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.
Intelligent Quotes in Minutes
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Intelligent Quotes in Minutes
Our digital platform uses the information you provide about your home, belongings and lifestyle to structure a cover plan quickly and clearly.
Built from your details
Your quote reflects the information you give us, rather than relying on broad assumptions.
We never fill in the gaps
If your home, belongings or circumstances require more detail, our team will contact you before cover is finalised.
Designed to save time
Get from initial questions to a quote in minutes, without unnecessary paperwork or broker delays.
Full 24/7 online control
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Full 24/7 online control
Your cover should be easy to understand and manage. Your online account gives you direct access whenever you need it.
Your documents in one place
View your policy information and important documents online.
Make changes when life happens
Update sums insured, add or remove valuables and tell us about changes to your home.
Manage claims online
Submit and track a claim through your account, without waiting for office hours.
Direct access to experts
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Direct access to experts
Modern technology should remove friction, not people. Our specialists remain available whenever you need advice, clarity or support.
Speak directly to the team
Get access to the people arranging and supporting your cover.
Backed by highly rated underwriting partners
Your insurance is arranged with established underwriting partners chosen for their comprehensive policies and specialist expertise.
Technology backed by accountability
Our platform provides speed and control, while real people remain responsible for the service you receive.
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.
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
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.
Rivr is registered as an Appointed Representative 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
Accelerant Insurance UK Limited (UK-based insurance subsidiary, awarded an A- financial strength rating by AM Best).
Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (Firm Reference Number: 207658).
Family Legal Solutions and Property Emergency Solutions
ARAG Legal Expenses Insurance Company Limited (Founded in Germany, awarded an A financial strength rating by AM Best)
Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority, Firm Reference Number: 202106).
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.
Paying by premium finance can be more expensive than paying annually.
A quote is valid for 30 days from the date it is issued.
