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Rias car insurance customer reviews

Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

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Which? experts scrutinised 31 car insurers’ standard car insurance policies, and we surveyed thousands of policyholders. We've rated each policy on its key aspects to produce a Which? policy score, and our customer score is based on how the insurers were rated by their customers.

We reviewed some of the biggest insurers in the market including: Axa, Direct Line, Aviva, Saga, Admiral, Esure, the AA, Tesco Bank and More Than.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers in our customer survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews.

Best and worst car insurance
Provider Customer service Handling queries and complaints Transparency of charges Value for money Customer score Policy score Total
Best car insurance uk 2016 Car insurance calculator nj unemployment Car insurance quotes online alabama boating Future generali car insurance cashless How to save money on car insurance 77% 85% 81%

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- - - - 74% 78% 76%
Swift cover car insurance telephone number Metlife car insurance customer reviews Car insurance claim affidavit sample Direct line car insurance Lumley car insurance contact 72% 80% 76%
Cheap two day car insurance - - - Klausula car insurance 69% 83% 76%
Go skippy car insurance payment A plan car insurance eastleigh college Aa rental car insurance Apex insurance bloomer wi car Low insurance group cars for young drivers 2011 camaro 75% 75% 75%

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Top 10 car insurance policy in india Rac car insurance uk Car insurance quotes daytona beach fl United india car insurance premium 70% 73% 72%

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Auto insurance car model comparison E insurance car insurance company Money supermarket car insurance cashback bonus Youtube roary the racing car italiano insurance 67% 77% 72%

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Car insurance for 50 years and over Insurance cars for sale in kenya Payg car insurance Car traders insurance uk car 72% 69% 70%

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Sunbeamsjess car insurance John lewis car insurance review Estate car insurance Voluntary excess in car insurance 64% 74% 69%
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Elephant car insurance temporary driver Car insurance details online I own 2 cars insurance Yellow color for increased car insurance Daily car insurance for 19 year old 66% 72% 69%
Classic cars with cheapest insurance Visa or amex car rental insurance Car insurance instant faq games Car insurance australia aami Farmers union car insurance newtownards spectator 66% 69% 68%
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Car pak insurance company State minimum car insurance indiana Miway car insurance midrand graduate Shannon car insurance Quick quote car insurance australia 63% 70% 66%
Gocompare car insurance ireland Cheap car insurance florida state Minimum car insurance in virginia Trade car insurance under 25 Progressive car insurance in quincy florida 61% 71% 66%
Insurance auction cars for sale uk vehicle Can a totaled car be insured apeldoorn - Car free insurance online quote Tesco bank car insurance policy documents 61% 71% 66%
Worcester sauce sainsbury's car insurance Shock absorber car explained insurance - Vax steam detergent sainsbury's car insurance Car insurance database bangalore time 66% 67% 66%
Admiral car insurance telephone numbers Exmr car insurance Best cars to insure for young drivers 2016 Driverless car insurance uk law 17 year old car insurance ireland 63% 69% 66%
Bupa car insurance uk only Affordable car insurance for seniors Third party car insurance nz backpacker Car insurance full replacement value Allianz rental car insurance uk companies 67% 65% 66%
Nysut car insurance discounts - - - Collision insurance for rental car worth it 66% 65% 65%
Latte glasses sainsbury's car insurance Lauxes car insurance Argos car insurance Dine in for 10 sainsbury's car insurance Aaa auto insurance canton michigan 61% 70% 65%
Can a financed car be insured by someone else Lvm car insurance germany Nfu mutual car insurance skipton Car insurance group 206 cc occasion Car and mobile home insurance bundles 65% 64% 65%
Car insurance search site - - - Top car insurance companies in florida 63% 65% 64%
Munster group car insurance kilrush petroleum Over 70 car insurance uk quotes - The general car insurance penguin Top rated car insurance 70% 55% 63%
Car insurance types progressive Cooperative car insurance uk go compare Car insurance articles 2011 ford 30 day car insurance for young drivers Rental car insurance vancouver bc 63% 64% 63%
Rental car insurance netherlands Car insurance companies in norfolk virginia Compare the meerkat car insurance uk tesco Indianapolis car insurance companies Low tax insurance group cars 69% 55% 62%
Sisteron gap car insurance Car insurance in niles mi Car insurance 2013 dodge charger Lloyds bank car insurance landline number Allstate car insurance pay online 63% 56% 60%
Green car insurance breakdown number - - - Car insurance company list in malaysia ringgit 60% 57% 59%
Lehmber gani car insurance Amfibia car insurance - - Godello sainsbury's car insurance 58% 58% 58%
Average - - - - 66% 69% 68%

