Products
- Car
  
  Defaqto 5 Star Rated cover for your car
  
  Get your quote Find out more
  
  We provide insurance to over 3 million* motor, home and business customers.
- Home
  
  Defaqto 5 Star Rated cover that's packed with benefits
  
  Get your quote Find out more
- Travel
  
  Flexible single or annual multi-trip travel insurance
  
  Get your quote Find out more
News & Guides
Help & Support
Claim

Start your quote

Car insurance as it should be

Defaqto 5 Star Rated Car Cover

Start your quote Retrieve your quote

Already a policy holder?

Mint green coloured car

ServiceMark accredited by the ICS

Excellent Customer Service

Recognised by the ICS for our excellent level of customer service.

Start your quote Retrieve quote

Don't just take our word for it...

Customers rate us Excellent on Trustpilot

Take a look at our optional extras

A wheel with a flat tyre

Breakdown Cover, from £36.00 a year

Gavel on a blue background

Motor Legal Protection from only £22.75 a year

Two cars side by side

Replacement car cover only £26.50

Quick, easy and efficient. A difficult situation for us solved quickly. Very impressed.

Mrs L Coulson, Brixham

Home Insurance

5 Star Defaqto rated cover. Get a quote in minutes to see what you could save.

Find out more Start your quote

Travel Insurance

Get ready for your next adventure with our flexible single or annual multi-trip travel insurance.

Find out more Start your quote

News and guides

From handy hints to the latest updates – stay in the loop with the topics that matter to you.

White car being towed away

Tuesday, 28 March 2017

Essential breakdown tips

A door being unlocked with silver key

Monday, 24 October 2016

Home security tips

Painted pots with plants in

Tuesday, 15 August 2017

Easy DIY projects to transform your home

Painted pots with plants in

Tuesday, 15 August 2017

Easy DIY projects to transform your home

Frequently asked questions about our car insurance

Main content

Yes, you'll be given a courtesy car while your car is being repaired by an approved repairer. We also offer replacement car cover as an optional extra.

The possibility of driving other cars under your car insurance policy depends on your individual requirements and cannot be added for an additional charge.

If you already have a policy with us and would like to know if you're covered to drive other vehicles, please check your Certificate of Motor insurance.

If you want to get a car insurance quote and would like to know whether driving other cars is included, please call us or contact us via Live chat.

The United Kingdom (UK) left the European Union (EU) on 31st January 2020 with a Withdrawal Agreement and subsequently entered into a transitional period which ended on 31st December 2020.

Since the UK Government announced the confirmation of a trade deal at the end of 2020, anyone wishing to drive their vehicle outside of the UK from the 1st January 2021, had been required to carry a Green Card.

The European Commission has announced that with effect from the 2^nd August 2021, UK drivers will no longer be required to carry Green Cards when driving their vehicle in the EU (including Ireland), Andorra, Bosnia and Herzegovina, Iceland, Liechtenstein, Norway, Serbia, and Switzerland. Please note that a Green Card may still be required to drive in other countries, including: Albania, Azerbaijan, Belarus, Moldova, Russia, Turkey and Ukraine. For more information, please visit: https://www.gov.uk/vehicle-insurance/driving-abroad.

A Green Card is an International Motor Insurance Certificate which evidences that your current insurance policy provides the necessary minimum level of cover for driving in the EU country you are travelling to or through. While we await further details, it is best to carry your Green Card for all journeys to the EU or EEA. In addition to the basic cover which the Green Card gives you, your insurance policy provides you with full insurance cover for up to 90 days.

You can find more information on our Driving in Europe page.

We'll get in touch with you if we need to see proof of your No Claims Discount (NCD). If we've already contacted you, you can provide your proof of No Claims Discount by uploading it in your online account. Just so you know, if we ask you for proof of your No Claims Discount, you’ll need to send it to us within 14 days of purchase, otherwise we’ll have to cancel your policy and won’t be able to restart cover for you.

What to do

Once you're logged in, click ‘upload documents’. You can add your No Claims Discount file here, which will be sent to us to review.

If you haven't registered for an account yet, you can create your account here.

Alternatively, you can post your proof of No Claims Discount to the following address:

Rias
Deansleigh House, Deansleigh Road
Bournemouth BH7 7DU

Note: Please do not send your proof of NCD to any other postal address, as this may mean we are unable to process it or start your policy.

Once we’ve received your proof we'll then contact you to confirm it is acceptable or let you know if we need any more information.

What we accept

The documents we accept as proof of your No Claims Discount will have to be either a renewal invitation, a cancellation letter or a Proof of No Claims Discount letter from your previous insurer. Whichever option you go for, the document you submit to us will need to include:

A letterhead that clearly identifies your previous insurer
Your previous policy number
Your previous policy expiry date
Your name
Your No Claims Discount in years

The document you upload through your account can be in a variety of formats, including Microsoft Word, PDF, or a photo in the following formats: GIF, PNG, JPG, JPEG and JPE. Just make sure your document is less than 3MB.

You can send original copies, photos or screenshots, as long as we can see the whole document. Please send all pages on any letters you are using for proof. We’re happy to accept your proof as a single file.

Yes, you can even claim back any cancellation fees you're charged by your current insurance provider, up to the value of £75. Terms and conditions apply.

No – cover on your old car will end as soon as the cover on your new car begins. If you’d like to keep your old car insured after you pick up your new car, you can add it to your policy as a temporary vehicle at an extra cost.

There could be a few reasons you have an outstanding balance on your account, such as the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car or home online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

If you have an outstanding balance notification on your car or home online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

Yes, you can easily make a payment online if there is an outstanding balance on your car or home account. Just log in to your online account and click ‘Pay outstanding balance’ and we will guide you through the process.

For Rias Car and Home insurance customers, yes it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we will guide you through the process.

For Rias travel insurance customers, simply log into your online account where you can make the changes. You can also email service@rias-travel.co.uk or contact us.

**Providing the accident wasn’t your fault. Make, model and registration of other vehicle needed.

†Excludes cars written off or stolen and unrecovered.

††Replacement fuel costs are not covered.

^^Subject to the vehicle being maintained in accordance with the manufacturer routine maintenance schedule. Defective parts will be replaced without charge as long as they are covered by the part manufacturer’s warranty. Failure of components or bodywork damage will not be covered if deterioration is through normal usage.

*Buy 12 months Motor Legal protection for just £5, after which it will revert to our standard price at that time. Our standard price is currently £29.60. This offer is only available to new customers, purchasing before 15th December 2021. We reserve the right to withdraw this offer at any time but will honour the price for quotes obtained before the date of withdrawal.