Gadget Insurance

Often yes if you rely on high value devices or use them away from home. gadget insurance can add loss cover, protection for theft and accidental damage, and reduce out-of-pocket replacement costs. Many people place it under contents insurance rather than buying separate mobile phone insurance for every device.

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With rivr your gadget insurance sits under one insurance policy and your schedule shows limits and excess. We do not offer unlimited repairs and will arrange repair or replacement where appropriate.

Often partially at home and sometimes away from home if you add the right options. With rivr gadgets are insured under contents insurance with worldwide protection shown on your schedule so you can keep phone insurance within one policy instead of separate mobile phone insurance plans.

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Check your insurance policy schedule for excess and see the Financial Services Register for our listing. We are regulated by the Financial Conduct Authority and some activities are supervised alongside the Prudential Regulation Authority. Our registration number, company number and firm reference number are published on our site. If we act as an appointed representative the principal will also appear on the Financial Services Register.

Many policies include covered worldwide benefits but limits and exclusions apply. Always check how loss cover and accidental damage work when you travel.

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With rivr your gadgets are covered worldwide under contents insurance subject to your schedule and wording. For phones we may ask for your network provider and IMEI to help confirm ownership if you make a claim.

Yes. When you make a claim, you’ll need to provide evidence such as original purchase receipts, invoices, photographs, or bank and card statements. Proof of ownership helps confirm value and ownership of your device. For theft or attempted theft, you must notify the police within 24 hours of discovery, obtain a crime reference number, and contact the claims team as soon as possible.

With rivr, these documents help us verify your gadget insurance policy quickly so we can confirm eligibility and any repair or replacement costs without delay.

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Yes. Our contents insurance includes accidental damage as standard, offering all-risks protection for your belongings, whether at home or abroad.

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.