We’ve redesigned insurance, so that it works for you
Insurance is traditionally complicated, opaque and time-consuming. We have redesigned it so that it works for you. Whether it’s your home, jewellery or artwork, you can have the peace of mind that it’s covered under a single policy.
Regulated by the FCA | Underwritten by A Rated insurers
Truly comprehensive, all risks cover. Insure with confidence.
Worldwide, all risk cover
All your valuables covered worldwide on one policy.
Enhanced protection
All risks protection for all of your contents and belongings.
Fast and personal
The speed of digital, with the benefit of dedicated advisors.
“A simple online application followed up by a telephone consultation to tailor the policy to suit our personal needs. So much easier than any other house and contents insurer I have dealt with, and I feel confident that everything is now properly covered, which is not the case with some of the blanket policies on offer from some insurers.”
What’s covered?
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
Your home's buildings
We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.
Your homes contents
All your home's contents. It is a long list but most things are covered as standard.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Home improvements
Any additions, alterations or improvements are covered up to 25% of your buildings cover.
Accidental damage
We will pay for any damage caused accidentally.
Your home's buildings
We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.
Your homes contents
All your home's contents. It is a long list but most things are covered as standard.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Home improvements
Any additions, alterations or improvements are covered up to 25% of your buildings cover.
Accidental damage
We will pay for any damage caused accidentally.
Building works
If you are carrying out building works on your home, we will cover you up to £75,000, but let us know if it's going to cost more than this.
New purchases
Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.
Emergency access
We will pay for damage due to forced entry during a medical emergency or to prevent damage to your home.
Bike and sports equipment
Your bicycles and sports equipment are covered anywhere in the world as part of your contents cover, protecting against theft, accidental loss and damage at home or while travelling.
Lock replacement
We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys with no excess applied.
Preventative measures
We will pay up to £2,500 for costs you incur in taking reasonable temporary preventative measures to protect your home from damage caused by a storm or flooding.
Fine art and antiques market appreciation
If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.
Death of an artist
If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.
Locating the source of a leak
We will cover the cost of locating a leak from fixed water tanks, apparatus and pipes.
Alternative accommodation
If you can't live in your home for up to 3 years due to some insured damage we will pay for somewhere else for you to live.
Garden cover
We will pay up to £10,000 to restore your garden if it is damaged from certain events.
Office equipment
We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.
Precautionary repairs
We will pay up to £1,000 for repairs that prevent further loss or damage after a flood or a leak.
Cover during the sale of your home
We will cover damage to your home between the exchange of contracts and completion.
Outdoor items
We will pay up to £2,500 per item for garden furniture, statues, barbecues and items that live outside.
Small vehicles
We will pay up to £5,000 per claim for land vehicles like lawnmowers, quad bikes, and Segways.
Tree removal
We will pay up to £2,500 to remove fallen trees blocking your main car access to your home.
Fees, expenses & debris removal
We will pay for architect, surveyor, and engineer fees and site clearing and costs.
Boats and watercraft
We will pay up to £5,000 for watercraft like dinghies, surfboards and small boats.
Storage
We will pay up to 25% of your contents sum insured for loss or damage to your belongings that are kept in storage. Limited to certain events.
Fatal injury & disability
We will pay up to £50,000 for fatal injuries as a result of a fire or burglary at your home and up to £15,000 for any necessary building alterations as a result of your injuries.
Forced eviction
If public authorities deny you access due to nearby damage, we will cover the costs of alternative accommodation costs for up to 30 days.
Reward
We offer up to £5,000 as a reward to anyone who helps catch and convict anyone who caused a claim under this insurance through illegal actions.
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
What’s not covered?
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
Your excess
Your excess as detailed in your policy schedule.
Wear and tear
There is no cover for wear and tear, or anything that happens gradually.
Building works over £75,000
There is no cover for loss or damage resulting from building works that cost more than £75,000.
General maintenance and decoration
There is no cover for general maintenance and decoration costs.
Existing and deliberate damage
There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.
Loss of value and indirect losses
There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.
Your excess
Your excess as detailed in your policy schedule.
Wear and tear
There is no cover for wear and tear, or anything that happens gradually.
Building works over £75,000
There is no cover for loss or damage resulting from building works that cost more than £75,000.
General maintenance and decoration
There is no cover for general maintenance and decoration costs.
Existing and deliberate damage
There is no cover for loss or damage occurring outside your period of insurance, or caused intentionally or through criminal acts by you.
Loss of value and indirect losses
There is no cover for any decrease in value as a result of a repair or replacement, or any loss not directly related to a valid claim.
Defective design, breakdowns and faults
There is no cover for any loss, damage or liability as a result of design flaws, workmanship, or mechanical and electrical faults or breakdowns.
Let properties and business use
There is no cover for any loss, damage or liability from any part of your home that is let or is used for business purposes.
Confiscation
There is no cover for loss, damage or liability from confiscation or holding your property from officials or authorities.
Unoccupied homes
There is no cover for losses when your home is unoccupied for over 45 days, and certain precautions listed in the policy wording have not been taken to safeguard your home and heating system during certain periods.
Warping or shrinkage
There is no cover for loss or damage due to warping or shrinkage.
