Bordeaux, Burgundy, Champagne, & more
Insure your fine wine under one high-value contents insurance policy. Rivr is a digital-first insurance for serious collections: quick to start, simple to manage, and human when it matters.
high value home insurance putting you first
wine insurance made simple
Multiple collections and valuables included under one contents policy, protected worldwide.
simple
Rivr's home insurance is designed to work with you, not against you. We don't have the same restrictive safe terms as others.
and more
Digital first insurance, a tailored approach, and a client advisor on hand to help.
tailored cover for wine collections
An up-to-date valuation ensures your policy reflects the real market value of your wine collection. It protects you from the outset and helps claims move faster if something goes wrong. A current valuation also serves as proof of ownership and condition, which makes resolving loss, theft or damage more straightforward.
We can signpost respected specialists and make document uploads simple. For the best results, use recognised wine merchants, auction houses or appraisers whose assessments are accepted within the trade.
Most standard home policies cap valuables at relatively low limits. That can leave a cellar underinsured if bottles or cases are lost, stolen or damaged. Some policies exclude accidental loss unless each item is separately listed, apply tight single-item limits, or restrict cover while goods are in transit or off-site.
Rivr takes a different approach. Your wine collection sits within contents insurance designed to protect individual bottles, cases and whole cellars. Fewer carve-outs. Higher limits. Cover that works at home and abroad.
Collections rotate between home storage, professional facilities and tastings, and purchases are frequently shipped. That movement brings everyday risk. With Rivr, cover adapts to the way you collect: accidental damage, loss and theft on a worldwide basis, plus easy valuation and schedule updates as the market shifts.
Policies should grow with your collection. Newly acquired bottles or cases are automatically covered for a set period, giving you time to arrange valuations and adjust sums insured. Standout items can be listed for agreed value in line with your policy terms.
If you need to claim, choose what works for you — a cash settlement or a like-for-like replacement through trusted partners. Settlements are based on the insured values on your schedule.
your cover
Your whole wine collection can sit under one home insurance policy, from everyday favourites to exceptional vintages and Grand Cru, all covered within your chosen contents sum.
Your wines are protected at home and during a home move with professional removal companies, including short-term storage as part of the removal process.
Your wine collection is covered under your chosen contents sum, with the option to list any collections. During a home move, your collection is protected while in transit and during short-term storage with professional removal companies.
Cover begins the moment your policy starts. New additions to your wine collection are automatically included for 60 days (up to 25% of your contents sum insured), while you update your policy with the details.
Claims for your wine collection are settled up to the amount shown on your schedule, including any policy or single-item limits, in line with your policy terms.
We understand the care that goes into a wine collection. Your bottles are protected under your contents cover, with 60 days of automatic cover for new additions while you update your policy.
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.
Yes. Your contents are insured anywhere in the world. If wine is kept in a commercial storage facility, our Permanent Storage extension applies (up to 25% of your contents/fine art sums insured, with conditions like forcible/violent entry for theft). During removal by professional contractors within the UK, our Contents in Transit extension applies.
Yes. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.
No. Most cellars are insured under a single contents sum insured. We’ll only ask you to specify standout bottles/cases individually if they exceed the single-item threshold shown on your schedule. That lets us note an agreed value using your valuation or receipt.
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.
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.
Typically only up to low “valuables” limits and with restrictions (e.g., away-from-home or in-transit). Larger or rare cellars often need specialist cover or itemisation.
With Rivr, your wine collection can sit under Contents with worldwide, all-risks protection and you only need specify bottles over £25,000.
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
