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Contents cover for
those with more to
protect
From Regency silverware to mid-century furniture, antiques carry both cultural and financial worth. rivr’s antiques insurance is designed to protect these assets with worldwide all-risk cover, whether at home, in storage or in transit. Individual antiques valued under £25,000 are automatically insured without the need for itemisation.
Newly acquired pieces are covered for 60 days, giving you time to arrange a valuation and update your policy schedule. With flexible limits of up to £500,000 available and digital access to your documents, this insurance policy makes protecting your most valuable possessions straightforward and secure.
Regulated by the FCA | Underwritten by A Rated insurers
Why choose antiques insurance with Rivr?
Worldwide insurance policy, all risk cover
Mutiple items included under one contents policy, protected worldwide.
No restrictive terms
rivr's home insurance is designed to work with you, notagainst you. We don't have the same restrictive safe terms as others.
Fast and personal
Digital first insurance, a tailored approach, and a client
advisor on hand to help.
How our cover makes life simple for you
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
Choose the right sum insured
Set a contents limit that reflects the total value of your antiques. Only single items over £25,000 need to be specified, keeping administration light.
Worldwide protection for antiques
Cover applies at home, in secure storage or on loan. If pieces are stolen or damaged in transit or on display, your policy responds, subject to terms.
Per item cover up to £25,000
Antiques valued under £25,000 per item are covered without itemising. Higher value pieces can be listed individually for clarity.
Valuation based market uplift
Where a professional valuation exists, antiques claims may be settled up to 150 percent of the specified amount, reflecting market movements where eligible.
New acquisitions covered for 60 days
Newly purchased antiques are insured up to 25 percent of the contents sum insured if you tell us within 60 days, giving time to obtain a valuation and update your schedule.
Settled in line with your schedule
Claims are handled in line with policy terms, up to the sums insured and any single item limits, helping to repair or replace your antiques 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
Our insurance
Get started online in minutes. No paperwork.
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.
Protection for your antique collection, home or abroad
More than standard antiques insurance
Every high-value home insurance policy from rivr includes tailored antiques insurance. We provide cover for your most valuable possessions, whether kept at home, in storage or on loan for exhibition. All-risk protection is included as part of a single home insurance product, offering reassurance wherever your items are located.
Built for collectors of fine art and antiques
Our antiques insurance policies are designed for those who collect fine art antiques, antique furniture and decorative objects of historical value. Items are protected at home, during storage, while in transit, or when displayed externally. The policy covers theft, accidental damage, and physical loss, with fair claims handling and compensation based on true worth.
What’s included in your cover
Your valuable items are protected against:
• Accidental damage during handling or everyday use
• Water damage from humidity, leaks or flooding
• Fire and smoke damage affecting antique furniture or books
• Theft or loss during transport, appraisal or exhibition
• Surface or structural damage to fine art antiques
Each piece is evaluated for its overall value, not just material cost. Optional terms may apply depending on your policy schedule, environment or valuation.
Protection that accounts for appreciation
If a professional valuation exists, claims may be settled on an agreed value basis. We also provide cover for market value increases up to 150 percent, ensuring your antiques insurance reflects the current and accurate market value of your collection.
Flexible terms for new acquisitions
There is no need to itemise every piece individually. Any one item under £25,000 is covered automatically. Newly acquired antiques and fine art are protected for 60 days, giving you time to upload supporting documentation or valuations.
Digital-first insurance with real support
Manage your home insurance policy online, upload valuations at your convenience, and access live documentation. If you need to make a claim, your dedicated advisor provides independent advice, handles restoration arrangements and ensures peace of mind throughout the process.
Caring for valuable possessions
To maintain condition and long-term value, antiques and fine art should be handled with care. The following best practices help reduce avoidable damage:
Furniture and cabinetry
Avoid heat sources or direct sunlight
Lift using base supports only
Maintain a stable humidity range
Ceramics and glassware
Use padded supports and secure placement
Keep away from edges or high-traffic spaces
Avoid sudden temperature shifts
Books, paper items and rare editions
Store upright with full support
Keep in dry, cool conditions
Handle with clean hands or gloves
Additional support where needed
While not part of your insurance policies, many collectors use professionals for restoration, storage and international transport. These services help maintain value and reduce handling risk. Our antiques insurance policies also provide cover for partial restoration, transit loss and appreciation in market value, subject to full terms.
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