High-value insurance has traditionally meant paperwork, delays and broker bottlenecks.
At rivr, we use technology to remove that friction and give you speed, clarity and control, while our experts remain accountable for decisions.
Insurance reimagined for the modern homeowner
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Insurance reimagined for the modern homeowner
Delivering digital insurance with the human touch
Intelligent Quotes in Minutes
Full 24/7 Online Control
Direct Access to Experts
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.
"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."
Our insurance
Get started online in minutes. No paperwork.
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.
Answer a few questions online
We review your cover and share a quote
Confirm and manage your policy online
Frequently asked questions
Insurance can be complicated and hard to understand, these are some of our most common questions.
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.
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.
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.
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.
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.
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).
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.
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.
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.
A quote is valid for 30 days from the date it is issued.
