We’ve redesigned insurance, so that it works for you
Insurance is traditionally complicated, opaque, and time-consuming, but we’ve redesigned it so that it works for you. Whether it’s your home, jewellery, artwork, or other valuable belongings, you can have the peace of mind that it’s all covered under a single, flexible contents insurance policy.
With Rivr, contents insurance is clear, convenient, and tailored to your lifestyle. We protect what’s inside your home (from furniture and electronics to personal collections and sentimental pieces) with a level of care that reflects their true value.
Curious about how much contents insurance might cost? Our platform makes it easy to get a contents insurance quote in just a few minutes. You’ll see exactly what your premium covers, with no hidden fees or confusing terms. We believe insurance should work for you, not the other way around.
Discover how simple and transparent contents insurance can be, and get the right protection for everything that makes your house a home.
Regulated by the FCA | Underwritten by A Rated insurers
Truly comprehensive, all risks cover. Insure with confidence.
Enhanced protection
All risks protection for all of your contents and belongings.
Worldwide, all risk cover
All your valuables covered worldwide on one policy.
Fast and personal
The speed of digital, with the benefit of dedicated advisors.
“Although I only wanted Contents Insurance it seems the amount of cover I required for Jewellery & Watches exceeds the limit offered by most insurers. A search brought up rivr who were able to meet my needs and Sasha was very helpful in responding to my questions and ensuring the bespoke quotation offered met all my needs - the fact that rivr's Policy is All Risks upto the sums insured anywhere in the world is an especially attractive feature”
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 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.
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.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
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.
Accidental damage
We will pay for any damage caused accidentally.
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.
Accidental damage
We will pay for any damage caused accidentally.
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.
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.
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 or cover your rent if you rent your home.
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.
Replacement locks
We will pay for costs to replace locks on external doors, alarms, and safes after the loss or theft of your keys.
Office equipment
We will pay up to £20,000 per claim for office equipment, and £10,000 for business stock.
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.
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.
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.
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.
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.
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 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
High-value contents insurance provides a more comprehensive level of protection than standard home insurance. It’s designed for homes with a higher standard of finish and valuable personal possessions, such as luxury or antique furniture, fine art, jewellery, and high-end electronics. The cover is tailored to reflect the true value of your belongings and lifestyle.
You may need high-value contents insurance if the total value of your possessions goes beyond standard policy limits. The general rule for this usually applies if:
- Your contents are worth over £100,000
- Your valuables (such as jewellery, watches, or art) together exceed £30,000.
The cost of high-value contents insurance depends on several factors such as the total value of your possessions, the level of cover you choose, and specific risks like theft.
Premiums are typically higher than standard insurance due to the increased value, but they provide broader protection and higher limits to ensure your possessions are fully covered.
Your contents includes all household goods and personal possessions, such as:
Clothing and personal property
Audio and visual equipment
Pedal cycles
Tenants’ fixtures, fittings, and interior decorations
Golf buggies, electric wheelchairs, Segways, models, and battery-operated or remote-controlled toys
Motorcycles up to 50cc
Credit cards and money (including charity funds with no other insurance)
Office equipment
Outdoor items and sports equipment
Saddlery and tack
Trailers and horseboxes used solely on your property
What is not included:
Motor vehicles (except those listed above)
Boats or watercraft (except those defined under watercraft)
Caravans, aircraft (including model aircraft, gliders, drones, etc.), and their parts/accessories
Living creatures
Any part of the buildings
Items used in connection with a business (except as defined under office equipment)
This helps you understand exactly what is covered under your contents sections of the policy.
You should have enough cover to replace everything in your home, including items you take out with you. A good approach is to walk through your home room by room and estimate the value of everything as per room (both visible and stored items). This includes:
Furniture, curtains, and rugs
Electronics (phones, laptops, TVs, etc.)
White goods, cutlery, crockery, pots & pans
Clothing, shoes, books, trinkets, and sports equipment
Think in terms of a worst-case scenario. What would it cost to replace everything today?
Important: Valuable items such as jewellery, watches, fine art, antiques, collectibles, and guns are not included in the general contents sum insured, these items are covered under a separate section of the same policy.
There is no single item limit for your general contents. Everything is covered up to your total contents sum insured, so you don’t need to list individual items.
For valuables (Jewellery, watches, art, collections etc), there is a single item limit of £25,000, which is intentionally high so you don’t have to declare every item individually! Any valuable item worth more than £25,000 must be declared separately to ensure it is fully covered. This applies only to valuables, not your general contents.
Yes. All rivr policies are All Risks, meaning accidental damage is automatically included as standard. Unlike many other policies, you don’t need to add extra cover for accidental damage. It’s already built in to protect your home and belongings.
Yes. As an All Risks policy, rivr provides worldwide cover for all personal possessions, including any jewellery and watches, as a standard part of your policy. You don’t need to add extra cover for this!
Cover is provided up to the sums insured you have declared, giving you peace of mind that your high-value belongings are protected wherever you take them.
No. We don’t offer standalone jewellery or watch insurance. However, we can cover jewellery, watches, and collections as part of a full home insurance policy or a contents-only policy.
This approach allows you to have all your valuable items and home contents protected under one policy, which can be simpler and sometimes more cost-effective than purchasing separate jewellery or watch cover alongside a standard home insurance policy.
No! Unlike many other insurance policies, bikes are included automatically as part of your general contents sum insured. This means you don’t need to specify them individually, no matter their value.
This is just one of the ways our policy is designed to be simple and hassle-free, while still providing full protection for your high-value home and possessions.
