I've insured two cars as well as my house buildings and contents with RIAS for five years or more I believe. I've stuck with them in spite of the fact that at each renewal the premium requested is invariably a lot more than the previous year and we've never made a claim. I find it tedious to have to trawl comparison sites before phoning RIAS and threatening to go elsewhere before obtaining a reasonable renewal price as I prefer to stay loyal to the company in the probably mistaken idea that I will be fairly treated in the event of a claim. In addition RIAS only offer a 0345 telephone number for renewals costing me even more. However they quote free 0800 numbers for new business if you want one of their other insurance products. This year they requested 11% more for my wife's car. 59% more for our home insurance and 32% more for my car insurance which I have yet to challenge!