Introducing rivr
Rivr is the new way to buy high value home insurance, we offer a fully digital, simple and flexible approach to buying insurance for your home and your most prized possessions. We are protecting the home and life that you have worked so hard to build, so it should have the protection it deserves.
We found that customers don’t understand what they are covered for, and are aware that they are perhaps underinsured, but are just crossing their fingers and hoping that they are actually covered if something goes wrong.
We could not accept this, and set out to build a new insurance company that offers truly comprehensive, top tier insurance that has been curated to offer a level of cover that customers can feel confident that they have the insurance understand what they are covered.
It’s simple – It’s so easy to buy and we have presented the cover in a way that you can easily read and actually understand what you are covered for.
It’s flexible – You can change, amend and even cancel at any time with no fee.
It’s fully digital – Buy and manage it completely online, no need to pick up the phone for a long phone call.
There is nothing like it in the UK for this level of cover.
We offer buildings and contents cover, which also coverers all of your personal possessions and valuables as standard. The cover also comes with a lot more as standard that extends far beyond your home.
Rivr has been built with the founding principle of giving our customers peace of mind, and we hope that is exactly what our customers feel when they buy our cover.
We are just getting started and hope you will join us in building something different.
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Frequently asked questions
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.
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.
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.
Normally home insurance providers will not cover your home if any building works are being carried out. At rivr we still insure your home when building works are being carried out as long as the contract for the works is less than £75,000. If the works are costing more than this we can arrange separate specialist cover for renovations through our specialist insurance partner.
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.
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.
