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High-value cover, built around you
From stunning townhouses to listed buildings in rural areas, Gerrards Cross properties demand more than standard insurance. rivr provides high-value home insurance as one combined policy for buildings and contents. Jewellery, watches and artwork are covered worldwide, with the need only specify valuables above £25,000.
Across the Gerrards Cross community and wider Buckinghamshire, we serve clients who value a quick process that fits their lifestyles. That's why we're digital-first. Get an instant insurance quote, secure account access to your policy documents, and personalised guidance when you need it.
Regulated by the FCA | Underwritten by A Rated insurers
Tailored home insurance for Gerrards Cross residents
From Layter's Green to Bulstrode Park to Fulmer Road, we give Gerrards Cross homeowners the security they deserve.
rivr combines contents and buildings into a single plan, so you can avoid juggling multiple insurance products while still benefiting from a wide range of cover options. This flexibility ensures you always have the right cover for your property, its collections, and the lifestyle you want to maintain.
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One policy, not multiple
Higher limits
Bespoke cover
Tailored home insurance for Gerrards Cross residents
From Layter's Green to Bulstrode Park to Fulmer Road, we give Gerrards Cross homeowners the security they deserve.
rivr combines contents and buildings into a single plan, so you can avoid juggling multiple insurance products while still benefiting from a wide range of cover options. This flexibility ensures you always have the right cover for your property, its collections, and the lifestyle you want to maintain.
One policy, not multiple
Higher limits
Bespoke cover
Digital cover with the human touch
Buy and manage your cover online, with an advisor on hand to ensure you are properly protected. Our insurance services are designed for speed and clarity, so it is easy to adjust limits or make changes as life evolves. We believe the best service is delivered through technology, whilst retaining the human touch.
Clear policy documents keep everything transparent, and our friendly team is available to talk through options. We make home insurance simpler for you and your loved ones.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
Digital cover with the human touch
Buy and manage your cover online, with an advisor on hand to ensure you are properly protected. Our insurance services are designed for speed and clarity, so it is easy to adjust limits or make changes as life evolves. We believe the best service is delivered through technology, whilst retaining the human touch.
Clear policy documents keep everything transparent, and our friendly team is available to talk through options. We make home insurance simpler for you and your loved ones.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
Specialist and dedicated claims team
We understand that this is the service you are paying for. We coordinate across your insurance policies and related insurance products, so the right cover performs as intended when it matters. From first notification to settlement, we keep admin light and progress the claim as quickly as possible.
If something happens, tell us and we will guide the process, gather details, and agree next steps promptly. You will know what is covered and what we need from you at each stage.
Dedicated handler
Specialist claims team
Fast payout
Specialist and dedicated claims team
We understand that this is the service you are paying for. We coordinate across your insurance policies and related insurance products, so the right cover performs as intended when it matters. From first notification to settlement, we keep admin light and progress the claim as quickly as possible.
If something happens, tell us and we will guide the process, gather details, and agree next steps promptly. You will know what is covered and what we need from you at each stage.
Dedicated handler
Specialist claims team
Fast payout
Truly comprehensive, all risks cover. Insure with confidence
Worldwide, all risks 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.
Protecting high-value homes in Gerrards Cross
Gerrards Cross is known for substantial detached houses on generous plots, quiet tree lined avenues, and high specification refurbishments. Many properties hold valuable collections alongside high-spec interiors. That's where we come in.
At rivr, we specialise in protecting what matters. Our high value home insurance is built for owners who need more than a standard policy. It recognises the true worth of your home, your contents, and the collections you have built over time.
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
Worldwide cover for all bicycles and any sports equipment as standard.
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. With a dedicated specialist claims team if the worst happens and your advisor is available anytime to support you.
Answer a few questions
Review your quote and conditions
Accept your quote
Frequently asked questions
Yes we do insure most buildings that are made of non-standard materials like timber or wattle and daub, but these are evaluated on a case by case basis.
High value home insurance is designed for homes and contents that exceed standard limits. It typically offers:
- Higher buildings sums insured and single item limits for jewellery, fine art and collections.
- Broader cover as standard, often including accidental damage and worldwide protection.
- Specialist underwriting for complex or listed construction, plus risk management guidance.
- Higher alternative accommodation limits and dedicated claims handling.
Standard policies have lower limits, narrower cover, and rely on add-ons.
It is a specialist home insurance arrangement for high value homes. It widens limits and home insurance cover across buildings and contents, often including worldwide cover and broader accidental damage. Standard home insurance usually sets lower single item limits, with policies that may exclude bespoke finishes unless optional sections are added.
Yes. We can insure Grade I, Grade II* and Grade II listed homes in England and Wales, as well as Category A, B and C listed properties in Scotland.
No. We’re not an independent insurance broker based in Kent and we don’t run a local branch. rivr arranges and administers home insurance policies online as an FCA-regulated Appointed Representative, with cover underwritten by A-rated insurers. You can start an insurance quote and read the policy documents before you buy.
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.
