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Rivr Cover
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why Rivr

Boutique Private Client Service

With Rivr, you can rest easy knowing you have a dedicated expert in your corner, from policy inception to claim settlement.

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designed to give you confidence

If you’ve trusted us with your most valuable assets, the experience should match that trust. Every Rivr client has a dedicated client advisor at the end of the phone.

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01

Your dedicated client advisor

From the moment your policy begins, you have a dedicated advisor who understands your home, your cover and your circumstances.

  • A consistent point of contact

    Speak to someone who knows your policy, rather than starting again each time you get in touch.

  • Available by phone or email

    Get straightforward support in the way that suits you.

  • Here when it matters

    Your advisor can help with questions, changes, claims and the practical details of your cover.

Dining table with green velvet chairs

02

Specialist high value expertise

High-value homes and belongings can bring more complex risks. Our team understands the details that standard insurance can overlook.

  • Knowledge of exceptional homes

    Support for large, listed and architecturally distinctive properties.

  • Experience with valuable belongings

    Understanding of fine art, jewellery, collections and other high-value possessions.

  • A more considered approach

    Your cover is handled with the care and attention that more complex circumstances require.

Woman relaxing on a green leather sofa

03

Responsive, fast client support

Our service does not disappear once your policy is in place. We remain available as your home, belongings and circumstances change.

  • Support beyond renewal

    Speak to us throughout the year, not only when your policy is due to renew.

  • Help with changes

    Update your cover when you renovate, move, make a significant purchase or your circumstances evolve.

  • Clear, responsive communication

    Get practical answers without unnecessary delay or being passed from team to team.

client reviews

Rivr cover is rated excellent

4.7/5 on Trustpilot

  • “A fantastic personal service from Sasha, she is a pleasure to deal with. The policy is clear, straightforward and competitively priced. I would highly recommend seeking your insurance through Rivr.”

    Yolanda B · Suffolk

  • “I like the way this company does its business. You can talk to a human and do all they can to get you a result in an uncomplicated way. They are warm, friendly and cannot do enough for you.”

    Anthony B · UK

  • “Totally refreshing experience to talk to Will at Rivr. Will provided a service like no other - great communication, listens, understands and delivers! I highly recommend you call him too.”

    Emma W · Bristol

  • “Superb service - quick, clear and they couldn't have done more (thanks, Sasha!) Would highly recommend.”

    Patrick O · UK

  • “I spoke with Will in 2024, and was impressed by his vision. We moved to Rivr and have been impressed by the level of personal service and competitive pricing.”

    Sam C · London

  • “Competitive contents insurance with an easy, straightforward process. Jewellery coverage was a great bonus. Simple to contact Rivr, would definitely recommend them for hassle-free home insurance.”

    Edward B · London

why Rivr

More reasons to choose Rivr

All reasons to choose Rivr

what we offer

Our insurance

Get started online in minutes. No paperwork.

faq

Frequently asked questions

Insurance can be complicated. Here are answers to the questions we are asked most.

Go to FAQs
What does Rivr do?

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.

How does Rivr differ from other insurance brokers?

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.

Is Rivr financially regulated?

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.

Who insures the policy?

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.

How can I reach you?

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.

How long does it take to get a quote?

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).

Can I buy my cover over the phone?

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.

Do you charge any additional fees?

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.

How can I pay my premium?

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.

How long is a quote valid for?

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

3 simple steps

Get a quote online today

  1. 1 Tell us about your home
  2. 2 Review your quote
  3. 3 Accept and pay
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