Modern and Smart Digital Insurance

Rivr is an insurance broker that provides a simple, digital solution for people to buy home insurance that is designed for higher value homes and their contents.

We are focused on providing the best level of service, whilst ensuring that you have the correct level of cover, and get it quickly.

Simply put, Rivr is a UK insurance broker where you can buy and manage high-value home insurance online. We combine top-tier cover, designed specifically for higher-value homes, with a fast, seamless digital experience, without the need for long phone calls or paperwork.

Unlike standard online insurers, we evaluate every submission to ensure your policy truly fits your needs. It’s the perfect blend of technology and tailored service.

Yes, Rivr Cover Limited is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155). 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.

You can verify our authorisation by visiting the FCA Register.

Your policy is underwritten by two highly rated insurers:

Buildings, Contents, and Liability cover — Accelerant Insurance UK Limited (UK-based insurance subsidiary, awarded an A- financial strength rating by AM Best). Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (Firm Reference Number: 207658).

Family Legal Solutions and Property Emergency Solutions — ARAG Legal Expenses Insurance Company Limited (founded in Germany, awarded an A financial strength rating by AM Best). Authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority (Firm Reference Number: 202106).

Both insurers are financially strong and fully regulated, providing you with reliable and secure coverage.

You can contact us in the way that suits you best:

Email: hello@rivrcover.com

Chat: Send us a message through our online chat

Call: Book a call with a member of our team

We’re always happy to help.

You can usually get a quote in around 5 minutes using our online form. For most clients, you can get a quote, review your cover, and pay online, all within minutes.

In some cases, we may provide an indicative quote, which simply means your application needs a little more attention from our team.

We aim to be in touch within one working day, and most clients are fully insured within 3 days if we have some follow-up questions (slightly longer if submitted over a weekend or bank holiday).

Our online quotation process is super intuitive and fast, but if you prefer you can book a call to discuss your needs, and we can get a quote for you. You can book a call with a member of our team at a time that suits you.

In short, no. We don’t charge any admin, cancellation, or mid-term adjustment fees.

Unlike many other brokers, we believe in transparent pricing. What you see is what you pay.

You can choose to pay your premium annually or monthly.

Annual payments: Pay securely online using any major debit or credit card.

Monthly payments: Spread the cost of your premium through our premium finance partner, Bexhill.

Currently, monthly payments need to be set up over the phone, as we’re required to read a short regulatory script. We’re working to make this fully online soon.

Paying by premium finance can be more expensive than paying annually.

A quote is valid for 30 days from the date it is issued.