Commercial Vehicle Insurance

Drive your business with insurance that works hard for you

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Why insurance for your business vehicle is important

If you own or operate a business of any size across the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. Whether you need to cover a fleet of vehicles, or just one van, it’s important to make sure that you have the appropriate commercial van or car insurance.

Our standard benefits for our commercial vehicle insurance policy are comprehensive and ensure that the things that matter most to you are covered. Your loyalty to us matters which is why some of these great benefits include £50k of legal cover, a no claims bonus and a 24-hour helpline for our customers. Not having the appropriate level of coverage on your business vehicles can leave you vulnerable and open to unnecessary risks that can become a costly burden in the unfortunate event that something goes wrong. Call our friendly team today to discuss your coverage needs.

Covers & benefits provided

Our commercial vehicle policy is extensive and designed with Channel Islanders in mind.

Legal Expenses

£50,000 of Legal cover included as standard.

No Claims Bonus

Get up to 50% discount on your policy with a no claims discount of 5 years or more.

24-Hour Helpline

We include free help and assistance, 24 hours a day, through our free 24-hour emergency helpline.

Optional benefits

Our commercial vehicle insurance is ideal for tradesmen and businesses that use their vehicles as tools which leads to gaps in coverage due to grey areas of how the vehicle is used. At Islands, we understand this gap which is why we offer a greater level of protection in our optional benefits package. Some of these extra benefits allow you to receive a discount for restricting the drivers on your vehicle, coverage for damage to underground services when using the vehicle as a tool, and coverage for your trailer when it’s not attached to your vehicle.

Our optional benefits offer a greater level of protection for your business vehicle. 

Restricted driving discounts

We can give up to 15% discount if you restrict the drivers on your vehicle.

Tools of trade use

We can cover you for damage to underground services when using the vehicle as a tool.

Trailer cover

We can cover your trailer when not attached to your vehicle. Contact one of our brokers for more details.

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Existing Business Customers

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our community

We are proud to support the local community through several sponsorships and partnerships, helping to protect our rich heritage and take care of our beautiful islands.

In-House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Request a callback

warning Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.
Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney