Your home and contents are one of a kind. Your cover should be too.
At Rivr, every policy is built around the reality of your home and life, not the other way around.
Individually underwritten policies
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Individually underwritten policies
Cover shaped by your life
We use the information you provide to create cover that reflects your home, your possessions and your circumstances.
Relevant to your needs
The plan takes account of how you live and the risks most important to you.
Not one-size-fits-all
Your policy is configured around your details rather than drawn from a standard template.
Higher limits, fewer restrictions
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Higher limits, fewer restrictions
Cover your home and belongings under one comprehensive policy, with generous limits designed for high-value lifestyles.
Higher single-item limits
No need to list and specify every individual possession under £25,000.
Blanket cover for everyday valuables
Protection for items such as bikes, sports equipment and electronics.
One policy, not multiple
Avoid piecing together separate policies or buying additional top-up cover.
Comprehensive, All-Risks cover
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Comprehensive, All-Risks cover
Broad protection designed to reflect how you actually live - at home and wherever life takes you.
Accidental damage as standard
Cover for the everyday incidents that can happen in and around your home.
Worldwide protection
Your valuables remain covered when you travel.
Automatic cover for new purchases
Newly acquired items are protected straight away, subject to the policy terms.
"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."
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.
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
Our insurance
Get started online in minutes. No paperwork.
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.
