Avoid! I had been with rias for 10 months, unfortunately I had to ask rias for some more time to pay the last installment and they were fine. I then ring up to arrange my renewal and pay the out standing balance. Turns out they had cancelled my insurance four says ago leaving me with 'I'd shop somewhere else...because we all have 200 odd pounds sitting around just in case. Utterly fuming. Really a truly avoid.