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What is Pollution and Contamination cover?

This covers you and your family in the event of a claim against you, where you are legally responsible for Pollution or Contamination, caused by a sudden, unforeseen event or oil leak from a domestic oil installation. There is no additional charge for the standard level of cover and it cannot be excluded.

What is Tenant’s Liability cover?

This covers you for against liabilities arising from your tenancy of the property specified on your schedule for damage to the building, cables, pipework, fixed glass and sanitary fittings. There is no additional charge for the standard level of cover and it cannot be excluded.

Why do I have cover for Damage to Property of Paying Guests?

If you let out your property for holiday rentals and you are liable for damage to the paying guests’ belongings, cover is automatically included up to £10,000 for a maximum of six people’s belongings. There is no additional charge for the standard level of cover and it cannot be excluded.

I am going off island for a while. Can I have my renewal early?

Some policies we can raise up to 60 days early, please contact us and we will do everything we can to get your renewal to you as soon as possible.

Does the “Driving other cars” extesion apply to hire cars?

No the “Driving other cars” extension does not apply in this instance.

Can I change the vehicle on my policy?

You can change the vehicle on your policy at any point by calling us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Can I add a temporary vehicle to my policy?

Yes, policyholders can add temporary additional vehicles to their policy. The charge will be dependent on the details you provide. For more information please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Can I add a driver to my policy?

You can add drivers to policies but each addition must be assessed by one of our brokers. Please call us on  01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday to assist you with this.

Can anyone over 25 drive my car?

To find out if you have this option please, check your Certificate of Motor Insurance or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

How do I cancel my car insurance policy?

To cancel your policy please return your Certificate of Motor insurance and Windscreen Insurance Disc confirming the reason for cancellation. Please note you may be subject to cancellation fees and if you have made a claim or one has been made against you during the period of cover, you will not receive a refund.

Do I get a discount for insuring more than one car?

We are able to offer Multicar discounts on our policies. Our brokers are able to look if this has been included for you, to speak to them please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

How do I make a motor insurance claim?

To make a claim please download and complete a claim form or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday. For more information about motor claims please read our motor insurance claims guide.

How will a claim affect my policy?

The effect of a claim varies depending on your claim history and if you have protection in place at the time of the claim. Please call one of our brokers on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday and we can advise you on your individual situation.

Will my car be repaired if an accident is my fault?

If you have Comprehensive cover we will repair your vehicle subject to you paying the excess noted on your policy schedule/endorsement.

Do I have windscreen cover?

If you have Comprehensive cover you have windscreen cover subject to you paying the excess noted on your schedule of insurance.

What is Motor Legal Protection?

Motor Legal Protection will pay the legal costs if you’re involved in a road traffic accident where you’re not to blame. It is there to help you claim from the person who is responsible for losses not covered by your Motor policy. These include compensation for personal injury, your policy excess and lost earnings as long as there is a better than 50% chance that your claim will succeed.

Do I have Breakdown cover?

We include Breakdown cover for free on all our motor policies, subject to the following terms:

The vehicle, excluding any caravan or trailer, must not weigh more than 3.5 tonnes gross vehicle mass or be over 5.5 metres (18 feet) in length, or over 2.3 metres (7 feet 6 inches) wide. Cover extends to include any caravan or trailer attached to the vehicle at the time of the breakdown. Any caravan or trailer attached to the vehicle must not exceed 7.6 metres (25 feet) in length.

For full details follow this link.

How do I call out the breakdown company?

You can call them on 0800 197 1013 for Jersey/UK. 0800 197 1015 for Guernsey/UK. Europe on + 44 117 934 217.

Do I have to tell you if I attend a parish hall enquiry?

All parish hall enquiries, motoring convictions and non-motoring convictions including those pending must be declared to us. If you have not declared these please download the appropriate document then complete and return a copy of the Conviction Questionnaire to us on insure@islands.je

Do I have to tell you if I modify my car?

All after market modifications must be declared, or they could invalidate your insurance. Please complete and return the Modified Vehicle Report Form to us on insure@islands.je

What is a No Claims Bonus?

A No Claims Bonus is a discount you get for being claim free for 1 to 6 years.

What is No Claim Bonus Protection?

No claims bonus protection gives protection against losing your no claims bonus in the event of a fault claim. We add it at no additional cost once you reach the maximum no claims bonus and provides protection against two fault claims in a five year period. Any further claims would then result in the loss of your no claim bonus. For more information on how your no claim bonus is affected in a claim situation please see your policy wording.

Can I remove breakdown cover / Foreign use to bring the price down?

We you give Breakdown cover and foreign use cover as part our policies. We do not charge any extra for this and as such we cannot delete them from your policy.

Can I change cover on my car later if I change my mind?