Table notes:
Customer score data based on a survey of 4,312 policyholders in December 2016. Policy scores are based on the provider's standard policy. All policies are available to the general public.
Customer score is calculated using a combination of overall satisfaction and how likelihood to recommend the provider to a friend. '-' represents where we have insufficient sample size (less than 30) to generate a star rating. Insurers must have a minimum sample size of 30 for inclusion in the table.

How we calculate customer and policy scores

We calculated the customer scores and claims satisfaction scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy including personal belongings limit, renewal fees and interest charged on payment by instalments.

The total score combines both the customer score and policy score.


Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

How much does car insurance cost for a 17 year old female

We scrutinised the standard contents insurance and buildings insurance policies of 31 providers and combined our analysis with feedback from thousands of customers.

Each policy is rated on the key aspects of its cover to produce a Which? policy score, while our customer score is based on how the insurers were rated by customers.

We reviewed some of the biggest insurers in the market including: AA, Aviva, Axa, Churchill, Direct Line, Halifax, John Lewis, Legal & General, LV and More Than.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers in our customer survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

Click on the WRPs in the table below to see full details of its customer score and policy elements. Table updated every six months. Next updated in June 2017. 

How we calculate customer and policy scores

We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy including personal belongings limit, renewal fees and interest charged on payment by installments.

The total score combines both the customer score and policy score.

Best and worst home insurance
Provider Customer service Handling queries and complaints Value for money Customer score Buildings score Contents score Total

Rsa motability car insurance uk companies

Belair car insurance phone number - Iselect car insurance 75% 75% 73% 75%

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Esurance car insurance commercial Gap insurance worth it for new car Quote devil car insurance review 70% 79% 73% 73%

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Car insurance l plates where to buy Business use car insurance uk law Non car owner insurance with geico home 72% 74% 72% 73%
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3 car multi car insurance Car insurance ratings florida Typhoon tea bags sainsbury's car insurance 67% 77% 83% 73%

Cheap car insurance amarillo

Cheap car insurance for new lady drivers - Insurance group 2 cars 74% 71% 74% 73%
Temporary car insurance under 21 full licence practice Bike insurance paper car Argo car insurance Privilege car insurance automatic renewal 68% 79% 75% 73%
Lapse in car insurance schemes Car insurance accident database - Car insurance owl logo restaurant 74% 72% 67% 72%

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Youi car insurance customer reviews About how much is car insurance for a 19 year old Whole life insurance rates allstate car 73% 71% 71% 72%

