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Contents cover built for luxury handbags
rivr handbag cover is made for collectors who expect more. If you curate Hermès Birkins or hunt a rare Chanel Classic Flap, we provide specialist contents insurance that protects your bags at home, in secure storage, and while they travel.
Your handbag collection is protected worldwide against theft, accidental damage and loss. With an independent valuation, we agree your cover and reflect up to 150% market appreciation.
You don't need to list each item under £25,000, and new purchases are included for 60 days. Upload valuations online, manage your policy in minutes, and keep protection aligned to real market value.
Premium protection for collections that cannot be easily replaced.
Regulated by the FCA | Underwritten by A Rated insurers
Handbag insurance that moves with you
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Insure all your handbags in one policy
Insure designer handbags under £25,000 without listing each one. Flexible protection for items in safes, exhibitions, or with postal couriers.
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Worldwide and in-transit cover
Your handbag collection is protected worldwide, including at home, in storage or in transit. All-risk cover includes theft, loss and accidental damage.
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Agreed-value and market uplift
Bags 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
Worldwide cover with no location limits
Your designer bags are insured whether kept at home, held in secure storage, or sent by post. Protection includes theft, accidental loss, and in-transit damage.
High limits included as standard
Choose a level of cover that protects your entire collection under one home insurance policy; from everyday favourites to rare editions, all under one policy
Flexible storage and display
Insure your prized handbags as specified items or under one total. Policy terms support practical display and storage, with clear conditions for albums, safes, and cabinets.
Automatic cover for new acquisitions
You're covered from day one. Newly purchased handbags benefit from 60 days of automatic cover, allowing time for valuation and documentation without risk.
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
Get advice from a dedicated specialist for handbag collections. We help with valuations, storage, and secure transport, ensuring accurate claims and peace of mind.
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 contents insurance?
More than standard handbag insurance
Choose specialist cover designerd for true collectors. Our handbag 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 handbags are in transit for insurance purposes.
How our policy supports the avid bag collector
Your handbags are covered worldwide for theft, accidental loss and damage. Newly purchased bags 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.
Digital-first management, straightforward structure
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.
How to protect your handbags in storage
- Use dust bags: Always store your handbag in its original dust bag (or a breathable cotton one) to protect it from light and dust. Avoid plastic bags, which can trap moisture.
- Don't hang it by the handles: This can stretch the straps and strain the seams over time.
- Maintain shape: Acid-free paper or purse pillows should be stuffed in your bag when it's not in use. This helps to keep its shape and prevent sagging.
- Store properly: Keep your handbags bags upright and away from direct sunlight, heat, and humidity.
- Store away from other bags: Ensure to separate your bags when storing. This prevents hardware imprints or color transfer onto other materials.
What our high value contents policy includes
- Worldwide collections insurance under one policy for bags 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
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.
Designer handbags aren't just fashion accessories; they’re investment items that can retain or even appreciate in value over time. Brands like Louis Vuitton, Gucci, Hermès, and Chanel produce bags that are often collectible and highly sought-after.
Insurance helps protect you financially in the event of theft, accidental damage, or loss, which can otherwise be very costly to replace.
- 1, Start a quote under combined home insurance or standalone contents insurance with worldwide all-risks cover. Set your contents sum insured, specify higher-value bags where needed, and upload valuations so your schedule reflects your collection accurately.
- 2. Declare the total value of your bag collection. Where handbags are listed under fine art and antiques, the unscheduled per-item limit is £25,000, as shown in your policy schedule.
- 3. Upload recent valuations for rare or significant handbags. Where a valuation exists in the relevant category, settlement follows policy terms and may include market appreciation up to 150 percent.
- 4. Confirm storage and security arrangements. Cover applies at home, in secure storage, or in transit, subject to policy terms.
- 5. Newly acquired handbags are automatically covered for up to 25 percent of the contents sum insured, if you notify us within 60 days of acquisition.
- 6. Keep a simple inventory with images and condition grades to support claims. Manage your policy and documents online, with support from a dedicated advisor.
Yes. New handbags 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 bags should be listed as specified items on your insurance policy schedule.
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
Yes. Contents insurance covers your belongings, not the structure, so set a separate figure alongside your buildings cover. Premiums and limits differ between the two. With rivr, buildings and contents sit in separate sections, each with its own sum insured and limits.
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