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
Protect your entire fine art collection under one home insurance policy, all covered within your chosen contents sum.
Worldwide cover with no location limits
Artworks are covered while at home, and they’re also protected during a home move when transported and temporarily stored by professional removal companies.
Automatic cover for new purchases
Unspecified fine art is covered up to £25,000 per item. Newly acquired pieces are automatically included for 60 days for up to 25% of your contents sum insured.
Market appreciation up to 150 percent
Where a professional valuation exists, fine art and antique claims may be settled up to 150 percent of the specified amount, reflecting market movements.
Get started online in minutes
You can manage your policy digitally, including uploading valuations and documents when you’re ready to finalise cover.
Death of an artist
If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.
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.
Contents cover designed forglobal lifestyles
More than standard antiques insurance
Every high-value home insurance policy from rivr includes tailored art 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.
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
No. Rivr doesn’t provide risk management directly, but our cover complements the work of professional art specialists. We protect against accidental damage, transit loss, and defective title for eligible items. Together, these protections support both the physical and legal aspects of your collection.
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, so you can upload valuations, view your documents and request updates securely online. Our team can also support you with art-specific risk considerations such as storage or transport.
Many insurers require a separate policy or item-by-item listing for art. Rivr includes fine art within your contents cover, with worldwide all-risks protection and no need to list each piece under £25,000. It’s a simpler, more flexible way to insure growing collections.
Yes. Fine art needs to be insured for its current market value. Rivr’s policy covers loss, accidental damage and worldwide transit, including market-appreciation protection of up to 150% for specified works.
Professional artists often need specialist commercial insurance for their studio, work in progress, and public liability. Rivr’s cover is designed for private collectors rather than professional use.
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.
Read more
