The initial online quote was very simple and straightforward, followed up with a later phone call to make sure everything was as requested and to answer any questions. I had already decided to go ahead with Rias after obtaining several quotes online and contacting my previous insurer as the renewal premium had increased considerably. The completion of the application over the telephone was easy and my documents arrived as stated however the only thing that has not been done as requested online was a joint policy with my wife as the documents do not mention her name at all. An otherwise perfect transition from quote to application and finally the documents.