We’ve redesigned insurance, so that it works for you
Insurance is traditionally complicated, opaque and time-consuming. We have redesigned it so that it works for you. Whether it’s your home, jewellery or artwork, you can have the peace of mind that it’s covered under a single policy.
Regulated by the FCA | Underwritten by A Rated insurers
Truly comprehensive, all risk cover. Insure with confidence.
Enhanced protection
All risk protection for all of your contents and belongings.
Worldwide, all risk cover
All your valuables covered worldwide on one policy.
Fast and personal
The speed of digital, with the benefit of dedicated advisors.
What’s covered?
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Your homes contents
All your home's contents. It is a long list but most things are covered as standard.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Accidental damage
We will pay for any damage caused accidentally.
New purchases
Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.
Bike and sports equipment
Worldwide cover for all bicycles and any sports equipment as standard.
Your homes contents
All your home's contents. It is a long list but most things are covered as standard.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Accidental damage
We will pay for any damage caused accidentally.
New purchases
Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.
Bike and sports equipment
Worldwide cover for all bicycles and any sports equipment as standard.
Alternative accommodation
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.
Fine art and antiques market appreciation
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.
Death of an artist
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.
Replacement locks
We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys.
Office equipment
We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.
Outdoor items
We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.
Small vehicles
We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.
Boats and watercraft
We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.
Storage
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.
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
What’s not covered?
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Your excess
Your excess as detailed in your policy schedule.
Wear and tear
There is no cover for wear and tear, or anything that happens gradually.
Building works over £75,000
There is no cover for loss or damage resulting from building works that cost more than £75,000.
Existing and deliberate damage
There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.
Loss of value and indirect losses
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.
Defective design, breakdowns and faults
There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.
Your excess
Your excess as detailed in your policy schedule.
Wear and tear
There is no cover for wear and tear, or anything that happens gradually.
Building works over £75,000
There is no cover for loss or damage resulting from building works that cost more than £75,000.
Existing and deliberate damage
There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.
Loss of value and indirect losses
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.
Defective design, breakdowns and faults
There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.
Let properties and business use
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.
Confiscation
There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.
Unoccupied homes
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.
Warping or shrinkage
There is no cover for loss or damage due to warping or shrinkage.
Theft from unlocked and unattended vehicles
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.
Lost deliveries
There is no cover for undelivered goods or services purchased online.
Loss of value from repairs
There is no cover for loss of value to contents following repair, replacement, or reinstatement.
Blocked drains and pipes
There is no cover for costs to clear blocked sewer pipes, drains, pipes or underground tanks unless damaged from an insured event.
Damage to items during transportation
There is no cover for items improperly packed or secured during transport.
Pollution and contamination
There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.
Nuclear and radioactive hazards
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.
Damage or liability from malicious gun use
There is no cover for damage or liability from intentional or malicious use of guns is not covered.
War and terrorism
There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Additional cover, as standard
We provide this further cover as standard on all of our policies.
Home emergency cover
Covers immediate emergency repair costs up to £2,500.
Family legal protection
Covers you against a range of legals costs up to £100,000.
Your liabilities
Covers property, personal and employers liability up to £10 million.
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. Dedicated specialist claims team if the worst happens.Your advisor is available anytime to support you.
Answer a few questions
Review your quote and conditions
Accept your quote
Frequently asked questions
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.
The cost of high-value contents insurance depends on a number of factors such as the amount of cover required, and other risk factors such theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.
Our contents insurance covers is extensive and covers most of the items in your home, but some examples are: - Furniture and furnishings - Jewellery and watches - Art and antiques - Bicycles and sports equipment - Electronic items such as laptops, phones, TVs and sound systems. All of these items are covered worldwide as standard.
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.
The general rule is that you need high-value contents insurance if you have: - General contents are worth over £100,000; or - Valuable items that together are worth over £30,000.
Yes. Your jewellery insurance policy covers your jewellery collection, including rings, necklaces, earrings, bracelets, and watches. This means you can protect your entire jewellery collection without the need for separate, standalone policies.
