specialist fine art insurance UK
Fine art collections deserve more than generic home insurance. With Rivr, paintings, sculptures and mixed media pieces sit under one high value contents policy, built around how art is owned. Digital-first cover that follows your collection at home.
how Rivr protects your fine art collection
no need to list every piece
Your art is protected globally, whether in your residence, at a gallery or in transport. All-risks cover includes damage, theft and loss in transit.
protect your works beyond the home
Insure works individually or under a single total. Items under £25,000 are covered without being specified, making fine art insurance flexible and simple to set up.
designed for long-term collectors
If a recent valuation is in place, then we protect your loss for a further 50% in value if your piece has appreciated since the valaution was carried out.
tailored fine art insurance for private collections
Every high value home insurance policy from Rivr includes tailored art insurance. We provide cover for your most valuable pieces. All-risks protection is included as part of a single home insurance product.
Cover includes:
Each item is assessed to reflect its true worth. Optional extensions may be available depending on your collection and storage conditions.
If you hold a professional valuation, agreed value cover may be applied so claims are settled at the insured amount. Market appreciation up to 150 percent may also apply in line with your policy terms.
Artworks under £25,000 are covered without itemisation. New acquisitions are protected for 60 days, giving you time to obtain a valuation or upload documentation.
Upload valuations, manage your art insurance policy and access documents online. If you need to make a claim, a dedicated handler will coordinate restoration and valuation support.
Proper handling, storage and display can reduce the risk of damage. A key part of risk management, the following tips can help you protect your fine art collections and reduce avoidable damage.
Sculptures and statues
Paintings
Many collectors choose to work with external professionals for packing, installation and restoration. While not part of the insurance policy, these services can help minimise risk. Rivr contents insurance, fine art cover includes protection for partial damage, transit loss and defective title, subject to policy terms.
your cover
Protect your entire fine art collection under one home insurance policy, all covered within your chosen contents sum.
Artworks are covered while at home, and they’re also protected during a home move when transported and temporarily stored by professional removal companies.
Unspecified fine art is covered up to £25,000 per item. Newly acquired pieces are automatically included for 60 days for up to 25% of your contents sum insured.
Where a professional valuation exists, fine art and antique claims may be settled up to 150 percent of the specified amount, reflecting market movements.
You can manage your policy digitally, including uploading valuations and documents when you’re ready to finalise cover.
If your art appreciates in value due to the death of an artist you will still be covered as long as you have a professional valuation in place.
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.
client reviews
faq
Insurance can be complicated. Here are answers to the questions we are asked most.
No. Rivr doesn’t provide risk management directly, but our cover complements the work of professional art specialists. We protect against accidental damage, transit loss, and defective title for eligible items. Together, these protections support both the physical and legal aspects of your collection.
You’ll be guided by a dedicated adviser experienced in handling fine art claims. They help coordinate valuations, guide you through settlement, and ensure your experience is managed with discretion. Your fine art insurance cover includes all-risk protection, including loss or damage in transit.
Our policies are built for private collectors, families and individuals who own fine art as part of their household contents. Cover is suitable for those managing either a few works or a broad range of assets.
While not designed for galleries, optional specialist extensions may apply depending on your collection’s value, format and risk profile.
For pieces with a professional valuation, Rivr offers agreed value protection. If a claim is made, you receive the full insured amount.
The policy also includes protection for up to 150 percent of the insured amount to reflect rising market value, helping ensure each piece remains fully covered even as it appreciates.
Yes. Rivr is digital-first, so you can upload valuations, view your documents and request updates securely online. Our team can also support you with art-specific risk considerations such as storage or transport.
Many insurers require a separate policy or item-by-item listing for art. Rivr includes fine art within your contents cover, with worldwide all-risks protection and no need to list each piece under £25,000. It’s a simpler, more flexible way to insure growing collections.
It depends on your own needs and the items in question. Fine art needs should be insured for its current market value. Rivr’s policy covers loss, accidental damage and worldwide transit, including market-appreciation protection of up to 150% for specified works.
Professional artists often need specialist commercial insurance for their studio, work in progress, and public liability. Rivr’s cover is designed for private collectors rather than professional use.
Specialist art insurance policies cover theft, accidental loss and partial damage in a range of settings, including display, transit and storage. For many private individuals, fine art is protected as part of a broader home insurance policy that includes contents cover.
This is often the most efficient route for protecting an art collection under a single premium. Always check the policy wording to confirm what's included, particularly for high-value or newly acquired pieces.
The cost of art insurance varies depending on the size of your art collection, the individual value of each item, and where it’s stored or exhibited. High-value collections often require a bespoke insurance policy, but many owners are eligible for cover as part of a wider home insurance policy.
Fine art under £25,000 per item is typically covered without needing individual schedules.
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