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Cheap car warranty insurance Car insurance quotes comparison uae Geico car insurance quote atlanta 68% 76% 74% 72%
Asda online car insurance number Classic car collectors insurance blog - Hsbc temporary car insurance 64% 78% 77% 71%
Fire theft car insurance only Berkshire car insurance review india Lapse in car insurance payout Car insurance check by phone 66% 78% 71% 70%
Cheap car insurance brokers online Car insurance scam fail Cheap car insurance in phx az Ge finance car insurance 59% 83% 79% 70%
Konstantinopolj car insurance How to choose your car insurance coverage - Gruffalo soft toy sainsbury's car insurance 73% 68% 66% 70%
Swinton car insurance cancellation charges for confirmed Car insurance cover note definition American express car hire excess insurance A&a group car insurance contact 60% 76% 78% 69%
Churchill car insurance 0800 horoscope Direct line car insurance cashback monitor Tesco bank car insurance fully completely lyrics Apipemar car insurance 68% 70% 70% 69%
Collector car insurance companies list Temporary car insurance for young drivers 17 Ageas car insurance uk Doggles car insurance 66% 71% 71% 69%
Car insurance payment help Income protection insurance uk aviva car Biggest ever car insurance claim Telephone direct line car insurance 66% 76% 69% 69%
Payless car rental car insurance A plan car insurance kidderminster harriers Car insurance black box no curfew Amica car insurance reviews in texas 71% 66% 68% 69%
Meerkat car insurance comparison How to stop automatic car insurance renewal Cheap car insurance florida state Business car insurance nj dwi 66% 72% 70% 68%
Car insurance cancelled what now Lowest car insurance groups uk Inexpensive full coverage car insurance Aaa insurance car quote 63% 76% 69% 68%
Buying a car in australia insurance Bupa car insurance uk california Nrma car insurance cooling off period Estimated quote car insurance 66% 70% 70% 68%
Car insurance commercial mayhem Top 5 cheapest cars to insure 2013 nba - Buy third party car insurance online malaysia 67% 68% 70% 68%
What type of car insurance is best for me Witches costume sainsbury's car insurance Car insurance minimum payment Online car insurance comparison ireland 65% 71% 66% 67%
Salvage title cars insurance company Pay my progressive car insurance bill Can i self insure my car in the uk passport Dodge dart car insurance 65% 69% 69% 67%
David e matthews car insurance - - Auto car insur 61% 72% 73% 66%
Cheap car insurance maine Td visa cards with car rental insurance Admiral car insurance customer services contact Rental car insurance rates alamo 62% 72% 68% 66%
New car gap insurance cost American express car rental insurance hotwire Swinton car insurance doncaster Car insurance increase after at fault accident 65% 64% 60% 64%
Top car insurance companies nj Yellow color for increased car insurance Kingston ny 12401 car insurance Car insurance quotes geico 61% 62% 67% 63%
Jack daniels on offer at sainsbury's car insurance Car insurance for international students in usa - Car lease with insurance and maintenance 57% 70% 68% 63%
Car insurance for young drivers examples of adjectives - - Koyas car insurance 53% 59% 64% 57%
Average - - - 65% 71% 69% 68%

How we calculate the scores

Customer scores

The customer score is based on a survey of 4,747 general public respondents and are worked using a combination overall satisfaction and likelihood of recommending the provider to a friend. If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included. 

Policy scores

The policy score is our assessment of the quality of standard cover comparing 35 elements of a buildings insurance policy and 49 elements of a contents insurance policy. Providers must receive a minimum sample size of 30 respondents to be included. 

Total score

Total score is made up of 50% of the customer score and 25% each of buildings and contents policy scores.


Our top 10 is based on the quality of cover and independent reviews that take into account factors such as customer satisfaction and complaints handling.

The best home insurance companies

  • John Lewis Finance – Premier
  • Saga - Essential, Tailormade and Premier
  • M&S Bank – Standard and Premier
  • John Lewis Finance – Plus
  • Age UK - Home Insurance
  • Barclays - Home Insurance
  • LV= - Home Insurance
  • Nationwide – Home Insurance
  • Tesco Bank - Home Insurance
  • RIAS - Home Insurance

We have negotiated exclusive deals with a number of quality home insurers, find out more here.

Hiscox and the best of the rest

In a recent update to our list of the best home insurers, Hiscox and a handful of other well-known companies such as Aviva, Churchill and More Than dropped out of the top 10.

Hiscox specialises in high-value properties and contents, and it has not been included in our new list because it did not receive a score in Which's latest ranking of home insurers. Which uses customer surveys and if there are not enough responses for a company they cannot be given a score.

Hiscox has been awarded high scores from other review services, it provides a high level of cover and has received awards for its customer service.

Aviva, Churchill and More Than also offer comprehensive policies and only missed out on a place in our top 10 by a few points.

Read on to learn about:

  • The best home insurance companies
  • Our home insurance offers
  • How we came up with our top 10 home insurance
  • What makes a good home insurance policy?
  • What does house insurance cost?
  • The best contents insurance
  • Pros and cons of home insurance comparison sites
  • How to get the right level of home insurance cover
  • Specialist home insurance companies
  • Best home insurance for flood risk areas
  • Home insurance reviews

Our home insurance offers

Bought By Many is making insurance fairer by using the group buying power of our members to negotiate exclusive deals with insurers.

We have a range of home insurance offers with providers that have been rated five stars by independent financial reviews. Our members can get up to 50% off a policy with Together Mutual or a guarantee to beat an existing quote, both offers come with a £20 M&S voucher.

