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Get an instant quote
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Regulated by the FCA | Underwritten by A Rated insurers

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4.6/5 rated on Trustpilot

Rated

Excellent

Read all reviews

"A fantastic personal service from Sasha, she is a pleasure to deal with. The policy is clear, straightforward and competitively priced. I would highly recommend seeking your insurance through rivr."

Yolanda B
Suffolk

Competitive contents insurance with an easy, straightforward process. Jewellery coverage was a great bonus. Simple to contact Rivr, would definitely recommend them for hassle-free home insurance.

Edward B
London

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what we offer

Our insurance

Get started online in minutes. No paperwork.

Insurance and cover

Combined Home Insurance

Get combined home, buildings and contents insurance, with home cover from £500,000 and contents from £75,000. Better protection, instant quote in 5 minutes.
Insurance and cover

Contents Insurance

Ensure your contents and valuables, sentimental or high-value, are covered with specialist cover up to £500,000.
Insurance and cover

Buildings Insurance

Standalone buildings cover from up to £3,000,000. Comprehensive specialist cover designed for high value homes.

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What is a listed building?

A listed building is one that is officially protected because of its special architectural or historic interest. These properties sit on a statutory list maintained by local authorities or Historic England. There are three main grades of listed building in the UK, each reflecting a different level of significance and protection.

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  • Grade I: Buildings of exceptional interest.
  • Grade II*: Particularly important buildings.
  • Grade II: Buildings of special interest.

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Owners must obtain listed building consent from their local planning authority before making repairs or alterations. The aim is to preserve the building’s architectural importance and overall historic interest.

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Because of this, listed property insurance needs to cover full rebuild costs, including specialist materials, traditional labour, professional fees and permissions. Standard home insurance often does not provide this level of protection.

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Our insurance offers tailored cover for Grade II and other listed homes, with specialist advice and support from experienced surveyors.

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What is the difference between Grade I and Grade II Listed?

A listed building is one that is officially protected because of its special architectural or historic interest. These properties sit on a statutory list maintained by local authorities or Historic England.There are three main grades of listed building in the UK, each reflecting a different level of significance and protection.

Grade I: Buildings of exceptional interest.

Grade II*: Particularly important buildings.

Grade II: Buildings of special interest.

Owners must obtain listed building consent from their local planning authority before making repairs or alterations. The aim is to preserve the building’s architectural importance and overall historic interest.Because of this, listed property insurance needs to cover full rebuild costs, including specialist materials, traditional labour, professional fees and permissions. Standard home insurance often does not provide this level of protection.Our insurance offers tailored cover for Grade II and other listed homes, with specialist advice and support from experienced surveyors.

What is a listed building?
What is the difference between Grade I and Grade II Listed?

A listed building is one that is officially protected because of its special architectural or historic interest. These properties sit on a statutory list maintained by local authorities or Historic England. There are three main grades of listed building in the UK, each reflecting a different level of significance and protection.

‍

  • Grade I: Buildings of exceptional interest.
  • Grade II*: Particularly important buildings.
  • Grade II: Buildings of special interest.

‍

Owners must obtain listed building consent from their local planning authority before making repairs or alterations. The aim is to preserve the building’s architectural importance and overall historic interest.

‍

Because of this, listed property insurance needs to cover full rebuild costs, including specialist materials, traditional labour, professional fees and permissions. Standard home insurance often does not provide this level of protection.

‍

Our insurance offers tailored cover for Grade II and other listed homes, with specialist advice and support from experienced surveyors.

‍

A listed building is one that is officially protected because of its special architectural or historic interest. These properties sit on a statutory list maintained by local authorities or Historic England.There are three main grades of listed building in the UK, each reflecting a different level of significance and protection.

Grade I: Buildings of exceptional interest.

Grade II*: Particularly important buildings.

Grade II: Buildings of special interest.

Owners must obtain listed building consent from their local planning authority before making repairs or alterations. The aim is to preserve the building’s architectural importance and overall historic interest.Because of this, listed property insurance needs to cover full rebuild costs, including specialist materials, traditional labour, professional fees and permissions. Standard home insurance often does not provide this level of protection.Our insurance offers tailored cover for Grade II and other listed homes, with specialist advice and support from experienced surveyors.

get a quote

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.

