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.
Frequently asked questions
Insurance can be complicated and hard to understand, these are some of our most common questions.
All Risks cover provides broader protection than a standard home insurance policy. It typically covers your personal possessions and valuables both at home and worldwide, including accidental damage.
Some exclusions still apply, such as wear and tear or mechanical breakdown, so it’s important to review your policy wording for full details and limits.
You may need high-value buildings insurance if your home has a rebuild value over £1 million, is constructed from non-standard materials, or is a Listed property.
These homes often require specialist cover to reflect their higher rebuild costs and their unique features.
The cost of high-value home insurance depends on a number of factors such as the level of cover you choose and specific risks associated with your property, like flood or theft.
Premiums are generally higher than standard insurance due to the increased value insured, but they provide broader protection, higher limits, and more comprehensive cover than standard policies.
The cost of high-value contents insurance depends on several factors such as the total value of your possessions, the level of cover you choose, and specific risks like theft.
Premiums are typically higher than standard insurance due to the increased value, but they provide broader protection and higher limits to ensure your possessions are fully covered.
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 is designed for typical homes, while high-value buildings insurance is tailored for properties with a higher rebuild cost, specialist materials, or unique architectural features. It provides broader protection, has higher limits, and more extensive coverage for luxury finishes and bespoke elements that standard policies may not fully insure.
Rivr’s high-value contents insurance covers most household items, including:
- Furniture and furnishings
- Jewellery and watches
- Fine art and antiques
- Bicycles and sports equipment
- Tech such as laptops, phones, TVs, and sound systems
All are covered worldwide as standard.
Combined buildings and contents insurance protects both the structure of your home and the possessions inside it under a single policy. It means you’re covered if your home is damaged by events such as fire, flood, or storm, and if your belongings are lost, damaged, or stolen, all under one single policy.
High-value buildings insurance covers the physical structure of your home, including outbuildings and most other permanent features on your property. It’s designed for homes with a higher rebuild value, or those that need specialist cover due to non-standard construction or listed status.
Yes. We can provide cover for Grade 1 or A, Grade 2 or B, and Grade 2* listed buildings. Each property is assessed individually and evaluated on a case by case basis.
You may need high-value home insurance if your property or possessions exceed standard cover limits. Generally, this usually applies if:
- The rebuild value of your home is over £1 million.
- Your general contents are worth more than £100,000.
- Your valuables (such as jewellery, watches, or art) total more than £30,000.
High-value home insurance is designed to provide broader protection and flexible limits for clients with higher rebuild costs and collections of valuable items.
You may need high-value contents insurance if the total value of your possessions goes beyond standard policy limits. The general rule for this usually applies if:
- Your contents are worth over £100,000
- Your valuables (such as jewellery, watches, or art) together exceed £30,000.
The cost of high-value buildings insurance depends on several factors such as your home’s rebuild value, location, unique features, and the level of cover you choose. Premiums are generally higher than standard insurance due to the increased value and risk, but they provide broader protection and higher limits than standard policies.
Yes. We can provide cover for most homes built from non-standard materials, such as timber or wattle and daub, but these are evaluated on a case by case basis.
Yes. You can insure your entire jewellery collection under one policy. This includes rings, necklaces, earrings, bracelets, watches, and other valuable pieces. This means you can protect your entire collection without the need for separate, standalone policies.
