Renew your policy
You will receive your renewal documents by post in good time before your current policy is due to expire. Once you receive these documents you can use our online payments portal to pay your renewal premium. All you need is your remittance advice to hand, this is in your renewal pack.
If you would like to make any changes to your policy before you renew, please contact us.
Policy Changes & Document Requests
Need to make a change to your policy, upload documents or request duplicate documents? Save time and do it online, with one of our easy online forms.
Making a Claim
If something happens and you need to make a claim, just let us know right away. But before you do, take a moment to check your policy documents to see what’s covered.
FAQ’s
Have a question about your insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
What immediate steps can I take for emergency roof repairs?
Hire a contractor to make emergency repairs to keep your property watertight. Then, send the invoice, photos of the damage, and a repair quote to your insurer.
Do I have to tell you about any improvements I am making to my property?
Yes, if you’re planning an extension, conversion, structural work, or major alterations, you must let us know in advance.
This helps ensure your insurer has full details and your cover remains valid if you need to make a claim. If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What should I do if my property is uninhabitable or I’ve lost a utility?
If your property can’t be lived in or you’ve lost a vital utility, find emergency accommodation. Then, contact your insurer’s claims team as soon as possible.
What if I need to claim for additional accommodation?
If your home isn’t safe to live in, find a suitible and most affordable place to stay. Then, tell your insurer as soon as possible.
Do I need multiple quotations for building damage?
It depends on the insurer:
- For NFU Mutual policies: only one quote is needed, along with photos of the damage.
- For other insurers: check your policy wording or contact them directly.
Is my mobile phone covered by my policy?
Yes, mobile phones and portable devices can be covered outside your home under the Personal Belongings section of your policy.
- Coverage is subject to a single item limit, which is listed in your policy wording.
- If your phone is worth more than this limit, you may need to specify it separately.
For details or to add a higher-value item, check your policy or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
Is my bicycle covered where I take it outside of my home?
Yes, your bicycle can be covered outside your home under the Personal Belongings section of your policy.
- Coverage is subject to a single item limit, which is listed in your policy wording.
- If your bicycle is worth more than this limit, you may need to list it separately.
For details or to add a higher-value item, check your policy or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
How much is my excess?
Your excess amount is listed in your policy schedule and may vary depending on the type of claim.
If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
What is an excess?
An excess is the amount you must pay towards a claim before your insurer covers the rest.
It will either be:
- Deducted from your claim payout, or
- Collected by the appointed specialist or supplier on behalf of your insurer.
How do I add a specified Personal Belonging to my policy?
Each policy has a single item limit for personal belongings. If an item is worth more than this limit, it must be specified with an insurance valuation.
To add an item to your policy, you can visit https://www.islands.insure/contact-us/ to get in touch.
Can’t find what you’re looking for?
Have you tried using our handy search function at the top of the page? If you’re still having difficulty finding the answer that you need then please don’t hesitate to contact us.
Our offices are open Monday – Friday, 9am – 5pm and our team will be happy to assist with your query.