AA vs RIAS
Compare car insurance features, coverage, and pricing between AA and RIASto find the best protection for your vehicle.
Company Information Comparison
| Feature | AA | RIAS |
|---|---|---|
| Established | 1905 | 1988 |
| Underwriter | AA Underwriting Insurance Company Limited | U K Insurance Limited |
| Market Position | Premium | Mid-range |
| Customer Service Hours | Mon–Fri: 8am–8pm, Sat: 9am–5pm, Sun: 10am–4pm | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 4.2 | 3.8 |
| Financial Strength | A+ | A– |
| Mobile App Rating | 4.3 | 3.7 |
Policy Features Comparison
| Feature | AA | RIAS |
|---|---|---|
No Claims Discount Years protected | Up to 5 years | Up to 3 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 2 years | Up to 1 year |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£285.00
AA
£200.00
RIAS
Maximum Cover
£5,000,000
AA
£5,000,000
RIAS
Total Policies
3
AA
3
RIAS
Comprehensive Cover
Full Coverage
AA
Full Coverage
RIAS
Premium Analysis
Features Comparison
Policy Type Distribution
AA
Comprehensive
1
Third Party Fire & Theft
1
RIAS
Comprehensive
1
Third Party Fire & Theft
1
Making Your Decision
When comparing AA and RIAS, consider how each provider's strengths align with your specific vehicle and driving needs. AA's average premium of £383.33compared to RIAS's £286.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.