Anyone over 50 can get a £60 voucher with our home and contents group for over 50s.

There is an exclusive cashback deal with HomeProtect for people in flood-risk areas and those with specialist home policies.

We also have a deal on home insurance for cyclists. Find out more about all our home insurance offers here.

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How we came up with our top 10 home insurance

We used independent research into the quality of the cover and customer service home insurance providers offer. To compare the price of their policies you can go directly to their sites or use a comparison site such as Go Compare.

First, we used an impartial financial services rating service that looks at the level of cover provided by insurers. All of the policies in our list have five out of five stars (except John Lewis Finance Plus, which has four stars), which means they offer “an excellent product with a comprehensive range of features and benefits”.

Then we consulted the in-depth reviews written by Which?.

Finally, we looked at the percentage scores awarded by Fairer Finance and any awards the company has won. Fairer Finance rates companies for customer happiness, complaints handling, trust and transparency.

Our top 10 reflects the best-performing companies from each of those sources. It does not include specialist home insurance policies, but there’s information on specialist cover further down this piece.

What makes a good Home Insurance policy?

There are three main types of home insurance – buildings, contents, and buildings and contents combined.

If you live in a rented house or flat you don’t need to worry about buildings insurance, it is your landlord’s job to sort that out (you might want to make sure they have!). Contents insurance, however, is your responsibility. Owner occupiers are likely to need both buildings and contents insurance. Click on the link to jump to the section on making sure you’re getting the right level of cover.

You can judge a policy by the amount it pays out for the core features of buildings and contents cover, how quickly companies pay out, how easy the claims process is and how much cover you’re getting for things like valuables, accidental damage or bike cover.

The best home insurance policies also include alternative accommodation for you and the inhabitants of your home if it needs to be rebuilt. But it can vary widely from company to company – here’s how the top policy performs:

John Lewis Finance Premier - Unlimited alternative accommodation

John Lewis Finance includes pets in its alternative accommodation cover.

With contents insurance, it’s easy to set the level of cover to the value of your possessions, but it’s important to know how the contents of your home is defined and what part of the policy covers it.

Some companies limit the value of any single item you insure (for example, items worth over £2,000 might need to be declared separately). These items are classed as valuables and there can be separate limits for individual items and the total amount of valuables you own.

Here are the contents limits for the top company:

John Lewis Finance Premier - Contents: unlimited; valuables: £40,000

Hiscox and John Lewis Finance’s Premier policy offer cover for personal possessions, which includes items such as mobile phones and jewellery, away from your home. Other policies, such as M&S’s, offer it as an optional extra.

Bikes are often treated as separate entities in relation to home insurance. In fact, we have looked at the best home insurance for pedal bikes separately because there can be a lot to consider if protecting your bike is a priority.

Comprehensive policies will also provide some level of accidental damage cover for anything you might break or damage in your home. Cover levels vary but the best policies have no limit on claims.

They may also include home emergency policies, where they will send someone out to fix urgent problems such as a leak or broken boiler. This is a valuable part of home insurance and it's worth considering, even if it's an optional extra. Find out how to get one of the best home emergency policies for free.

Other than policy features, some companies aim to attract customers with special offers such as cashback, vouchers and discounts. While it’s not a good idea to choose a policy based on this alone if you’re torn between two insurers with similar, quality products it can help tip the scales.

It is important to know exactly what is covered by your policy and to choose the most suitable cover for your home. That might not be the most expensive cover but it doesn’t mean you should go straight for the cheapest.

What does house insurance cost?

  • The average house insurance premium paid by UK customers for combined buildings & contents insurance is £306 per year. However, in the final quarter of 2016, the average was £298, suggesting the cost may be falling. (source: ABI)
  • For buildings insurance only, the average cost is £266 per year
  • Contents insurance only costs £139 per year on average
  • But you might pay more or less than that depending on a number of factors that influence the cost such as the size of your home and where you live

For more information check out our longer guide to the cost of home insurance.

The best contents insurance

We looked at the providers in our top 10 home insurance list to see which companies offer the best individual contents policies. Find out which came top in our guide to the best contents insurance.

Pros and cons of home insurance comparison sites

With the rise in popularity of comparison sites, many people simply look for the cheapest price when choosing a home insurance company, believing it to be the best deal. However, that is often not the case.

