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
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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.
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
You can manage your policy digitally, including uploading valuations and documents when you’re ready to finalise cover.
Jewellery covered worldwide
Your precious items are protected at home and abroad. If they are stolen or damaged in transit or on holiday, your insurance policy responds, subject to policy terms.
Set cover to match your collection
Choose a contents limit that reflects the total value of your jewellery. Only single items over £25,000 need to be specified, keeping admin light while you arrange cover.
Stored securely, still covered properly
Protection applies whether jewellery is worn, kept in a jewellery safe, or placed in a secure box at home. Cover is provided subject to policy terms.
Automatic cover for new pieces
New purchases are insured up to 25% of the contents sum insured if you tell us within 60 days, giving time to obtain a valuation and update your schedule.
Replacement on the right basis
Claims are settled up to the amount shown on your schedule, within the policy maximum and any single item limit, helping to replace or repair your jewellery in line with policy terms.
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.
"Very pleased with the design of Rivr's policy - well explained on their website with fewer complications and multiple restrictive limits than other insurers for a reasonable price. Being able to speak or email with Will to resolve queries before buying was excellent."
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. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.
Your contents insurance generally does not cover general wear and tear, unexplained loss without evidence, or theft without forced entry. Items left unattended in public or visible in unlocked vehicles aren’t covered.
Review your policy wording for your policy to see what is not covered.
Yes. Jewellery and watches should be stored securely when not being worn – ideally in a safe or bank deposit box.
While rivr doesn’t set a specific value threshold, insurers expect reasonable care to protect high-value items. Always refer to your policy for full security conditions.
Newly purchased jewellery and watches are automatically covered for 60 days, up to 25% of your contents sum insured. Just send us proof of purchase or valuation and we’ll update your schedule for continued 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.
Yes. Rivr’s contents cover includes worldwide cover as standard for jewellery and watches. This includes accidental loss, theft and accidental damage, as long as reasonable precautions are taken to keep them safe.
Only for higher-value pieces. With rivr, jewellery or watches worth over £25,000 must have a recent professional valuation. For items below that, it’s not required but still recommended to help support any future claim.
Yes. Rivr includes specialist jewellery cover within your contents policy with up to £500,000 in total contents and £250,000 per specified item. This far exceeds standard insurance policies, which often limit single items to around £1,500–£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.
Rivr’s high-value contents insurance covers most household items, including:
- Furniture and furnishings
- Jewellery and watches
- Fine art and antiques
- Bicycles and sports equipment
- Tech such as laptops, phones, TVs, and sound systems
All are covered worldwide as standard.
High-value contents insurance provides a more comprehensive level of protection than standard home insurance. It’s designed for homes with a higher standard of finish and valuable personal possessions, such as luxury or antique furniture, fine art, jewellery, and high-end electronics. The cover is tailored to reflect the true value of your belongings and lifestyle.
The cost of high-value contents insurance depends on several factors such as the total value of your possessions, the level of cover you choose, and specific risks like theft.
Premiums are typically higher than standard insurance due to the increased value, but they provide broader protection and higher limits to ensure your possessions are fully covered.
You may need high-value contents insurance if the total value of your possessions goes beyond standard policy limits. The general rule for this usually applies if:
- Your contents are worth over £100,000
- Your valuables (such as jewellery, watches, or art) together exceed £30,000.
