Rivr is built for the modern buyer
The modern buyer
The person who buys insurance today has changed significantly over the last decade, and continues to change and evolve. I am not just talking about how they want to purchase their insurance, but I am talking about how they live their lives and interact with the world around them.
The emerging wealth, being anything from working professionals in the City to entrepreneurs to artists, all have something in common even if their day-to-day professional lives are so different. That is, that they are all short of time.
When they are not working every minute of the day, they are at their beautiful homes looking after their young family or planning their next trip to reap the rewards of their hard work.
This modern lifestyle for this successful group of individuals and families, demands an insurance solution that is not only comprehensive in its coverage, has the appetite to insure higher value items and homes but is also easily accessible and tailored to their needs.
How is rivr different?
rivr is built and designed for the emerging wealth, it is the first of its kind to offer this level of all-risk home insurance cover completely online.
The cover itself has been carefully curated to offer the best level of cover, to give our customers that peace of mind that they are properly protected when they buy rivr home insurance.
We have designed it to be as simple as possible, not only have we presented the details so that you can clearly understand what you are buying in the first place so that there are no surprises, but our coverage is extremely broad so that the majority of things are covered as standard and any limits are generous.
It is designed specifically for higher-value homes and contents, and those with jewellery, watches and art. You can cover all of this together under one policy, and unlike other home insurance, you only need to individually specify items that are worth over £25k.
We know that you are busy, so we want you to buy your cover with rivr knowing that you have bought insurance cover that offers the protection that you need. So you can rest easy knowing that if something does go wrong, you are covered.
Take the next step
We invite you to have a look at our home insurance cover and see for yourself the extent of the coverage we offer, get a quote and experience the difference, and of course spread the word.
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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.
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.
