RIAS Over 50s Home Contents & Buildings Insurance Review

RIAS Insurance specialise in providing insurance products to those aged over 50. So if you are under 50 you might want to leave now but for those over 50 it might be worth reading more to see if RIAS can save you money on your home contents insurance or buildings insurance. Because people who are over 50 tend to be more careful, and are therefore less likely to make insurance claims RIAS only offer home insurance to customers over 50 and as a lower risk customer you have every right to expect to pay less for your home contents or buildings insurance. RIAS are a part of Fortis (UK) Limited and have almost a million customers in the UK. The RIAS head office is based in Bournemouth. The RIAS standard home contents insuramce policy comes with a low £50 excess as well as Up to £50,000 to replace lost, stolen or damaged possessions (can be increased up to £100,000) New for old replacements on damaged or stolen items Accidental damage to audio and visual equipment, including televisions, computers and videos Up to £500 for damage to food in any refrigerator or deep freezer Alternative accommodation up to £10,000 Up to £2 million public liability cover £5,000 contents cover for outbuildings on a permanent foundation 24-hour legal advice helpline Identity Theft Assistance Service New for old replacements on damaged or stolen items (excluding clothing/linen over 3 years old) Should you require extras these can be added to your RIAS home insurance quore online. The standard RIAS over 50's buildings insurance comes with the same small excess of £50 and Rebuilding or repairs up to £1 million Accidental damage to the fabric of cables, underground pipes and drains and their inspection covers, serving your home and for which you are responsible Up to £2 million Public Liability cover £10,000 rebuild cover for any outbuildings on a permanent foundation Fixed glass, such as patio doors and windows, is covered against accidental damage Alternative accommodation – up to £100,000 for temporary accommodation if you have to move out of your property because of damage covered by the policy Accidental damage to bathroom fixtures and fittings 24-hour legal advice helpline Identity Theft Assistance Service Again as with the RIAS over 50's home contents insurance policy you can add a range of extras to the insurance policy should you wish too.