specialist insurance that matches your lifestyle
Designer handbag collections rarely fit neatly inside standard home insurance limits. With Rivr, Hermès Birkins, Chanel Classic Flaps and other coveted pieces sit under one high value contents policy, with cover that follows your bags at home, in secure storage and when you travel.
high value contents insurance tailored for collectors
no need to itemise every handbag
Insure designer handbags without listing each one. Flexible protection for items in safes, exhibitions, or with postal couriers.
beyond your display case
Your handbags are protected worldwide, including at home, in storage or in transit. All-risks cover includes theft, loss and accidental damage.
tailored for serious handbag collectors
Insure your handbags alongside your general contents with no limits. Rivr's contents insurance is designed as a simple solution to protect your handbags.
specialist cover safeguarding your entire collection
Choose specialist cover designed for true collectors. Rivr handbag insurance sits within a high value home and contents policy and can protect your entire collection under one structure, not just a single piece. A clear level of cover applies at home, in secure storage and while handbags are in transit for insurance purposes.
Your handbags are covered worldwide for theft, accidental loss and damage. Newly purchased bags are financially covered for up to 60 days, provided you tell us within 60 days of acquiring them. This means you are protected at the point of purchase and have time to arrange valuations and notify us.
Where a professional valuation exists, claims are considered in line with that valuation and your policy terms, including replacement cost where applicable. Specified items can sit alongside unlisted pieces so prized possessions and everyday favourites remain under one policy.
Manage your home insurance policy online. Upload valuations, review documents and keep the value of your items current with clear, transparent information. Advisors explain specialist policies and policy terms, so you can make decisions with confidence.
your cover
Your designer bags are covered while they’re at home and worldwide. They are also protected during a home move when handled by professional removal companies, including short-term storage as part of the move.
From everyday favourites to rare editions, your collection is covered under a single home insurance policy within your selected contents sum insured.
Your prized handbags can all be covered within your overall contents sum, with the option to specify any particularly valuable pieces.
You’re covered from day one. Newly purchased handbags are automatically included for 60 days (up to 25% of your contents sum insured), giving you time to let us know so your policy can be updated.
Where a professional valuation exists, claims may be settled up to 150% of the specified amount, reflecting eligible market appreciation.
We make insuring your handbag collection simple. Your bags are covered under your chosen contents sum insured, with the option to specify any standout pieces if you wish.
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 we offer
Get started online in minutes. No paperwork.
High Value buildings, contents and valuables in one policy.
Specialist cover for your contents and valuables.
Standalone buildings cover designed for high value homes.
your dedicated client adviser
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.
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faq
Insurance can be complicated. Here are answers to the questions we are asked most.
The policy is insured by two of the largest insurance companies in the world, which are both A- rated for their financial strength. The Buildings, Contents and Liability cover is insured by Accelerant Insurance UK Limited. The Property Emergency and Family Legal Solutions are insured by ARAG Legal Expenses Insurance Company Limited.
Designer handbags aren't just fashion accessories; they’re investment items that can retain or even appreciate in value over time. Brands like Louis Vuitton, Gucci, Hermès, and Chanel produce bags that are often collectible and highly sought-after.
Insurance helps protect you financially in the event of theft, accidental damage, or loss, which can otherwise be very costly to replace.
Yes. New handbags are covered for up to 60 days while you obtain valuations and update your schedule, provided you tell us within 60 days of acquisition. Unspecified items have a per-item limit of £25,000, so higher-value bags should be listed as specified items on your insurance policy schedule.
The general rule is that you may need high-value home insurance if you meet any of the following criteria:
Yes. Contents insurance covers your belongings, not the structure, so set a separate figure alongside your buildings cover. Premiums and limits differ between the two. With Rivr, buildings and contents sit in separate sections, each with its own sum insured and limits.
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3 simple steps
