mobile phones, laptops, tablets & more
Cover mobiles, laptops, tablets, cameras and other everyday tech under one high value contents policy from rivr. Worldwide all-risks protection follows your devices at home, on the move and abroad, with a single policy you can manage in one place.
more than a standard gadget insurance policy
protect your valuable electronic devices
Mobile phones, laptops, tablets and electronic devices protected under one contents policy.
real-world gadget cover for everyday life
Use your tech at home and away; worldwide cover for accidental damage, theft and loss, subject to policy exclusions
fast & personal
Easy claims with our UK team. We’ll arrange repairs or replacements where appropriate, and your schedule shows the excess that applies.
tailored cover for valuable items
Clear evidence helps your gadget insurance work quickly. Keep receipts or invoices, photos and serial numbers. For mobile phones you may be asked for the IMEI. This supports claims for loss, theft and accidental damage and keeps valuations accurate.
Many home insurance policies use low sub-limits for electronic devices away from home or in transit. That can leave mobile phones and other valuable electronic devices underinsured.
Standard mobile phone insurance can also have tight limits such as device age restrictions, loss cover exclusions and per device excesses.
With Rivr your gadgets sit under contents with worldwide cover and clear terms.
Your devices travel between home, office and trips. Our gadget cover follows you with loss, theft and accidental damage covered worldwide, subject to your schedule and exclusions.
You can add more than one gadget under one policy. New purchases are covered automatically for 60 days so you can update your schedule and keep sums insured aligned.
If you make a claim our UK team will confirm eligibility and arrange repair or replacement where appropriate. Your schedule shows how much excess applies.
your cover
From smart phones to games consoles, our contents cover protects your electronics, up to your selected contents sum insured (which can be as high as £500,000). You don’t need to list each item individually unless they are part of a collection.
Your personal electronics and gadget are covered worldwide for theft, accidental loss, and accidental damage. If you’re moving home, they’re also protected during removal and transit by professional movers.
Your contents cover starts from day one and includes any new gadgets you purchase. Newly acquired items are automatically covered for 60 days (up to 25% of your contents sum insured), giving you time to tell us so your policy can be updated.
All your technology and gadgets are covered under your chosen contents sum insured. During a home move, your items are covered while in transit and for short-term storage when handled by professional removal companies.
Claims are settled up to the amount shown on your schedule, including any policy or single-item limits, ensuring your gadgets are covered in line with your policy terms.
We’re here to make things easy. Your technology is covered worldwide under your contents policy, and new purchases benefit from 60 days of automatic cover. If you ever need to make a claim, our team will guide you through what we need and how the process works.
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.
Often yes if you rely on high value devices or use them away from home. gadget insurance can add loss cover, protection for theft and accidental damage, and reduce out-of-pocket replacement costs. Many people place it under contents insurance rather than buying separate mobile phone insurance for every device.
With Rivr your gadget insurance sits under one insurance policy and your schedule shows limits and excess. We do not offer unlimited repairs and will arrange repair or replacement where appropriate.
Often partially at home and sometimes away from home if you add the right options. With Rivr gadgets are insured under contents insurance with worldwide protection shown on your schedule so you can keep phone insurance within one policy instead of separate mobile phone insurance plans.
Check your insurance policy schedule for the excess that applies.
Many policies include covered worldwide benefits but limits and exclusions apply. Always check how loss cover and accidental damage work when you travel.
With Rivr your gadgets are covered worldwide under contents insurance subject to your schedule and wording. For phones we may ask for your network provider and IMEI to help confirm ownership if you make a claim.
Yes. When you make a claim, you’ll need to provide evidence such as original purchase receipts, invoices, photographs, or bank and card statements. Proof of ownership helps confirm value and ownership of your device. For theft or attempted theft, you must notify the police within 24 hours of discovery, obtain a crime reference number, and contact the claims team as soon as possible.
With Rivr, these documents help us verify your gadget insurance policy quickly so we can confirm eligibility and any repair or replacement costs without delay.
Yes. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.
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.
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Determining the value of your home contents is essential for ensuring you have the right level of insurance coverage. Many homeowners underestimate the value of their belongings, which can lead to inadequate insurance and significant out-of-pocket expenses in the event of a loss.
3 simple steps
