High Value Contents Insurance
- High-value contents insurance up to £500,000
- Protect your valuables up to £250,000
- Only individually specify valuables worth over £25,000
- Underwritten by A Rated insurers
why choose us
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.
tailored specialist cover
Truly comprehensive, all risks cover. Insure with confidence.
CONTENTS
Enhanced protection
All risks protection for all of your contents and belongings.
VALUABLES
Worldwide, all risk cover
All your valuables covered worldwide on one policy.
AND MORE
Fast and personal
The speed of digital, with the benefit of dedicated advisors.
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Rivr cover is rated excellent
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What’s covered, and what isn’t
Covered
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Your home's contents
All your home's contents. It is a long list but most things are covered as standard.
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Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
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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.
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Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
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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.
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Accidental damage
The insurer will pay for any damage caused accidentally.
Not covered
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Your excess
Your excess as detailed in your policy schedule.
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Wear and tear
There is no cover for wear and tear, or anything that happens gradually.
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Building works over £100,000
There is no cover for loss or damage resulting from building works that cost more than £100,000.
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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.
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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.
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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.
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.
included as standard
Additional cover, as standard
All of this is included as standard with our buildings, contents, and combined home insurance policies, supporting you whenever you need to make a claim.
Property emergency solutions
Our home emergency cover helps protect against unexpected damage caused by plumbing failures, electrical faults, or broken locks and heating systems.
- £1,500 emergency repair costs for issues like plumbing, heating, electrical faults, and damage to locks, doors and windows
Family legal solutions
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.
- Up to £100,000 to cover legal services and court action, including 24/7 access to legal advice
- Up to £25,000 for legal costs in cases of personal identity fraud
- Legal support for employment, property and other 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.
- Up to £5 million personal liability cover
- Up to £10 million employers liability cover
- Tenant liability up to 20% of the contents sum insured for damage to rented properties
Cover is subject to the terms, conditions, and exclusions. For full cover details please refer to the full policy wording for complete details.
your dedicated client adviser
Digital insurance, with an adviser who knows you
Get an instant quote and manage your policy online, whenever it suits you. When you would rather talk, your dedicated client adviser is there to help you refine your quote, answer questions during your policy and support you through a claim.
- Phone
- Chat
complete flexibility
Easy 24/7 online access
You can manage your policy completely online.
Access your policy documents and manage your cover.
faq
Frequently asked questions
Insurance can be complicated. Here are answers to the questions we are asked most.
What is high-value contents insurance?
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.
Do I need high-value contents insurance?
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.
How much does high-value contents insurance cost?
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.
What are my contents?
Your contents includes all household goods and personal possessions, such as:
Clothing and personal property
Audio and visual equipment
Pedal cycles
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
Tenants’ fixtures, fittings, and interior decorations
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.
How much contents cover do I need?
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.
Are there single item limits on my 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.
Is accidental damage covered?
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.
Are my personal possessions covered worldwide?
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.
Can I get jewellery and watches cover only?
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.
Do I need to list my bikes on my 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.
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- 1 Tell us about your home
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