Innovative ‘MOT Protection’ Product Launched by RIAS

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- MOT cover available for first time in Over 50s Insurance market - Market-leading combination of cover and price

Many people fear the date of their next MOT from a financial perspective, but it doesn’t have to be that way.

RIAS has today launched its innovative MOT Protection product, the first of its kind to be offered by an insurance provider to the over 50s motor insurance market, giving cover for repair or replacement costs following a MOT failure.

Available as an additional cover option for current and new RIAS car insurance customers, MOT Protection insures motorists for up to £650 if their car fails its MOT and requires additional work or a new part in order to pass.

With the annual cost at just £39.96, or just £3.33 each month, MOT Protection provides great value against the average £260 claim cost. The RIAS MOT Protection product offers a market-leading combination of cover and price.

Janet Connor, Managing Director at RIAS, comments: “We are always striving to develop our products and services in line with what is important to our customers. We know that the cost of motoring is an important issue for today’s savvy over 50s, and our new MOT Protection offers not only peace of mind, but real value for money too.

“Many people fear the date of their next MOT from a financial perspective, but it doesn’t have to be that way. Our new cover means that our motor insurance customers shouldn’t have to worry about the financial burden of making their car safe and roadworthy. They can now simply add this additional cover option to their motor insurance policy in one easy step.”

The RIAS MOT Protection product offers the following features and benefits:

  • Cover for cars up to and including 10 years old, with less than 100,000 miles;
  • Once a customer’s car is covered, continuous cover is maintained for as long as required;
  • Reimbursement, up to a maximum limit of £650, of the cost for the repair or replacement of insured components when they are shown as failing to meet current MOT standards;
  • A wide range of insured components covered, including lights, brakes, steering and suspension, and     seats and seatbelts.

Janet Connor continues: “Our new MOT Protection offers our customers a unique benefit – once customers take out the cover, they remain continuously protected against any financial surprises when it comes to their annual MOT for as long as they need, regardless of their car’s age or mileage.”

MOT Protection is just the latest additional cover option in the successful ‘Add-on’ range provided by RIAS. Customers can tailor their motor insurance policies to their exact needs and requirements, and give themselves complete comprehensive cover and reassurance by choosing to add Legal Protection (£24), Excess Protection (£27) or MOT Protection (£39.96) to their policy. For less than £100 consumers will benefit from absolute peace of mind.

RIAS motor insurance customers can also enjoy the following:

  • A protected no-claims discount;
  • A 24-hour claims service;
  • A free courtesy car during repair;
  • Extra discounts for low annual mileage, overnight garaging and cars over four years old;
  • Up to £500 cover for lost or stolen keys; and
  • Cover to drive in Europe for up to 91 days.

For more information about MOT Protection, car insurance or the range of products RIAS offers, customers can contact RIAS on 0800 561 0712, or online at

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Lucy Pope
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