Insurance for those with more to protect

Simple high-value home and contents insurance to protect the home you’ve worked so hard to build.

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designed to give you confidence

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We have redesigned high value insurance. rivr is built for you. Making it simpler and easier to get good cover, tailored to you.

Regulated by the FCA | Underwritten by A Rated insurers

Tailored cover designed to give you confidence

Our cover has been designed to offer those with high value homes and contents the level of protection they require.

We offer greater flexibility and broader coverage to give you the peace of mind insurance should bring.

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One policy, not multiple

Cover everything under a single policy, with no need to buy top-up cover for valuables or bikes.
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Higher limits

Simplified cover with higher limits means less to individually specify.
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Bespoke cover

Tailor your cover to meet your unique needs.

Digital insurance with the human touch

Buy and manage your cover online, with the benefit of an advisor on hand to provide assistance and ensure that you are properly protected.

We believe that the best service is delivered through technology, whilst retaining the human touch.

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Get a quote in 5 minutes

A simplified process, enhanced with data to give you an instant quote.
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Fully digital

Buy and update your policy online, anytime.
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Dedicated advisors

Easily contact our team to get the clarity and information you need.

Transparent
and fair pricing

Value is important in insurance. It’s the relationship between price, service and cover.

rivr aims to deliver good value to our customers with a fair price but excellent service and cover.

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Fair premium

A premium that reflects the level of cover we offer.
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Transparent renewals

Clear explanations for any movements.
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No fees

No hidden admin fees charged ever, anywhere.

Specialist and dedicated claims team

We understand that this is the service you are paying for. We offer a caring and compassionate service provided by our specialist claims team.

Our team works with you to ensure that the claim is agreed and settled as quickly as possible.

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Dedicated handler

A single point of contact for the whole process.
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Specialist claims team

Our claims team specialise in high-value home claims, and are familiar with the nuances that this brings.
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Fast payout

Once the claim is agreed, we pay out fast.
Tailored

Tailored cover designed to give you confidence

Our cover has been designed to offer those with high value homes and contents the level of protection they require.

We offer greater flexibility and broader coverage to give you the peace of mind insurance should bring.

/1

One policy, not multiple

Cover everything under a single policy, with no need to buy top-up cover for valuables or bikes.
/2

Higher limits

Simplified cover with higher limits means less to individually specify.
/3

Bespoke cover

Tailor your cover to meet your unique needs.
Digital

Digital insurance with the human touch

Buy and manage your cover online, with the benefit of an advisor on hand to provide assistance and ensure that you are properly protected.

We believe that the best service is delivered through technology, whilst retaining the human touch.

/1

Get a quote in 5 minutes

A simplified process, enhanced with data to give you an instant quote.
/2

Fully digital

Buy and update your policy online, anytime.
/3

Dedicated advisors

Easily contact our team to get the clarity and information you need.
Transparent

Transparent
and fair pricing

Value is important in insurance. It’s the relationship between price, service and cover.

rivr aims to deliver good value to our customers with a fair price but excellent service and cover.

/1

Fair premium

A premium that reflects the level of cover we offer.
/2

Transparent renewals

Clear explanations for any movements.
/3

No fees

No hidden admin fees charged ever, anywhere.
Specialist

Specialist and dedicated claims team

We understand that this is the service you are paying for. We offer a caring and compassionate service provided by our specialist claims team.

Our team works with you to ensure that the claim is agreed and settled as quickly as possible.

/1

Dedicated handler

A single point of contact for the whole process.
/2

Specialist claims team

Our claims team specialise in high-value home claims, and are familiar with the nuances that this brings.
/3

Fast payout

Once the claim is agreed, we pay out fast.
support

Bespoke coverage through our dedicated advisors

Insurance can be complex, but we can guide you through 
it. Your dedicated rivr advisor is here to help you, whilst explaining our cover, answering questions, and ensuring 
you get the right coverage with confidence.

Two women chatting to each other in an office environment
get a quote

Secure your cover
in 3 simple steps

Our service really begins once you purchase cover. Manage your policy online - adjust your cover and manage claims. With a dedicated specialist claims team if the worst happens and your advisor is available anytime to support you.

01

Answer a few questions

Tell us about yourself, your home and what you are looking for.
02

Review your quote and conditions

Review your quote and any conditions of cover.
03

Accept your quote

Accept your quote and pay. That’s it.
complete flexibility

Easy 24/7 online access

You can manage your policy completely online.

Access your policy documents, update your cover and submit a claim anytime.

Sign in
4.3/5 rated on Trustpilot

What our clients are saying

View more reviews

Super quick and easy process. Filled in details online, got an instant quote, no back-and-forth. Best part - cheapest option with great cover, and Apple Pay payment.

Anna H
UK

Competitive contents insurance with an easy, straightforward process. Jewellery coverage was a great bonus. Simple to contact Rivr, would definitely recommend them for hassle-free home insurance.

Edward B
UK

I needed bespoke cover, and Rivr delivered with ease. The website was quick, no long calls, and Will’s advice even reduced my premium. Highly recommend.

Steve R
UK

Clear, good-value cover with fewer restrictions than others. Rivr’s website explains policies well, and Will’s support was excellent—quick to answer queries and provide reassurance before purchasing.

BH
UK

Great personal service from Will. The process was simple, straightforward, and hassle-free. No unnecessary complications, just efficient cover. I’d definitely recommend Rivr to others needing insurance.

CW
UK

Rivr provided a competitive, transparent quote after my insurer hiked prices. Will’s expertise made switching seamless. A smooth process from start to finish and would highly recommend their service.

John G
UK

Will made high-value home insurance easy. His expertise, clear advice, and tailored approach secured great cover at a lower price. Outstanding service, highly recommend speaking with him.

Paul
UK

Rivr was transparent, easy to use, and offered great customer communication. The quote was competitive, and the process was smooth from start to finish. Excellent experience.

Martin F-G
UK
our mission

Redefining high
value insurance

rivr is changing many of the reasons why the insurance buying process is slow, confusing and unreliable. Our aim is to give you confidence and peace of mind in your insurance, blending the power of technology with the understanding and empathy of people.

Our Mission

3 simple steps

Get an instant quote today

Get a quote

Frequently asked questions

Insurance can be complicated and hard to understand, these are some of our most common questions.

How do I know what my policy covers?

The policy covers a lot of things and it depends on whether you buy Home Insurance (Contents and Buildings cover combined), Contents Insurance or Buildings Insurance. To know exactly what you are covered for you need to read the policy wording in full. We do provide a summary of your cover on our product information pages for home, contents and buildings insurance. These pages only include a summary of the cover so does not include everything and all the details, such as specific exclusions or inner limits.

What is high-value contents insurance?

High-value contents insurance is designed for homes that require cover above the limits offered by standard home insurance, and offers a more comprehensive form of insurance. It offers tailored insurance cover that is designed for homes with a higher standard of finish and contains expensive personal belongings such as luxury or antique furniture, electronics, jewellery and art.

How much does high-value buildings & contents insurance cost?

The cost of high-value home insurance depends on a number of factors such as the amount of cover required, and other risk factors such as flood or theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium, you receive broader and more extensive cover with higher limits than is available with standard home insurance.

How much does high-value contents insurance cost?

The cost of high-value contents insurance depends on a number of factors such as the amount of cover required, and other risk factors such theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.

How do I know who underwrites your policies?

The policy is insured by two of the largest insurance companies in the world, which are both A-rated for their financial strength. The Buildings, Contents and Liability cover is insured by HDI Global Specialty SE. The Home Emergency and Family Legal Protection cover is insured by AmTrust Specialty.