Our mum was a loyal customer for several years, and never made a claim. Sadly she passed away a few weeks ago and can no longer drive (obviously ). We called Rias , and despite this being a very difficult time for us, we were told we would have to pay a cancellation fee !! Seriously ?! No condolences or sensitivity , and a cancellation fee . We are not cancelling through choice , or to go elsewhere, but because mum will not need the policy , clearly. We will not be recommending this company, but will however pass on how greedy and unhelpful they are. Also before anyone considers the above reviews, search all the other reviews elsewhere because they are all 1 or 2 star .