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Contents insurance for serious stamp collectors
Standard home insurance often excludes the risks that matter most to philatelists. That’s why rivr offers stamp collection insurance as part of our specialist high-value contents cover. Whether you collect Penny Blacks, rare overprints, or entire thematic series, your stamps are protected against accidental damage, theft, and loss; at home, in transit, or worldwide.
There’s no need to list each individual stamp under £25,000, and newly acquired items are automatically covered for 60 days. Upload valuations digitally, unlock agreed value protection, and rest easy knowing your collection is adequately insured, even as its market value grows.
Regulated by the FCA | Underwritten by A Rated insurers
Collections insurance with global
reach
Insure your entire stamp collection in one policy
Stamps under £25,000 don’t need to be listed individually. Enjoy flexible cover whether housed in albums, vaults, or during transport.
Worldwide and in-transit cover
Your stamp collection is covered globally, at home, in storage, or on the move. All-risks cover includes accidental damage, theft, and loss.
Agreed-value and market uplift
Valuations unlock agreed-value cover and up to 150% market appreciation, protecting both the rarity and condition of your most prized items.
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
Choose a level of cover that protects your entire stamp collection under one home insurance policy. Built for collectors with rare issues and standout pieces.
Worldwide cover with no location limits
Stamps are insured whether kept at home, held in secure storage, or sent by post. Protection includes theft, accidental loss, and in-transit damage.
Flexible storage and display
Insure stamps as specified items or under one total. Policy terms support practical display and storage, with clear conditions for albums, safes, and cabinets.
Automatic cover for new acquisitions
You're covered from day one. Newly purchased stamps benefit from 60 days of automatic cover, allowing time for valuation and documentation without risk.
Settlement at professional valuation
Claims are settled at the professional valuation with up to 150 percent market appreciation where applicable. Clear treatment of replacement cost and condition
Expert support and guidance when needed
Get advice from a dedicated specialist for stamp collections. We help with valuations, storage, and secure transport, ensuring accurate claims and peace of mind.
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.
A stamp collector’s policy, redefined
Beyond stand alone collection insurance
This is not a one-size-fits-all policy. rivr provides specialist cover tailored to philatelists, as part of a high value contents insurance policy. Your entire collection can be covered under one structure, with a clear level of protection at home, in secure storage, or while in transit.
How we support serious stamp collectors
Your stamps are insured globally against theft, accidental loss, and physical damage. Newly acquired items are automatically covered for 60 days, giving you time to arrange valuations and confirm their total value. Where a professional valuation exists, settlement is aligned to the agreed value and policy terms, including replacement cost where appropriate. Listed rarities and general holdings can coexist under one schedule.
A clear policy, managed your way
Upload stamp valuations, manage documents, and track cover limits online. Your advisor can help explain how our tailored insurance policy fits your specific needs. We’re insurance specialists, here to ensure your valuable items are always adequately insured.
How to protect your stamp collection
- Handle with care: Always use tweezers with rounded tips. Avoid touching stamps with bare hands to reduce the risk of oil or moisture damage.
- Store professionally: Use acid-free albums, hingeless mounts, or stock books. Keep them in a dry, cool place with stable humidity, away from direct light.
- Document thoroughly: Keep an indexed inventory with scans or photos, condition grades, dates acquired, and current market value.
- Separate and secure: Rare or high-value stamps should be stored in a safe or secure facility. Avoid mixing with general contents or coin collections.
- When shipping: Use stiffeners or protective sleeves inside waterproof mailers. Always send tracked and insured, with declared contents clearly stated.
What’s included with your contents cover
- Worldwide stamp collection insurance as part of your contents policy
- Newly acquired stamps automatically covered for 60 days when notified
- Settlement aligned with agreed valuations and replacement cost where applicable
- One home insurance policy for your full collection, whether stored at home or in secure locations
Protect what matters most with specialist contents insurance
Start your quote in minutes, guided by experts who understand the separate merits of high value collections.
Frequently asked questions
- Start a quote under combined home insurance or standalone contents insurance with worldwide all-risks cover. Set your contents sum insured, specify higher-value stamps where needed, and upload valuations so your schedule reflects your collection accurately.
- Declare the total value of your stamp collection. Where stamps are listed under fine art and antiques, the unscheduled per-item limit is £25,000, as shown in your policy schedule.
- Upload recent valuations for rare or significant stamps. Where a valuation exists in the relevant category, settlement follows policy terms and may include market appreciation up to 150 percent.
- Confirm storage and security arrangements. Cover applies at home, in secure storage, or in transit, subject to policy terms.
- Newly acquired stamps are automatically covered for up to 25 percent of the contents sum insured, if you notify us within 60 days of acquisition.
- Keep a simple inventory with images and condition grades to support claims. Manage your policy and documents online, with support from a dedicated advisor.
Claims are settled in line with your policy schedule and terms. Where a professional valuation exists, we consider both the valuation and replacement cost. If stamps are listed under fine art and antiques, market appreciation up to 150 percent may apply. This ensures your most valuable stamps are protected in line with current market value.
Pricing depends on the total value of your collection, the highest single-item value, storage, security, and the level of cover selected under your home insurance policy. Supplying valuations and an inventory helps us assess risk and match the policy to your collection.
Standalone policies can come with restrictive limits. At rivr, stamp collection insurance is included within high value contents cover, with up to £250,000 insured as standard. You can manage your policy online, upload valuations securely, and speak with an advisor for tailored support.
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.
The general rule is that you need high-value home insurance if you meet any of the following criteria:
- The rebuild value of your home is over £1 million
- Your general contents are worth over £100,000
- You have valuable items that together are worth over £30,000
All risks insurance provides a broader form of coverage compared to standard home insurance policies. It typically offers protection for both personal possessions and valuables at home and worldwide. It also covers accidental damage. All risks cover still has some exclusions such as wear and tear or mechanical breakdown. You would need to check the policy for specific exclusions and limits.
Yes. Our contents insurance includes accidental damage as standard, offering all-risks protection for your belongings, whether at home or abroad.
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