Get a quote
01

Answer a few questions

Tell us about yourself, your home and what you are looking for.
02

Review your quote and conditions

Review your quote and any conditions of cover.
03

Accept your quote

Accept your quote and pay. That’s it.
Get a quote

Frequently asked questions

Insurance can be complicated and hard to understand, these are some of our most common questions.

Go to FAQs
What does rivr do?

Rivr is an insurance broker that provides a simple, digital solution for people to buy home insurance that is designed for higher value homes and their contents.

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We are focused on providing the best level of service, whilst ensuring that you have the correct level of cover, and get it quickly.

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How does rivr differ from other insurance brokers?

Simply put, rivr is the only UK broker where you can buy and manage high-value home insurance entirely online. We combine top-tier cover, designed specifically for higher-value homes, with a fast, seamless digital experience, without the need for long phone calls or paperwork.

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Unlike standard online insurers, we evaluate every submission to ensure your policy truly fits your needs. It’s the perfect blend of technology and tailored service.

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Is rivr financially regulated?

Yes. Rivr is authorised by the Financial Conduct Authority (FCA) under registration number 1000665.

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Rivr is an Appointed Representative of Innovative Risk Labs, which is fully authorised and regulated by the FCA.

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You can verify our authorisation by visiting the FCA Register.

Who insures the policy?

Your policy is underwritten by two highly rated insurers:‍

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‍Buildings, Contents, and Liability cover‍

HDI Global Specialty SE (German insurer, A+ credit rating)

Authorised and regulated by BaFin (Germany), and by the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA) in the UK (FRN: 659331)

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‍Legal Expenses and Home Emergency cover

AmTrust Specialty Limited (US insurer, A- credit rating)

Authorised and regulated by the PRA and FCA in the UK (FRN: 202189)

Registered Office: Exchequer Court, 33 St Mary Axe, London EC3A 8AA

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Both insurers are financially strong and fully regulated, providing you with reliable and secure coverage.

How can I reach you?

You can contact us in the way that suits you best:

Email: hello@rivrcover.com

Chat: Send us a message through our online chat

Call: Schedule a call with a member of our team here

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We’re always happy to help.

How long does it take to get a quote?

You can usually get a quote in around 5 minutes using our online form. For most clients, you can get a quote, review your cover, and pay online, all within minutes.

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In some cases, we may provide an indicative quote, which simply means your application needs a little more attention from our team. 

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We aim to be in touch within one working day, and most clients are fully insured within 3 days if we have some follow-up questions (slightly longer if submitted over a weekend or bank holiday).

Can I buy my cover over the phone?

Our online quotation process is super intuitive and fast, but if you prefer you can schedule a call to discuss your needs, and we can get a quote for you. You can schedule a call with a member of our team by emailing hello@rivrcover.com.

Do you charge any additional fees?

In short, no. we don’t charge any admin, cancellation, or mid-term adjustment fees.

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Unlike many other brokers, we believe in transparent pricing. What you see is what you pay.

How can I pay my premium?

You can choose to pay your premium annually or monthly.

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Annual payments: Pay securely online using any major debit or credit card.

Monthly payments: Spread the cost of your premium over 10 monthly instalments through our finance partner, Bexhill. This option carries an interest rate of 7%, equivalent to an APR of 16.07%.

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Currently, monthly payments need to be set up over the phone, as we’re required to read a short regulatory script. We’re working to make this fully online soon.

How long is a quote valid for?

A quote is valid for 30 days from the date it is issued.

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Products
High Value Home Insurance
High Value Contents Insurance
Specialist Buildings Insurance
Contents Coverage
Watch CoverFine Art CoverHigh Value Contents CoverJewellery CoverGold Coin CoverFine Wine CoverHigh Value Contents Cover
Buildings Coverage
Listed BuildingsHigh Value HomesLarge HomesHigh Net Worth Homes
Contact
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Rivr Cover
Registered Address: 124 City Road, London, EC1V 2NX
Rivr is a trading name of Rivr Cover Limited which is registered in England and Wales under company number 14104261. Rivr Cover Limited is an Appointed Representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority with firm reference number 609155.
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Regulated by the FCA | Underwritten by A Rated insurers