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We've redesigned contents insurance for you
At rivr, specialist jewellery insurance is included as part of your contents cover. Whether it’s a high value item, a family heirloom, or a luxury watch, we offer protection built around your needs.
Benefit from worldwide cover for accidental loss, accidental damage, and theft; risks that many standard home insurance policies exclude.
Your jewellery is covered whether kept in a safe, worn daily, or stored in a bank safety deposit box. Our digital-first, high-value cover ensures your collection is never underinsured.
Regulated by the FCA | Underwritten by A Rated insurers
Contents cover designed to protect high value jewellery
Worldwide insurance policy, all risk cover
Your entire jewellery collection included on one contents policy. Luxury jewellery and watches covered worldwide.
No restrictive terms
Jewellery insurance policies designed to work with you, not against you. We don't
have the same restrictive safe terms as others.
Fast and personal
Digital first insurance, a tailored approach, and a client
advisor on hand to help.
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
Get started online in minutes.
No paperwork. Upload valuations and documents digitally when you're ready to finalise cover.
High Limits
Up to £500,000 of high-value jewellery cover as standard, with only items over £25,000 needing to be specified.
Every high-value item is covered at home and abroad, subject to the usual conditions in your policy.
Every high-value item is covered at home and abroad, subject to the usual conditions in your policy.
No restrictive safe items
Your high value jewellery is covered whether stored in a safe or left out on the side, ensuring the right level of cover for jewellery and watches at home.
Flexible high value jewellery cover
Newly purchased jewellery items are covered automatically for up to 60 days, giveing you time to arrange cover, obtain a professional valuation, and ensure your jewellery is never underinsured.
New for old replacement
Claims are settled by replacing the item as new, ensuring the correct level of cover and full value for your jewellery.
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.
Worldwide jewellery insurance
cover that protects you away from
home
A jewellery valuation helps us set an agreed value, ensuring accurate protection and faster claims. It also creates a reliable record that supports ownership verification and documentation during a claim. We guide you through each step, from finding a trusted expert to submitting paperwork.
To ensure accuracy, we recommend obtaining a valuation from a recognised professional guild.
Why a standard home insurance policy falls short
Most standard policies limit jewellery and watch claims to £1,000 to £2,500 per item, regardless of their actual worth. That means your engagement ring, Rolex, or inherited pieces may be underinsured if stolen, lost, or damaged. Some policies exclude accidental loss entirely or require individual item scheduling.
rivr eliminates these restrictions. Our specialist jewellery and watch insurance is built for valuable possessions, offering higher limits, fewer exclusions, and no need to compromise on protection.
Insure your valuables with confidence
Our policies protect your belongings wherever you are, offering watch insurance and jewellery insurance as standard. You don’t need to list every item. We cover a comprehensive range of individual items under one plan, no matter where you travel.
Flexible cover options for high value jewellery
Choose blanket cover or schedule specific items. You can also add newly acquired jewellery with automatic protection for up to 60 days. Your cover options are designed to grow with your collection.
Claiming for accidental loss, theft or damage
We offer the choice of a cash settlement, or replacement via one of our approved high street jewellers. You can also request a repair. There’s no deductible on large claims over £25,000, and all settlements are based on the correct level of protection.
Why choose rivr for high value jewellery insurance?
Frequently asked questions
Yes. Our contents insurance includes accidental damage as standard, offering all-risks protection for your belongings, whether at home or abroad.
Your policy does not cover general wear and tear, unexplained loss without evidence, or theft where there’s no forced entry.
Pieces of jewellery valued over £10,000 must be kept in a locked safe when not worn. Items left unattended in public places or visible in unlocked vehicles are also excluded.
Yes. If your jewellery or watch is valued over £10,000, it must be kept in a locked safe or bank deposit box when not being worn.
This helps ensure your cover remains valid in the event of a theft. Always refer to your policy wording for full details on storage conditions and exclusions.
New jewellery items or watches are automatically covered for 60 days from the date of purchase, provided you have proof of value or receipt. After 60 days, valuation must be submitted to maintain full jewellery cover.
If a covered item is lost, you’ll receive either a cash settlement or a full replacement based on the agreed value confirmed by your professional jewellery valuation. Rivr covers individual high value items such as engagement rings and watches up to £250,000 in total, ensuring your payout reflects the item’s full worth.
Absolutely. Rivr’s contents cover includes worldwide cover as standard, protecting your jewellery whether you’re at home or travelling. This includes accidental loss, accidental damage, and theft, as long as reasonable precautions are take.
Yes. You must get your jewellery valued. This ensures the insurance policy reflects each item’s replacement cost, supports agreed-value payouts, and speeds up claims processing.
We recommend obtaining a jewellery valuation from a member of a recognised professional guild, such as the NAJ (National Association of Jewellers)
Yes. we include specialist jewellery insurance as part of our high value contents insurance. You can protect your valuable items under a single insurance policy that covers up to £500,000 in total contents, with individual jewellery items covered up to £250,000 when specified.
This far exceeds the limits of many standard home insurance policies, which often restrict single-item cover to £1,500 to £2,500.
The cost is typically 1% to 2% of the overall value of your jewellery, depending on how and where it’s stored, how often it’s worn, and your location. Rivr lets you get a quote online in minutes and provides clear, tailored pricing based on your valuable items and risk profile.
If you’re unhappy with how your claim or complaint has been managed, you can escalate the issue. First, contact your insurance broker at Rivr to ensure all policy details have been reviewed correctly.
If the matter remains unresolved, you can refer your dispute to the Financial Ombudsman Service, a free, independent service that handles complaints about UK insurance policies. You must contact them within six months of receiving our final response.
Our contents insurance covers is extensive and covers most of the items in your home, but some examples are:
Furniture and furnishings
Jewellery and watches
Art and antiques
Bicycles and sports equipment
Electronic items such as laptops, phones
TVs and sound systems.
All of these items are covered worldwide as standard.
High-value contents insurance is designed for homes that require cover above the limits offered by standard home insurance, and offers a more comprehensive form of insurance. It offers tailored insurance cover that is designed for homes with a higher standard of finish and contains expensive personal belongings such as luxury or antique furniture, electronics, jewellery and art.
The cost of high-value contents insurance depends on a number of factors such as the amount of cover required, and other risk factors such theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.
The general rule is that you need high-value contents insurance if you have:
General contents are worth over £100,000
or
Valuable items that together are worth over £30,000
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