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Specialist Cover for Historic Homes
You're looking after a piece of history. Let rivr look after the rest.
Listed buildings are part of the story of this country, and the people who choose to live in them are helping to keep that story alive. We know that comes with unique challenges, especially when it comes to cover.
Standard insurance simply doesn't address the unique character, heritage and materials of a listed building. So rivr created insurance that's built around the real complexities of owning a Grade I or Grade II property, not just bolted on as an afterthought
Regulated by the FCA | Underwritten by A Rated insurers
Tailored policies
rivr builds every policy around your unique property and your life. By tailoring cover from the outset, we’re able to provide more comprehensive protection.
- Property-specific underwriting
- Cover shaped around your life
- More accurate, more complete protection
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Digital and online
We're a digital-first insurer, which means you can get a quote, manage your policy, and make a claim - all online, all at a time that suits you. No paper forms, no sitting on hold.
- Quotes in minutes, not weeks
- Manage everything in one place
- No brokers or middle-men
Fast, expert support
Behind rivr’s digital experience is a team of real people who understand listed buildings, specialist risks and heritage-led repairs. Plus, every private client is given their own dedicated client manager who will reply to you within 24 hours.
- Human support when it matters
- Practical, common-sense guidance
- Access to specialists, not generalists
What’s Included: Core Policy Features for Listed Buildings Cover
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Buildings cover for listed homes, accidental damage included
Buildings rebuild cost over £1,000,000
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Cover for architect, surveyor and conservation fees after insured damage
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Costs to meet Government or Local Authority heritage requirements, within policy limits
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Excess waived on eligible large claims over £25,000
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"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
How much does rivr cover?
We insure up to the sum you choose, so your cover reflects the real value of your home and contents
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- Buildings rebuild costs from £1,000,000 to £3,000,000.
- General Contents between £100,000 and £500,000
- Valuables from at least £30,000 up to £500,000
Who
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what we offer
Our insurance
Get started online in minutes. No paperwork.
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get a quote
How rivr's digital high value insurance works
Your policy isn’t generated from a template. It’s shaped around your home and your life from the very first question.
01
Answer a few questions online
Our online questionnaire captures the information we need to build an accurate, tailored quote - including details about your home, valuables and lifestyle.
02
We review your cover and share a quote
Your information is analysed instantly to create a bespoke quote. An experienced underwriter then reviews your policy to ensure it properly protects you.
03
Confirm and manage your policy online
Review your quote, accept and pay securely online. From there, you can access and adjust your cover anytime through your online account.
Frequently asked questions
Insurance can be complicated and hard to understand, these are some of our most common questions.
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.
We are focused on providing the best level of service, whilst ensuring that you have the correct level of cover, and get it quickly.
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.
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.
Is rivr financially regulated?
Yes. Rivr is authorised by the Financial Conduct Authority (FCA) under registration number 1000665.
Rivr is an Appointed Representative of Innovative Risk Labs, which is fully authorised and regulated by the FCA.
You can verify our authorisation by visiting the FCA Register.
Who insures the policy?
Your policy is underwritten by two highly rated insurers:
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)
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
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
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.
In some cases, we may provide an indicative quote, which simply means your application needs a little more attention from our team.
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.
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.
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%.
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.
