Terms of Service
Terms of Service
Rivr is a trading name of Rivr Cover Limited, registered in England and Wales (company number 14104261), registered office 124 City Road, London EC1V 2NX. Rivr Cover Limited is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155).
By using this website, you accept and agree to these terms of business. If you do not agree to be bound by these terms of business, you should stop using this website immediately.
Our products and services
We are an insurance intermediary offering home insurance and services suitable for those who wish to insure their homes, contents and valuable items against certain circumstances. This product meets the demands and needs of those who wish to insure their homes with Buildings coverage over £500,000 and Contents coverage (including valuable items) over £100,000.
We do not give advice or personal recommendations in connection with the insurance. You will be presented with the terms and conditions of the product and an appropriate premium.
The capacity in which we act
We are an insurance intermediary. When arranging this insurance, we always act as the agent of the insured.
Our remuneration
You do not pay us a fee for arranging this policy; we receive a commission from the insurer which is a percentage of the total annual premium.
We do not apply administrative charges to our customers for arranging or administering their insurance policies.
For arranging premium instalment facilities, we do not earn any commission from our premium finance providers. However, the amount you pay for credit and the overall cost of arranging your insurance will vary according to the interest charged by the lender and the APR. Using premium finance makes the overall cost of the insurance more expensive. A full breakdown of the cost of your insurance and the cost of credit will be provided as part of your new business or renewal quotation before you make a decision whether to proceed
Disclosure
You are responsible for answering any questions in relation to any proposal for insurance cover honestly and to the best of your knowledge, providing complete and accurate information which insurers will require.
You must check all details on any proposal form and pay particular attention to any declaration you may be asked to sign. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.
Insurance Premiums
We act as agents of the insurer in collecting premiums and handling refunds due to clients. In these circumstances, such monies are deemed to be held by the insurer(s) with which your insurance is arranged.
Cancellation Rights
You may cancel your Insurance policy within the 14 days after you receive the insurance documents, and you will receive a full refund of any premiums paid. After the 14-day period you can cancel at any time by emailing us at hello@rivrcover.com.
Policy changes and general policy administration
When policy documents are issued, you are strongly advised to read them carefully, as it details important information regarding your cover. You must inform us immediately of any changes in circumstances which may affect the services provided by us or the cover provided by your policy.
Complaints procedure
Should there be occasions when we do not meet your expectations, we are also obliged to deal with complaints thoroughly and professionally.
If you wish to register a complaint regarding the sale of your insurance, please contact us:
By email: complaints@rivrcover.com
By post: Rivr Cover Limited, 124 City Road, London, EC1V 2NX
By phone: +44 (0)20 8064 4046
In most instances, we'll be able to address your complaint within the first few days. On occasion, further investigation may be necessary, but we'll provide you with a full written response within eight weeks of notification.
If you are still not satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). For further information you can visit FOS website www.financial-ombudsman.org.uk.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS) for our insurance mediation activities. Further information about compensation scheme arrangements is available from the FSCS on 0800 678 1100 (freephone) or 020 7741 4100 or www.fscs.org.uk
Claims handling arrangements
You should take note of the required procedures in the event of a claim, which will be explained in the policy documentation. You should notify the insurer of a claim as soon as possible.
Contact Us
If you need to contact us for any reason about your policy, please use the contact details below:
Email us: hello@rivrcover.com