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We provide contents cover built around you
Your art deserves more than generic insurance. With rivr, collectors can insure paintings, sculptures and mixed media pieces under a single high-value contents policy. It’s designed to reflect the way fine art is owned, moved and displayed. Worldwide protection is included as standard, covering theft, accidental damage, loss in transit and risks associated with exhibitions.
Artworks with a professional valuation can benefit from agreed-value cover and up to 150% market appreciation. There’s no need to specify each individual item under £25,000, and newly acquired pieces are automatically insured for 60 days. Upload valuations digitally and manage your policy online with ease.
This is fine art insurance refined for serious collectors.
Regulated by the FCA | Underwritten by A Rated insurers
Specialist art insurance with global
reach
Cover for unscheduled artwork
Your art is protected globally, whether in your residence, at a
gallery or in transport. All-risk cover includes damage, theft
and loss in transit or on loan.
Worldwide and in-transit cover
Insure works individually or under a single total. Items under
£25,000 are covered without being specified, making fine art
insurance flexible and simple to set up.
Agreed-value and market uplift
Your art is protected globally, whether in your residence, at a
gallery or in transport. All-risk cover includes damage, theft
and loss in transit or on loan.
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
Up to £500,000 of high value contents cover is included as standard, helping ensure the right level of protection for your fine art without bespoke underwriting.
Worldwide cover with no location limits
Fine art is covered globally with no restrictions on where it’s stored, displayed, or transported. Your policy responds whether the work is in your home or abroad.
No restrictive display conditions
Your artwork is covered whether it’s hanging on the wall or stored off-site. There are no conditions requiring safes or specialist environments unless specified.
Automatic cover for new acquisitions
Newly purchased pieces are automatically covered for 60 days. You have time to arrange a valuation and update your schedule without affecting protection.
Agreed value and full settlement
When a professional valuation is held, your cover reflects that amount. Claims are settled at the agreed value with up to 150 percent market appreciation where eligible.
Expert support and guidance when needed
Get access to a dedicated advisor and risk management, including help with valuations, secure storage and shipping. Claims are handled by specialists who understand fine art.
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. Upload valuations and documents digitally when you're ready to finalise cover.
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.
Contents cover designed forglobal lifestyles
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.
More than a standard art insurance policy
Every high-value contents policy from rivr includes tailored fine art insurance. Your collection is protected at home, in storage or on display anywhere in the world. Coverage is provided under a single insurance policy with all-risk protection included as standard.
Specialist cover that moves with your collection
Whether displayed at home, on loan to a gallery or in transit, our 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.
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 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 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 prevent fading
- Maintain stable humidity to reduce warping or cracking
- Do not use gold paint on gilded frames as it discolours quickly
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.
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, ensuring your antiques insurance reflects 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 ensures 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.
Frequently asked questions
rivr does not provide risk management services directly. However, many clients choose to work with independent art specialists for packing, installation or restoration. rivr’s contents cover complements this by protecting against risks such as accidental damage, transit loss and partial damage.
For eligible art collections, cover may also include defective title, offering financial protection in the event of an ownership dispute. Together, these protections support both the physical and legal aspects of fine art risk management.
You’ll be guided by a dedicated advisor experienced in handling fine art claims. They help coordinate valuations, guide you through settlement, and ensure your experience is managed with discretion. Your fine art insurance cover includes all-risk protection, including loss or damage in transit.
Our policies are built for private collectors, families and individuals who own fine art as part of their household contents. Cover is suitable for those managing either a few works or a broad range of assets.
While not designed for galleries, optional specialist extensions may apply depending on your collection’s value, format and risk profile.
For pieces with a professional valuation, rivr offers agreed value protection. If a claim is made, you receive the full insured amount.
The policy also includes protection for up to 150 percent of the insured amount to reflect rising market value, helping ensure each piece remains fully covered even as it appreciates.
Yes. rivr is digital-first. You can upload valuations, view your policy and make updates online. This approach suits collectors who prefer flexible control of their cover without relying on a broker.
It also ensures access to secure documentation and support from advisors experienced in art-specific risk management and storage planning.
Many insurers require a separate product or manual itemisation for art. rivr includes fine art within your high-value contents policy, with worldwide all-risk protection and no need to list each piece under £25,000.
The result is streamlined administration and fewer barriers for collectors managing a growing portfolio. This is especially helpful for a diverse clients range with changing needs.
Yes. While some home insurance policies include basic protection for fine art, they often limit cover for risks like transit, display or accidental damage. Specialist fine art insurance offers more comprehensive protection.
If you own valuable works or are growing a collection, it’s important to ensure your policy reflects their current market value. Always review the terms carefully to understand exactly what is covered.
Artists may require commercial insurance cover for work in progress, studio contents, or liability while exhibiting. These needs differ from private art insurance.
Collectors or non-working owners should instead look for a personal art insurance policy that protects owned works for their full market value, whether on display or in transit.
Specialist art insurance policies cover theft, accidental loss and partial damage in a range of settings, including display, transit and storage. For many private individuals, fine art is protected as part of a broader home insurance policy that includes contents cover.
This is often the most efficient route for protecting an art collection under a single premium. Always check the policy wording to confirm what's included, particularly for high-value or newly acquired pieces.
The cost of art insurance varies depending on the size of your art collection, the individual value of each item, and where it’s stored or exhibited. High-value collections often require a bespoke insurance policy, but many owners are eligible for cover as part of a wider home insurance policy.
Fine art under £25,000 per item is typically covered without needing individual schedules.
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