get a travel insurance policy from RIAS if you're a UK resident.
The policy is designed to provide financial protection for unexpected events, such as trip cancellations or medical emergencies.
There's no specific information on the maximum age limit for applicants in the provided article section.
You should carefully review the policy details and terms before making a purchase.
Company Evaluation

Rias holiday insurance has a solid overall rating of 4.2 on safety, which is a good sign. The company is authorised and regulated by the Financial Conduct Authority, giving customers peace of mind.
Rias is a trading name of Ageas Retail Limited, and they offer Single and Annual Multi Trip Policies across one standard level of cover. This means that customers have a clear idea of what to expect from their policy.
Their Single Trip Policy has a maximum duration of 150 days, which is a relatively long period of time for a single trip. The Annual Multi Trip Policy, on the other hand, has a maximum of 31 or 45 days per trip, depending on the policy chosen.
One of the standout features of Rias holiday insurance is the high limits of their cover. For example, the medical emergency cover limit is £10M, which is a significant amount of money. Personal accident cover is £25,000, and cancellation cover is £5,000.
Here is a summary of the main travel insurance policies offered by Rias:
In addition to their main travel insurance policies, Rias also provides extra cover such as backpackers travel insurance, long stay travel insurance, and cover for business trips. This means that customers can tailor their policy to their specific needs.
Contents
If you're considering Rias holiday insurance, it's worth noting that they offer a range of cover options for your belongings.
You can choose to insure up to £100,000 of your contents, which is a generous sum for most people's belongings.
Rias also provides alternative emergency accommodation for up to £20,000, which can be a lifesaver if you need to find a place to stay while your home is being repaired.
The single item limit is £1,500, so if you have a particularly valuable item, you'll want to make sure it's covered.
If you need to claim for items left in the open, you're covered for up to £2,000, and if you have items in outbuildings, you're covered for up to £5,000.
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It's also worth noting that you can insure money or credit cards kept at home for up to £500 each.
Here's a summary of the contents cover options:
The standard excess to report a claim is £50, so you'll need to factor that in when deciding whether to make a claim.
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Frequently Asked Questions
Who is the parent company of Rias insurance?
The parent company of Rias insurance is Ageas Retail Limited. Ageas Retail Limited is a subsidiary of Ageas, a global insurance company.
What is the phone number for Rias holiday insurance?
To amend or update your Rias holiday insurance policy, call 0345 165 5762. This phone number is available for policy changes and updates.
Sources
- https://www.medicaltravelcompared.co.uk/about-us/specialist-travel-insurance-panel/
- https://www.rias.co.uk/travel-insurance/single-trip-cover/
- https://hellosafe.co.uk/travel-insurance/companies/rias
- https://hellosafe.co.uk/insurance/companies/rias
- https://forums.moneysavingexpert.com/discussion/127313/rias-any-problems
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