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Rivr Cover
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Insurance for those with more to protect

Simple high-value home and contents insurance to protect the home you’ve worked so hard to build.

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designed to give you confidence

We have redesigned high value insurance. Rivr is built for you. Making it simpler and easier to get good cover, tailored to you.

  • One policy covers your home, contents and all of your valuables.

  • Instant quote online.

  • No hidden admin fees charged ever, anywhere.

  • A dedicated client adviser to support you.

why Rivr

Modern technology. Exceptional service.

We combine the speed and control that technology gives you with proper private client service, giving our clients the best of both worlds.

How we work
Man reclining in a home interior

Simple cover designed to fit your life

One policy, higher limits, and nothing to itemise under £25,000.

what we offer

Our insurance

Get started online in minutes. No paperwork.

how we differ

Specialist cover, without the back and forth.

Traditional brokers · Up to 2 weeks

Research, call backs and a 30–45 minute discovery call. Your details manually keyed into insurer portals, then 2–7 days waiting for quotes. Follow-up calls and payment over the phone before your documents finally arrive, to sit in your inbox.

Rivr · As little as 5 minutes

Complete the online quote journey in about five minutes and get a bespoke price instantly. Talk it through with your dedicated client adviser if you want to, then buy online, with your documents waiting in your online account.

your dedicated client adviser

Digital insurance, with an adviser who knows you

Get an instant quote and manage your policy online, whenever it suits you. When you would rather talk, your dedicated client adviser is there to help you refine your quote, answer questions during your policy and support you through a claim.

Book a call
A Rivr client adviser talking with a client
However suits you
  • Phone
  • Chat
  • Email
  • WhatsApp

complete flexibility

Easy 24/7 online access

You can manage your policy completely online.

Access your policy documents and manage your cover.

Sign in

client reviews

Rivr cover is rated excellent

4.7/5 on Trustpilot

  • “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.”

    Anna H · London

  • “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.”

    Anthony B · UK

  • “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.”

    BH · UK

  • “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.”

    CW · UK

  • “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.”

    Edward B · London

  • “Totally refreshing experience to talk to Will at Rivr. Will provided a service like no other - great communication, listens, understands and delivers! I highly recommend you call him too.”

    Emma W · Bristol

  • “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.”

    John G · UK

  • “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.”

    John O · UK

  • “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.”

    Martin F-G · UK

  • “A simple online application followed up by a telephone consultation to tailor the policy to suit our personal needs. I feel confident that everything is now properly covered”

    Nigel R · UK

  • “Superb service - quick, clear and they couldn't have done more (thanks, Sasha!) Would highly recommend.”

    Patrick O · UK

  • “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.”

    Paul · UK

  • “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.”

    Sam C · London

  • “I needed bespoke cover, and Rivr delivered with ease. The website was quick, no long calls, and Will’s support even reduced my premium. Highly recommend.”

    Steve R · UK

  • “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.”

    Yolanda B · Suffolk

faq

Frequently asked questions

Insurance can be complicated. Here are answers to the questions we are asked most.

Go to FAQs
What does Rivr do?

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.

How does Rivr differ from other insurance brokers?

Simply put, Rivr is a UK insurance broker where you can buy and manage high-value home insurance 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.

Is Rivr financially regulated?

Yes, Rivr Cover Limited is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155). Rivr is a trading name of Rivr Cover Limited, registered in England and Wales (company number 14104261), registered office 124 City Road, London EC1V 2NX.


You can verify our authorisation by visiting the FCA Register.

Who insures the policy?

Your policy is underwritten by two highly rated insurers:

Buildings, Contents, and Liability cover — Accelerant Insurance UK Limited (UK-based insurance subsidiary, awarded an A- financial strength rating by AM Best). Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (Firm Reference Number: 207658).

Family Legal Solutions and Property Emergency Solutions — ARAG Legal Expenses Insurance Company Limited (founded in Germany, awarded an A financial strength rating by AM Best). Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (Firm Reference Number: 202106).

Both insurers are financially strong and fully regulated, providing you with reliable and secure coverage.

How can I reach you?

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: Book a call with a member of our team

We’re always happy to help.

How long does it take to get a quote?

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).

Can I buy my cover over the phone?

Our online quotation process is super intuitive and fast, but if you prefer you can book a call to discuss your needs, and we can get a quote for you. You can book a call with a member of our team at a time that suits you.

Do you charge any additional fees?

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.

How can I pay my premium?

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 through our premium finance partner, Bexhill.

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.

Paying by premium finance can be more expensive than paying annually.

How long is a quote valid for?

A quote is valid for 30 days from the date it is issued.

3 simple steps

Get an instant quote today

  1. 1 Tell us about your home
  2. 2 Review your quote
  3. 3 Accept and pay
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