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
"I like the way this company does its business. You can talk to a human and do all they can to get you a result in an uncomplicated way. They are warm, friendly and cannot do enough for you."
"I spoke with Will in 2024, and was impressed by his vision. We moved to rivr and have been impressed by the level of personal service and competitive pricing."
"A fantastic personal service from Sasha, she is a pleasure to deal with. The policy is clear, straightforward and competitively priced. I would highly recommend seeking your insurance through rivr."
"Superb service - quick, clear and they couldn't have done more (thanks, Sasha!) Would highly recommend."
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.
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.
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.
"Rivr came in with a competitive quote but more than that the whole experience with Rivr was easy and very transparent. Needless to say that I’m very happy to move my business and highly recommend them."
Frequently asked questions
Insurance can be complicated and hard to understand, these are some of our most common questions.
Rivr is an insurance broker that provides a simple, digital solution for people to buy home insurance that is designed for higher value homes and their contents.
We are focused on providing the best level of service, whilst ensuring that you have the correct level of cover, and get it quickly.
Simply put, rivr is the only UK broker where you can buy and manage high-value home insurance entirely online. We combine top-tier cover, designed specifically for higher-value homes, with a fast, seamless digital experience, without the need for long phone calls or paperwork.
Unlike standard online insurers, we evaluate every submission to ensure your policy truly fits your needs. It’s the perfect blend of technology and tailored service.
Yes. Rivr is authorised by the Financial Conduct Authority (FCA) under registration number 1000665.
Rivr is an Appointed Representative of Innovative Risk Labs, which is fully authorised and regulated by the FCA.
You can verify our authorisation by visiting the FCA Register.
Your policy is underwritten by two highly rated insurers:
Buildings, Contents, and Liability cover
HDI Global Specialty SE (German insurer, A+ credit rating)
Authorised and regulated by BaFin (Germany), and by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA) in the UK (FRN: 659331)
Legal Expenses and Home Emergency cover
AmTrust Specialty Limited (US insurer, A- credit rating)
Authorised and regulated by the PRA and FCA in the UK (FRN: 202189)
Registered Office: Exchequer Court, 33 St Mary Axe, London EC3A 8AA
Both insurers are financially strong and fully regulated, providing you with reliable and secure coverage.
You can contact us in the way that suits you best:
Email: hello@rivrcover.com
Chat: Send us a message through our online chat
Call: Schedule a call with a member of our team here
We’re always happy to help.
You can usually get a quote in around 5 minutes using our online form. For most clients, you can get a quote, review your cover, and pay online, all within minutes.
In some cases, we may provide an indicative quote, which simply means your application needs a little more attention from our team.
We aim to be in touch within one working day, and most clients are fully insured within 3 days if we have some follow-up questions (slightly longer if submitted over a weekend or bank holiday).
Our online quotation process is super intuitive and fast, but if you prefer you can schedule a call to discuss your needs, and we can get a quote for you. You can schedule a call with a member of our team by emailing hello@rivrcover.com.
In short, no. we don’t charge any admin, cancellation, or mid-term adjustment fees.
Unlike many other brokers, we believe in transparent pricing. What you see is what you pay.
You can choose to pay your premium annually or monthly.
Annual payments: Pay securely online using any major debit or credit card.
Monthly payments: Spread the cost of your premium over 10 monthly instalments through our finance partner, Bexhill. This option carries an interest rate of 7%, equivalent to an APR of 16.07%.
Currently, monthly payments need to be set up over the phone, as we’re required to read a short regulatory script. We’re working to make this fully online soon.
A quote is valid for 30 days from the date it is issued.
