Coin Collection Insurance

With rivr, coin collections are protected under your contents insurance as fine art & antiques, with worldwide cover for loss or damage at home, in storage or in transit. Just make sure any single item or collection over £25,000 is specified.

1. Start a quote under combined home insurance or standalone contents insurance with worldwide all-risks contents cover.
2. Set your contents sums insured, specify higher-value coins where needed, and upload valuations so the policy reflects your collection and schedule.
3. 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.
4. 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%.
5. Confirm storage and security so the insurance policy reflects where coins are kept and if they travel. Worldwide cover applies, subject to policy terms.
6. For newly acquired coins, temporary cover applies up to 25% of the contents sum insured if you tell us within 60 days of acquisition.
7. Keep a simple inventory with photos and grades to support replacement cost and claims. Manage everything online with advisor support.

Yes. Newly acquired contents, fine art, antiques, jewellery and watches are covered automatically for up to 60 days, up to 25% of your contents sum insured. Just let us know within 60 days so we can update your schedule. Individual items over £25,000 should be specified.

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.

Claims are settled in line with your schedule and valuations. If you have a recent professional valuation, rivr will use it to agree the replacement or repair cost. For fine art and antiques, market appreciation of up to 150% can also apply.

Pricing depends on your collection’s total value, highest-value coin, storage and security. With rivr, coin collections are covered under your contents policy for up to £250,000. You can upload valuations and manage your policy securely online with specialist advisor support.

For many collectors, yes. Well-documented collections can hold or increase value. Handle coins carefully, store them properly, and keep receipts and photos. With rivr, you can protect your collection under your contents policy for peace of mind.

The general rule is that you may 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