Theft from unlocked and unattended vehicles
There is no cover for items stolen from an unattended vehicle are only covered if force and violence were used to gain entry. Additionally, the items must have been hidden from view or locked in the boot or glove box.
Lost deliveries
There is no cover for undelivered goods or services purchased online.
Loss of value from repairs
There is no cover for loss of value to contents following repair, replacement, or reinstatement.
Blocked drains and pipes
There is no cover for costs to clear blocked sewer pipes, drains, pipes or underground tanks unless damaged from an insured event.
Damage to items during transportation
There is no cover for items improperly packed or secured during transport.
Pollution and contamination
There is no cover for loss, damage or liability from pollution or contamination except in specific circumstances listed in the policy wording.
Nuclear and radioactive hazards
There is no cover for loss or damage or any legal liability from radioactive materials or nuclear components, or from potentially catastrophic events like radiation leaks.
Damage or liability from malicious gun use
There is no cover for damage or liability from intentional or malicious use of guns is not covered.
War and terrorism
There is no cover for direct or indirect damages resulting from war, civil disturbances, or terrorist acts.
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
Additional cover, as standard
All of this is included as standard with our buildings, contents, and combined home insurance policies, meeting the needs of your mortgage lender, and supporting you whenever you need to make a claim.
Home emergency cover
Our home emergency cover helps protect against unexpected damage caused by plumbing failures, electrical faults, or broken locks and heating systems.
Family legal protection cover
Our family legal protection covers the cost of legal advice and representation, with up to £100,000 for legal expenses relating to property, employment or consumer disputes.
Your liabilities cover
Covers property owner, personal and employer’s liability up to £10 million, helping protect you against legal claims if someone is injured or their property is damaged.
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.
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
Frequently asked questions
You may need high-value home insurance if your property or possessions exceed standard cover limits. Generally, this usually applies if:
- The rebuild value of your home is over £1 million.
- Your general contents are worth more than £100,000.
- Your valuables (such as jewellery, watches, or art) total more than £30,000.
High-value home insurance is designed to provide broader protection and flexible limits for clients with higher rebuild costs and collections of valuable items.
The cost of high-value home insurance depends on a number of factors such as the level of cover you choose and specific risks associated with your property, like flood or theft.
Premiums are generally higher than standard insurance due to the increased value insured, but they provide broader protection, higher limits, and more comprehensive cover than standard policies.
Combined buildings and contents insurance protects both the structure of your home and the possessions inside it under a single policy. It means you’re covered if your home is damaged by events such as fire, flood, or storm, and if your belongings are lost, damaged, or stolen, all under one single policy.
Your cover depends on the type of policy you buy - Combined Home Insurance (Buildings and Contents combined), Contents Insurance, or Buildings Insurance. For full details, please refer to the policy wording, which explains exactly what you are covered for, any exclusions, and inner limits.
We also provide summary guides on our product information pages for home, contents, and buildings insurance. These summaries highlight the main features of your cover but do not include every detail.
All Risks cover provides broader protection than a standard home insurance policy. It typically covers your personal possessions and valuables both at home and worldwide, including accidental damage.
Some exclusions still apply, such as wear and tear or mechanical breakdown, so it’s important to review your policy wording for full details and limits.
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.
To calculate your premium we take into consideration a number of things. Details about your home, its location and other factors that influence any associated risk. This is then coupled with what you are insuring. Together this drives your insurance premium.
‘New for Old’ means that if an item is lost, stolen, or damaged beyond repair, we cover the cost to replace it with a new item of the same type and quality, rather than its current or second-hand value. For example, if your five-year-old sofa is damaged, you would receive enough to buy a brand-new equivalent sofa, not just what your old one might be worth today.
Because our cover is based on replacement value, it can sometimes cost more than expected to replace everything on a new-for-old basis. This is why it’s important to regularly review your sums insured to ensure they reflect today’s prices.
At rivr, all contents and valuables are insured on a new-for-old basis to make sure your home and possessions are fully protected.
We don’t offer unlimited cover. Our policies are based on a specified Sum Insured, which should reflect the full cost to rebuild your home, including any specialist requirements if the property is listed.
Some insurers do offer ‘unlimited’ cover, but it’s rarely truly unlimited. It still usually depends on an accurate rebuild valuation and the property details you provide. In most cases, the protection ends up being very similar, it’s simply presented in a different way.
By setting a clear Sum Insured, we make sure your cover is transparent, accurate, and tailored to your home.
An indicative quote gives you an initial estimate of your premium, but means that we need to review your application in more detail before confirming your cover.
Here’s what happens next:
Submit your quote - Make sure you submit the indicative quote to our team so we can start reviewing your application.
Review process - Every home is unique, so we evaluate each application individually. We’ll usually contact you within one working day to request any additional information.
Underwriting decision - Once we have all necessary information, our underwriting partner Bspoke will confirm your premium and any conditions. This process typically takes a maximum of three days.
Accepting your quote - After review, we’ll send you a payment link. Once paid, your policy starts on your selected start date, and you’ll receive your policy documents.
Important: Your indicative quote may change (increase or decrease) after review.
