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Worldwide protection
for premium timepieces
Your luxury watch is more than its price tag; it reflects craftsmanship, marks milestones, and often holds deep meaning. That's why we include dedicated watch insurance within our high value contents cover.
Each policy offers tailored protection for accidental damage, accidental loss, and theft, covering a wide range of unforeseen events. We ensure your valuable watches are protected at home, in a safe, or while travelling anywhere in the world.
New watches purchased are covered automatically for 60 days and you don't need to list every single watch up front. Cover extends to £250,000 across specified items, subject to the single article limit.
Owners of major brands like Rolex, Tag Heuer, Patek Philippe, and Audemars Piguet trust us to protect what matters. With a flexible insurance policy, fast digital onboarding, and simple ways to make a claim, you gain peace of mind without paperwork.
Regulated by the FCA | Underwritten by A Rated insurers
Watch insurance without the paperwork
Worldwide insurance policy, all risk cover
Mutiple items included under one contents policy, protected worldwide.
No restrictive terms
rivr's home insurance is designed to work with you, notagainst you. We don't have the same restrictive safe terms asothers.
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
High Limits
Up to £500,000 of watch insurance cover included as standard, ensuring protection for your most valuable timepieces.
Fast, paperless watch cover
Start online in minutes with a fully digital process, uploading valuations whenever it suits you
Designer watch cover worldwide
Enjoy worldwide protection and no unnecessary storage rules, with full details in your policy documents.
No restrictive safe items
Your expensive watches are protected whether stored securely or left out at home, ensuring the right level of cover in every setting.
Flexible watch cover
Newly purchased watches are covered automatically for up to 60 days, giving you time to arrange cover, obtain a valuation, and ensure you're never underinsured.
New for old replacement
Claims are settled on a new-for-old basis, giving full value for your watch. We assess claims quickly and fairly, but exclusions may apply for wear and tear or mechanical faults not caused by a covered event.
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.
Protection for your watch
collection, home or abroad
Getting a watch professionally valued helps ensure your policy reflects its true worth. It protects youfrom day one and speeds up the claims process if something goes wrong. A current valuation also acts as proof of ownership, helping resolve claims for loss, theft, or damage more smoothly.
We can point you towards trusted experts and make it easy to upload documents when you're ready. For the most reliable results, choose a certified horologist or a valuation recognised by a professional guild.
Standard insurance isn’t built for desginer watches
Most home insurance policies limit cover for valuable items to just a few thousand pounds. That means your watch may be significantly underinsured if it is lost, stolen, or damaged. Some policies exclude accidental loss entirely or only apply if the item is separately listed as a specified item. Others set strict single article limits or refuse claims related to wear or loss from an unattended vehicle.
rivr removes these limits. Our watch insurance is included in your contents insurance, offering tailored watches cover for individual pieces or collections. Fewer exclusions. Higher policy limits. Protection that works at home and abroad.
Why specialist jewellery insurance is essential
Watch theft is rising. The Watch Register reported £1.6 billion worth of watches were stolen last year. Whether worn daily, taken abroad, or stored securely, your timepiece moves with you. So does the risk. That makes everyday insurance essential for owners who want the freedom to wear without worry.
With riivr, your policy adapts to your habits. It covers accidental damage, loss, and theft worldwide, with flexible support and simple valuation updates.
Flexible cover that grows with your collection
Every policy evolves with your collection. Newly purchased watches are automatically covered for 60 days, giving you time to arrange a professional valuation and update your policy if needed.
Watches valued at £25,000 or less are included without being individually listed, while those worth more simply need to be specified to receive full value cover. In total, we can protect specified watches up to £500,000, in line with your policy terms.
Fast claims and real support
If you ever need to make a claim, choose what works best for you. That could be a cash settlement, a replacement from one of our trusted partners, or a full repair through a specialist. There is no excess on claims over £25,000, and we base all settlements on the insured value listed in your policy.
Our insurance products aren't just colour by numbers. You get expert support, secure watch insurance that fits your lifestyle, and lasting peace of mind wherever life takes you.
Frequently asked questions
It depends on the value and usage of your smartwatch. For higher-end models or devices used daily, the risk of damage or theft may justify cover. However, many smartwatches fall below typical single item limits on home insurance policies.
With rivr, cover is designed for high value items, so it may not be necessary to insure lower-value wearables individually. If you’re unsure, we can help you check whether your device needs to be specified.
The cost depends on the value of your watch and the level of cover needed. With rivr, high value watches are included in your contents policy. You can get a quote online in minutes with no need to itemise every watch upfront.
Store watches in a secure safe or deposit box, especially when not in use. Avoid exposing them to extreme temperatures, humidity, or magnetic fields. Keep original receipts, service records, and photographs in case you ever need to prove ownership. A professional valuation helps confirm the current market value.
With rivr, your luxury watches can be covered under contents insurance, including protection at home and while travelling.
Yes. Luxury watches face real risks like theft, accidental damage, and loss. Standard policies often exclude these or set low limits. With rivr, your watch is protected through contents insurance with worldwide cover and flexible claims.
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. Our contents insurance includes accidental damage as standard, offering all-risks protection for your belongings, whether at home or abroad.
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.
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.
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