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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, helping your antiques insurance reflect 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 helps maintain 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.