Comparison sites, such as Confused.com and Go Compare have their advantages – they make home insurance reviews much more accessible and transparent and they encourage competition between insurance companies, which in turn pushes premiums down.

However, this competition has led to some insurance companies creating cheap policies that place them at the top of the comparison sites' price-based lists, but don’t offer sufficient cover for many customers’ needs.

What's more, some of the best-known insurance companies, such as Aviva Home Insurance and Direct Line Home Insurance, are not on comparison sites as a matter of principle.

How to get the right level of home insurance cover

With buildings insurance, you need to insure your house for the amount it will cost to rebuild, which is likely to be different to its market value. It can be less than you expect because the market value of the property is often much higher than the cost of the construction.

You can use the free calculator provided by the independent Building Cost Information Service (BCIS) to work out the rough rebuild cost of your home.

For contents insurance, it is important not to under-insure; that is to buy a policy that’s cover is lower than the value of your possessions. Many people simply under-estimate the value of everything they’ve built up over the years while others forget that some items, like inherited jewellery or collections, can increase in value.

To be safe, go through your house room by room, round everything up and don’t forget about smaller items, such as clothes and toiletries. They may not be worth much individually but if the worst happens and you have to replace everything in your house, you will be surprised how quickly it adds up.

It is possible to get separate, dedicated policies for high-risk, high-value items such as gadgets, watches and engagement rings. So it is worth comparing the cost, particularly since your home insurance no claims bonus would be unaffected if you claim on a different policy for a high-value item.

Empty homes – even if only temporarily empty – may not be covered by standard home insurance policies. Typically, if your home is left unoccupied for more than 30 days it may invalidate your policy. You can get a separate policy for unoccupied properties or holiday homes, but either way, be sure to tell your insurance company if no one will be living in your house for more than 30 days.

Specialist home insurance companies

We excluded a number of companies because their cover is restricted to or targeted at specific sections of the population. For example, NFU Mutual caters almost exclusively to homes in rural areas.

We have negotiated an exclusive cashback deal with specialist provider HomeProtect for people in flood-risk areas and those with specialist home policies.

Find out more about home insurance in flood areas and how Flood Re is helping, and what to do if you're refused a home quote because of your home or personal circumstances.

Another specialist insurance company we looked at but did not include in the list of the best home insurance companies is Sterling Insurance, which is now known as Covea.

Covea offers exceptionally high levels of cover for expensive and non-standard home contents, such as cycling gear, horse-riding tack, golf clubs and equipment, collections, and jewellery.

Like Age UK and Saga, Sterling also provides home insurance policies for the over 50s, as well as covering homes of 'non-standard' construction and listed buildings.

Best home insurance for flood risk areas

The government's Flood Re scheme has encouraged companies to offer more competitive premiums for homes in flood-risk locations.

See our article on Flood Re for a guide to the best providers for flood-risk homes.

Home insurance reviews

Learn more about the best home insurance companies and find out what their customers think by reading our expert reviews.

  • John Lewis Finance Home Insurance Review
  • Hiscox Home Insurance Review
  • M&S Home Insurance Review
  • More Than Home Insurance Review
  • Aviva Home Insurance Review
  • Churchill Home Insurance Review
  • Tesco Home Insurance Review
  • Saga Home Insurance Review
  • Home Protect Insurance Review
  • Policy Expert Home Insurance Review
  • Direct Line Home Insurance Review
  • Endsleigh Home Insurance Review
  • Allianz Home Insurance Review
  • Debenhams Home Insurance Review
  • Age UK Home Insurance Review
  • The AA Home Insurance Review
  • AXA Home Insurance Review
  • Post Office Home Insurance Review
  • Swiftcover Home Insurance Review
  • Intelligent Insurance Review
  • Halifax Home Insurance Review
  • Hastings Direct Home Insurance Review
  • Co-op Home Insurance Review
  • Esure Home Insurance Review
  • IGO4 Home Insurance Review
  • Legal & General Home Insurance Review
  • Covea Home Insurance Review
  • Privilege Home Insurance Review
  • Prudential Home Insurance Review
  • Sainsbury's Bank Home Insurance Review
  • Nationwide Home Insurance Review

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.


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