Your buildings and contents insurance combined. Protect your home from £500,000 and your contents from £75,000 of cover. Get better cover and an instant quote in 5 minutes.
The rivr standard
One policy, not multiple, to cover your home and all your possessions, with less ambiguity and no trip hazards.
Better cover than normal insurance at a fair premium that gives you confidence in the level of cover you receive.
Simplified process, enhanced with data, gives you a live online quote in 5 minutes.
The ultimate combination – this is total cover for both your physical home and contents.
One of the key rivr distinctions is that we provide all risks cover. Essentially, unless the policy wording explicitly says that something isn’t covered, or that it has a limit, then it’s covered. No second guessing or ambiguity for you.
Cover for damage to your home and all of it’s contents. Furniture and furnishings, clothes and handbags and much more.
All your valuables included on one policy.
Covered worldwide.
Your phone, laptop and all your electronic items, as well as your bike and golf clubs, covered as standard, worldwide.
All your home's contents. It is a long list but most things are covered as standard, and more than you expect.
All your personal possessions and valuables are protected worldwide if they’re lost or damaged.
We will pay for any damage caused accidentally.
Jewellery, watches, fine art and antiques worth up to £25,000 each covered as standard. Proof of ownership and value is required if you claim.
Jewellery, watches, fine art and antiques worth over £25,000 each are covered but need to be individually specified. Proof of ownership and value is required if you claim.
Automatic cover extends for 60 days for any new purchases up to an additional 25% of your contents sum insured, just let us know during that time and pay any extra premium.
If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live or cover your rent if you rent your home.
We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys.
If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.
If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.
We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.
We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.
We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.
We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.
We will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.
All your jewellery is covered worldwide under a single policy for theft, loss or damage.
Explore our jewellery cover
Cover extends to insure your watches along with your other valuables and contents.
Explore our watch cover
All bicycles are included with your general contents cover as standard with no single-item limits and no need to individually specify them.
Explore our bike cover
Read the policy wording to see full cover details, what else we cover, and to understand what is not covered.
We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.
Any additions, alterations or improvements are covered up to 25% of your buildings cover.
If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live.
If you are carrying out building works on your home, we will cover you up to £75,000, but let us know if it's going to cost more than this.
We will pay for damage due to forced entry during a medical emergency or to prevent damage to your home.
We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys with no excess applied.
We will pay up to £2,500 for costs you incur in taking reasonable temporary preventative measures to protect your home from damage caused by a storm or flooding.
We will cover the cost of locating a leak from fixed water tanks, apparatus and pipes.
We will pay up to £10,000 to restore your garden if it is damaged from certain events.
We will pay up to £1,000 for repairs that prevent further loss or damage after a flood or a leak.
We will cover damage to your home between the exchange of contracts and completion.
We will pay up to £2,500 to remove fallen trees blocking your main car access to your home.
We will pay for architect, surveyor, and engineer fees and site clearing and costs.
We will pay up to £50,000 for fatal injuries as a result of a fire or burglary at your home and up to £15,000 for any necessary building alterations as a result of your injuries.
If public authorities deny you access due to nearby damage, we will cover the costs of alternative accommodation costs for up to 30 days.
We offer up to £5,000 as a reward to anyone who helps catch and convict anyone who caused a claim under this insurance through illegal actions.
Read the policy wording to see full cover details, what else we cover, and to understand what is not covered.
Unlike many other insurers, we don't up-sell you add-ons, bolt-ons or so-called extensions. Here's some of what's also included in your policy, as standard.
Covers repair costs up to £1,500 in case of an emergency.
Covers your liability if something happens at your home.
Covers you against a wide range of legal costs associated with a wide range of disputes.
We’ve worked hard to keep this list as short as we can, but here is a summary of some of the things that are not covered under your policy.
Policy Wording
Insurance Product Information Document
There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.
There is no cover for loss or damage resulting from building works that cost more than £75,000.
There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.
There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.
There is no cover for any gradual damage and wear and tear, guarding against long-term deterioration or aging of property.
There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.
There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.
There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.
There is no cover for loss, damage or liability from computer viruses or data corruption.
There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.
There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.
There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.
Your excess as detailed in your policy schedule.
There is no cover for items improperly packed or secured during transport.
There is no cover for damage or liability from intentional or malicious use of guns is not covered.
There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.
There is no cover for undelivered goods or services purchased online.
There is no cover for loss of value to contents following repair, replacement, or reinstatement.
There is no cover for loss or damage due to warping or shrinkage.
There is no cover for loss or damage caused by subsidence, heave or landslip to the following:
Your excess as detailed in your policy schedule
There is no cover for wear and tear, or anything that happens gradually.
There is no cover for general maintenance and decoration costs.
There is no cover for costs to clear blocked sewer pipes, drains, pipes or underground tanks unless damaged from an insured event.
There is no cover for damage caused by storm, flood, frost, fallen trees, or snow to certain garden structures such as fences, pergolas and hedges unless your home is also damaged by the same insured event.
There is no cover for loss or damage caused by or resulting from warping or shrinkage.
There is no cover for subsidence, heave or landslip in certain specific scenarios. See the policy wording for further details.
Insurance can be complicated and hard to understand, these are some of our most common questions.
Need a bit more explanation? Then head to our FAQs page where you’ll find loads of answers to our most commonly asked questions.
FAQs
You answer a few questions about yourself, your home and what you are looking for.
Review your quote and any conditions of cover
Note: Some quotes need to be reviewed by our team, this will be done within a day. If we have additional questions, we’ll get in touch.
Accept your quote and pay. That’s it.
Manage your policy online
Review, add to, remove or change your cover online at any time.
Make a claim
Submit claims through your account and our specialised claims partner will handle your claim.