More than standard fine art insurance
Every high value home insurance policy from rivr includes tailored art insurance. We provide cover for your most valuable pieces, whether kept at home, in storage or on loan for exhibition. All-risks protection is included as part of a single home insurance product, offering reassurance wherever your artworks are located.
Specialist cover that moves with your collection
Whether displayed at home, on loan to a gallery or in transit, rivr fine art insurance is designed to respond to the way collectors live with their works. It covers theft, accidental damage and loss during shipping or exhibition.
Protection that reflects real-world risk
Cover includes:
- Accidental damage in the home or while handling.
- Water damage from leaks, flooding or humidity.
- Partial damage to surfaces, frames or structure.
- Theft or loss during transport or exhibition.
- Fire or smoke damage affecting valuable items.
Each item is assessed to reflect its true worth. Optional extensions may be available depending on your collection and storage conditions.
Agreed value and appreciation cover
If you hold a professional valuation, agreed value cover may be applied so claims are settled at the insured amount. Market appreciation up to 150 percent may also apply in line with your policy terms.
No need to list every item
Artworks under £25,000 are covered without itemisation. New acquisitions are protected for 60 days, giving you time to obtain a valuation or upload documentation.
Designed for collectors, delivered digitally
Upload valuations, manage your art insurance policy and access documents online. If you need to make a claim, a dedicated handler will coordinate restoration and valuation support.
How do I protect my fine art?
Proper handling, storage and display can reduce the risk of damage. A key part of risk management, the following tips can help you protect your fine art collections and reduce avoidable damage.
Sculptures and statues
- Avoid placing pieces near heat sources or in busy areas.
- Carry marble and stone upright to help prevent internal cracks.
- Anchor outdoor statues or use discreet alarms.
- Avoid abrasive cleaners that may erode surfaces.
Paintings
- Use two hooked plates and brass chains for secure hanging.
- Keep watercolours out of direct sunlight to reduce fading.
- Maintain stable humidity to reduce warping or cracking.
Specialist support
Many collectors choose to work with external professionals for packing, installation and restoration. While not part of the insurance policy, these services can help minimise risk. rivr fine art insurance includes cover for partial damage, transit loss and defective title, subject to policy terms.
