High Value Jewellery Insurance

Yes. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.

Your contents insurance generally does not cover general wear and tear, unexplained loss without evidence, or theft without forced entry. Items left unattended in public or visible in unlocked vehicles aren’t covered.

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Review your policy wording for your policy to see what is not covered.

Yes. Jewellery and watches should be stored securely when not being worn – ideally in a safe or bank deposit box.

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While Rivr doesn’t set a specific value threshold, insurers expect reasonable care to protect high-value items. Always refer to your policy for full security conditions.

Newly purchased jewellery and watches are automatically covered for 60 days, up to 25% of your contents sum insured. Just send us proof of purchase or valuation and we’ll update your schedule for continued cover.

If a covered item is lost, you’ll receive either a cash settlement or a full replacement based on the agreed value confirmed by your professional jewellery valuation. Rivr covers individual high value items such as engagement rings and watches up to £250,000 in total, ensuring your payout reflects the item’s full worth.

Yes. Rivr’s contents cover includes worldwide cover as standard for jewellery and watches. This includes accidental loss, theft and accidental damage, as long as reasonable precautions are taken to keep them safe.

Only for higher-value pieces. With Rivr, jewellery or watches worth over £25,000 must have a recent professional valuation. For items below that, it’s not required but still recommended to help support any future claim.

Yes. Rivr includes specialist jewellery cover within your contents policy with up to £500,000 in total contents and £250,000 per specified item. This far exceeds standard insurance policies, which often limit single items to around £1,500–£2,500.

The cost is typically 1% to 2% of the overall value of your jewellery, depending on how and where it’s stored, how often it’s worn, and your location. Rivr lets you get a quote online in minutes and provides clear, tailored pricing based on your valuable items and risk profile.

If you’re unhappy with how your claim or complaint has been managed, you can escalate the issue. First, contact your insurance broker at Rivr to ensure all policy details have been reviewed correctly.

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If the matter remains unresolved, you can refer your dispute to the Financial Ombudsman Service, a free, independent service that handles complaints about UK insurance policies. You must contact them within six months of receiving our final response.

Rivr’s high-value contents insurance covers most household items, including:

- Furniture and furnishings

- Jewellery and watches

- Fine art and antiques

- Bicycles and sports equipment

- Tech such as laptops, phones, TVs, and sound systems

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All are covered worldwide as standard.

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.

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.

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.