My elderly aunt (94) has been with RIAS for several years for house insurance. She showed me a renewal notice quoting £528, which I thought was wildly excessive. Comparison quotes offered similar cover for less than a fifth of the price. I immediately telephoned to cancel, and they said they cannot take action to close the policy as the systems are down. I suggested that they take the policy details and take appropriate action when their system was up and running. They declined insisting that I call back in an hour or two. So that’s another long wait on the phone, pressing various options and jumping through hoops. Dreadful company.