We have redesigned high value insurance. rivr is built for you. Making it simpler and easier to get good cover, tailored to you.
Tailored cover designed to give you confidence
Our cover has been designed to offer those with high value homes and contents the level of protection they require.
We offer greater flexibility and broader coverage to give you the peace of mind insurance should bring.
One policy, not multiple
Higher limits
Bespoke cover
Digital insurance with the human touch
Buy and manage your cover online, with the benefit of an advisor on hand to provide assistance and ensure that you are properly protected.
We believe that the best service is delivered through technology, whilst retaining the human touch.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
Transparent and fair pricing
Value is important in insurance. It’s the relationship between price, service and cover.
rivr aims to deliver good value to our customers with a fair price but excellent service and cover.
Fair premium
Transparent renewals
No fees
Specialist and dedicated claims team
We understand that this is the service you are paying for. We offer a caring and compassionate service provided by our specialist claims team.
Our team works with you to ensure that the claim is agreed and settled as quickly as possible.
Dedicated handler
Specialist claims team
Fast payout
Tailored cover designed to give you confidence
Our cover has been designed to offer those with high value homes and contents the level of protection they require.
We offer greater flexibility and broader coverage to give you the peace of mind insurance should bring.
One policy, not multiple
Higher limits
Bespoke cover
Digital insurance with the human touch
Buy and manage your cover online, with the benefit of an advisor on hand to provide assistance and ensure that you are properly protected.
We believe that the best service is delivered through technology, whilst retaining the human touch.
Get a quote in 5 minutes
Fully digital
Dedicated advisors
Transparent and fair pricing
Value is important in insurance. It’s the relationship between price, service and cover.
rivr aims to deliver good value to our customers with a fair price but excellent service and cover.
Fair premium
Transparent renewals
No fees
Specialist and dedicated claims team
We understand that this is the service you are paying for. We offer a caring and compassionate service provided by our specialist claims team.
Our team works with you to ensure that the claim is agreed and settled as quickly as possible.
Dedicated handler
Specialist claims team
Fast payout
Our insurance
Get our simple, and fast, high-value home and contents insurance to protect the world you’ve worked hard to build.
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
Super quick and easy process. Filled in details online, got an instant quote, no back-and-forth. Best part - cheapest option with great cover, and Apple Pay payment.
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.
I needed bespoke cover, and Rivr delivered with ease. The website was quick, no long calls, and Will’s advice even reduced my premium. Highly recommend.
Clear, good-value cover with fewer restrictions than others. Rivr’s website explains policies well, and Will’s support was excellent—quick to answer queries and provide reassurance before purchasing.
Great personal service from Will. The process was simple, straightforward, and hassle-free. No unnecessary complications, just efficient cover. I’d definitely recommend Rivr to others needing insurance.
Rivr provided a competitive, transparent quote after my insurer hiked prices. Will’s expertise made switching seamless. A smooth process from start to finish and would highly recommend their service.
Will made high-value home insurance easy. His expertise, clear advice, and tailored approach secured great cover at a lower price. Outstanding service, highly recommend speaking with him.
Rivr was transparent, easy to use, and offered great customer communication. The quote was competitive, and the process was smooth from start to finish. Excellent experience.
Frequently asked questions
Insurance can be complicated and hard to understand, these are some of our most common questions.
Yes, if the damage was caused by a sudden and severe autumn storm, most UK home insurance policies will cover both the roof and any resulting internal damage. This includes events like high winds, heavy rain, or falling debris.
With rivr, storm and severe weather cover is included as standard. Your roof is protected against sudden storm damage, provided the storm meets policy conditions and your property has been properly maintained. However, leaks caused by wear and tear, ageing materials, or poor maintenance are not covered.
Always check your policy wording and document the storm event and damage thoroughly before making a claim.
Yes. Rivr home insurance includes cover for storm and severe weather damage as standard, up to your policy’s sum insured. Buildings are covered up to £3,000,000 and contents and valuables up to £500,000, depending on the level of cover you choose.
This is particularly important for high-value homes, which often have unique structural features and valuable possessions. Having the right cover in place helps protect you from large repair bills and replacement costs if a storm causes damage.
An act of God generally means a natural event beyond human control, such as hurricanes, floods, earthquakes or severe storms. Although many modern UK insurance policies do not use the term literally, these events are usually covered under the listed insured risks in your policy.
Insurers will expect proof that the storm directly caused the damage and that the property was maintained properly, as neglect or pre-existing damage can affect claims.
In the UK, the responsibility for repairing storm damage usually falls to the homeowner or landlord. Owners are expected to keep the property in good condition to minimise avoidable damage.
Buildings insurance generally covers the cost of repairing structural storm damage, while contents insurance covers damage to personal belongings inside the home.
Yes. Most standard buildings and contents insurance policies in the UK include cover for sudden or unexpected weather events such as storms.
This means you can usually claim for damage caused by high winds, heavy rain, hail or falling trees, provided the property has been properly maintained and not left in disrepair.
