This firm is carrying out serious illegal practices. I bought 1 year's insurance in 2016 and paid a one off fee as I don't want to pay in installments. When it got to May 2017 I went on line to Compare the Market and found a much cheaper policy with another company with exactly the same cover as RIAS provided. It is obvious that anyone would go for the cheaper option so I bought a year's cover with the new company. On 8 August 2017 I came home from work to find a threatening letter in my letter box demanding also £50. If I didn't pay the demand within 7 days RIAS would send a debt collector to my property. I am a pensioner but I also work for Citizens Advice full time at present. I phoned RIAS this morning on 0800 068 1641 (a free number). I spoke to a team manager there and told her that I thought the whole thing was a scam and as I worked for Cit.A. would raise this matter with higher authorities including the Ombudsman. I told the young lady that in all the time I have been buying home insurance and car insurance I have never ever come across a company who charges them a fee for cancelling their insurance with them. RIAS Insurance needs to be very very careful what they are doing to their customers. I advise anyone that has had a bad experience with this company to get in touch with Cit.A and do not pay money up front until you have received full advice on the matter. What RIAS is doing is outside the law and should be stopped.