We have redesigned high value insurance. rivr is built for you. Making it simpler and easier to get good cover, tailored to you.
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.
One policy, not multiple
Higher limits
Bespoke cover
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.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
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.
Fair premium
Transparent renewals
No fees
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.
Dedicated handler
Specialist claims team
Fast payout
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.
One policy, not multiple
Higher limits
Bespoke cover
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.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
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.
Fair premium
Transparent renewals
No fees
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.
Dedicated handler
Specialist claims team
Fast payout
Our insurance
Get started online in minutes. No paperwork.
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.
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.
Answer a few questions
Review your quote and conditions
Accept your quote
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.
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.
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.
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.
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.
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.
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.
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.
Insurance can be complicated and hard to understand, these are some of our most common questions.
Frequently asked questions
All risks insurance provides a broader form of coverage compared to standard home insurance policies. It typically offers protection for both personal possessions and valuables at home and worldwide. It also covers accidental damage. All risks cover still has some exclusions such as wear and tear or mechanical breakdown. You would need to check the policy for specific exclusions and limits.
Generally, you need high-value buildings insurance if your home has a rebuild value over £1 million or it is built of non-standard materials or is Listed.
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.
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.
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.
Standard buildings insurance covers typical homes, while high-value buildings insurance is designed for properties with a higher rebuild cost or unique features. High-value insurance provides more extensive coverage for expensive materials, luxury finishes, and special architectural elements that may not be fully covered by a standard policy. It also often includes higher claim limits and additional protection options.
Our contents insurance covers is extensive and covers most of the items in your home, but some examples are:
Furniture and furnishings
Jewellery and watches
Art and antiques
Bicycles and sports equipment
Electronic items such as laptops, phones
TVs and sound systems.
All of these items are covered worldwide as standard.
Combined building and contents insurance covers both the structure of your home and your personal belongings inside it. This means that if your home is damaged by events like fire, floods, or storms, and your possessions are lost, damaged, or stolen, you can claim for both under the same policy.
High-value buildings insurance provides cover for the physical structure of your home. The cover extends to any outbuildings and most physical structures on your property. It is designed for homes that have a higher rebuild value, or that require specialist cover due it being constructed of a non-standard material or being listed.
Yes we can insure Grade 1 or A Listed, Grade 2 or B Listed or Grade 2* Listed buildings.
The general rule is that you need high-value home insurance if you meet any of the following criteria:
- The rebuild value of your home is over £1 million
- Your general contents are worth over £100,000
- You have valuable items that together are worth over £30,000
The general rule is that you need high-value contents insurance if you have:
General contents are worth over £100,000
or
Valuable items that together are worth over £30,000
The cost of high-value buildings insurance depends on several factors, including the rebuild cost of your home, its location, any unique features, and the level of coverage you need. 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.
Yes we do insure most buildings that are made of non-standard materials like timber or wattle and daub, but these are evaluated on a case by case basis.
Yes. Your jewellery insurance policy covers your jewellery collection, including rings, necklaces, earrings, bracelets, and watches. This means you can protect your entire jewellery collection without the need for separate, standalone policies.
