Contents cover tailored to serious collectors
Coin insurance from rivr is built for collections that deserve more. Whether you're a passionate numismatist or an investor in rare currency, we offer specialist contents insurance that protects your coins at home, in storage or in transit.
Your coin collections, from gold sovereigns and Britannias to ancient denarii and proof sets, are covered worldwide for theft, accidental damage, and loss.
Professional valuations unlock agreed-value cover and up to 150% market appreciation. There's no need to list every item under £25,000, and newly acquired coins are automatically covered for 60 days. Upload valuations digitally, manage your policy online, and ensure your market value is always protected.
Tailored for collections whose value can’t be replaced.
Regulated by the FCA | Underwritten by A Rated insurers
Collections insurance with global
reach
Insure all your coins in one policy
Insure coins under £25,000 without listing each one. Flexible protection for items in safes, exhibitions, or with postal couriers.
Worldwide and in-transit cover
Your coin collection is protected worldwide, including at home, in storage or in transit. All-risk cover includes theft, loss and accidental damage.
Agreed-value and market uplift
Coins with valuations can benefit from agreed-value protection and up to 150% market appreciation, protecting both rarity and condition.
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
High limits included as standard
Choose a level of cover that fits your entire collection under one home insurance policy. Ideal for coin collectors with prized possessions and single items of note.
Worldwide cover with no location limits
Coins are covered at home, in secure storage or while shipped. Includes theft, accidental loss and damage in transit for insurance purposes.
Flexible storage and display
Insure coins individually as specified items, or under one total. Policy terms allow practical storage, with simple wording for coins kept in safes or cabinets.
Automatic cover for new acquisitions
You're financially covered from day one. Newly purchased coins are automatically covered for 60 days, giving time to obtain valuations and update current value without affecting insurance cover.
Settlement at professional valuation
Claims are settled at the professional valuation with up to 150 percent market appreciation where applicable. Clear treatment of replacement cost and condition
Expert support and guidance when needed
Speak to a dedicated advisor for coin collections. Get help with valuations, secure storage and insured shipping for rare coins. Claims are handled by specialists who understand grading, provenance and replacement cost.
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.
Why choose rivr's collections insurance?
More than standard collections insurance
Choose specialist cover built around numismatics. This coin insurance sits within a high value home insurance policy and can protect your entire collection under one policy, not just a single item. A clear level of cover applies at home, in secure storage and while coins are in transit for insurance purposes.
How this policy supports a coin collector
Your coins are covered worldwide for theft, accidental loss and damage. Newly purchased coins are financially covered for up to 60 days if you tell us within 60 days of acquiring them. This gives time to arrange valuations and record the current value. Where a professional valuation exists, claims are considered in line with the valuation and policy terms, including replacement cost where applicable. Specified items can sit alongside unlisted pieces so prized possessions and valuable items remain under one structure.
Simple structure, digital management
Manage your home insurance policy online. Upload valuations, review documents and keep the value of your items current with clear information. Advisors explain specialist policies and policy terms, so you can make decisions with peace of mind.
Practical tips to protect coins
- Handle coins by the edge only. Use cotton gloves for proofs and high-grade pieces.
- Store in inert capsules or archival flips. Keep temperature and humidity stable.
- Maintain an indexed inventory for insurance purposes with photos, grades and current value.
- For shipping, double box, use tamper evident tape and tracked services. Declare contents appropriately.
- Separate bullion from rarities. Use a safe or bank vault for the most valuable pieces.
- If you also collect stamps or banknotes, use acid free albums away from light and moisture.
What our contents policy includes
- Worldwide collections insurance under one policy for coins at home or in storage.
- Automatic cover for new acquisitions for 60 days when notified within the timeframe.
- Settlement aligned to professional valuation and replacement cost where applicable under policy terms.
Frequently asked questions
Most coin collectors benefit from specialist cover within home insurance rather than relying on a standard policy. With rivr, coin collection insurance sits under worldwide all-risks contents cover, so your coin collections and most prized possessions are protected at home, in storage and while shipped as part of your insurance policy.
- Start a quote under combined home insurance or standalone contents insurance with worldwide all-risks contents cover.
- Set your contents sums insured, specify higher-value coins where needed, and upload valuations so the policy reflects your collection and schedule.
- Declare the total value of your coin collections. Where coins are scheduled under fine art and antiques, the unscheduled per-item limit is £25,000, as shown on your schedule.
- Upload recent valuations for key or rare coins. Where a valuation exists in the relevant category, settlement follows policy terms and can include market appreciation up to 150%.
- Confirm storage and security so the insurance policy reflects where coins are kept and if they travel. Worldwide cover applies, subject to policy terms.
- For newly acquired coins, temporary cover applies up to 25% of the contents sum insured if you tell us within 60 days of acquisition.
- Keep a simple inventory with photos and grades to support replacement cost and claims. Manage everything online with advisor support.
Yes. New coins are covered for up to 60 days while you obtain valuations and update your schedule, provided you tell us within 60 days of acquisition. Unspecified items have a per-item limit of £25,000, so higher-value coins should be listed as specified items on your insurance policy schedule.
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.
Settlement follows your schedule and policy terms. Where a professional valuation exists, we consider the valuation and replacement cost. For fine art and antiques categories, market appreciation up to 150% can apply where a valuation exists. This helps protect rare coins within a rivr coin insurance solution that reflects current value.
Pricing for coin insurance reflects the declared value of the collection, highest single-item value, storage and security, location, and your chosen level of cover under the home insurance policy. Providing valuations for rare coins and a simple inventory helps us assess risk and set terms in line with the insurance policy. For an exact premium, complete a quote and share any grading or provenance you hold.
With rivr, your coin insurance comes under our contents policy, insrued up to £250,000. You can manage your policy online, upload valuations securely and speak to a dedicated advisor for specialist cover.
For many coin collectors, yes. Well-documented coin collections can retain or grow value over time. Handle coins by the edge, avoid cleaning, use inert holders, and maintain stable temperature and humidity. Keep a photo inventory with grades and receipts to support valuations and claims, which helps protect your most prized possessions under your insurance policy and provides peace of mind.
The general rule is that you need high-value home insurance if you meet any of the following criteria:
- The rebuild value of your home is over £1 million
- Your general contents are worth over £100,000
- You have valuable items that together are worth over £30,000
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