We are not able to change the level of cover on your policy mid-term, this can only be done at the New Business quotation stage or at the Renewal of the policy. The only situation where this is available at another time, is if you are also changing the vehicle insured on the policy.

How can I get a duplicate Certificate or Motor insurance/Windscreen Disc?

To request duplicate documentation please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

I have not received my documents how do I get replacements?

To request duplicate documentation please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Can I get a loan car if my vehicle goes in for a service?

Yes we will cover a garage’s loan car if your vehicle is in for a service or accident repair.

Can I add extra cars to my policy?

We cannot add additional cars on a permanent basis to your policy. We do however give multi policy discounts we can apply if you have more than one policy with us.

Can I drive after a medical procedure? E.g. Operation, Ceasarean?

As long as you follow the advice of your medial practitioner you will be insured. If you drive against medical advice you will not be insured.

Can someone not covered by my insurance drive my car on a third party basis if they have a full driving licence?

Some people have a “Driving other cars” extension on their own insurance policy but this is for emergency use only and not meant for everyday driving. To see if they have this cover they would need to look at their policy documentation.

How long am I covered to take my car to UK / Europe?

You can travel to the UK for 30 days or Europe for 60 days. If you need any additional cover please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

How can I pay for my insurance?

You can call our accounts department with your card details on 835358, pay online or by bank transfer / BACS including your policy number to:

Sort Code: 40-25-34
Account Number: 71643509
Account Name: M J Touzel IB Ltd.

We also accept Cash or Cheques.

Can I pay by Direct Debit?

We do have Direct Debit facilities. To find out if you are able to pay for your policy by Direct Debit please call one of our Brokers on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Can I pay for my insurance by Direct Debit through another persons bank account?

We are only able to accept Direct Debit payments from accounts belonging to Policyholders.

Why are boxes on my Declaration/Proposal form highlighted yellow?

They are to assist Islands staff when we are reading completed forms, to draw our attention to any highlighted answer.

Do you do Excess insurance?

We do not have any insurers available to us covering Excess insurance at this time

What are your opening hours?

Jersey & Guernsey – 9:00 till 17:00 Monday to Friday.

Alderney – 8:30 till 16:30 Monday to Friday

Does my “Driving other cars” extension allow me to drive in the UK/Europe?

If included on your Certificate of Motor insurance the “Driving other cars” extension does apply, please check your policy wording for full details. We must however note the cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

Am I covered for business use?

Business cover will be included automatically for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address. Exclusions do apply, so please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or check your Certificate of Motor Insurance

Do I have “Driving other cars”?

“Driving other cars” is a standard inclusion under most of our motor policies and allows the policy holder only, to drive vehicles not owned or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation. To find out if you have “Driving other cars”, check your Certificate of Motor Insurance. The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

Are my belongings covered outside the home or when I go on holiday?

If you live in your property and have Contents included, you will have a minimum of £5,000 of unspecified personal belongings cover with a single article limit of £2000 for most items. Your schedule will show the limits applying to your policy, or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday

I am moving home. Do I have to cancel my policy and take up a new one?

We can change the address on your policy and add or remove buildings or contents cover as needed. Simply call us on 01534 835383 (JSY) or 01481 710731 (GSY) or complete our online Change of Address form.

Can I add Buildings/Contents onto my existing policy?

We can add buildings or contents cover to your policy at any time please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday or contact us online.

Why do I have Employers liability cover?

We include Employer’s liability in all our policies to protect you and your family where you are responsible for an employee’s illness, injury or death. This includes cover for domestic employees such as a cleaner, driver or people employed by you under contract, for example a builder or plumber. There is no additional charge for the standard level of cover and it cannot be excluded

Can I remove liability cover from my home insurance policy?

Our standard liability covers form part of our home insurance policies. We do not charge an additional premium for them and they cannot be excluded .

What are Personal Belongings?

Personal belongings are items you would normally take outside your home, including but not limited to; jewellery, clothing, photographic/audio equipment, mobile phones and sporting equipment. (Exclusions apply see your policy schedule and wording for more information or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday)

How do I calculate what to insure my Building and Contents for?

If you do not have figures to insure follow this link for Building and Contents calculators.

How do I make a home insurance claim?

To make a claim please download and complete a claim form or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday. For more information about motor claims please read our home insurance claims guide.

How will a claim affect my policy?

If you have a No Claim Bonus applying to your policy you will lose part or all of your discount. Your policy may also be subject to a loading depending if you have had claims before or if the value of the claim is very high

Do I have accidental damage cover?

Accidental damage cover applies automatically to all our in-house home policies.

Am I covered “new for old”?

We include “New for Old” on all our policies for no additional charge (Exclusions apply see your policy schedule and wording for more information or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday)

Am I covered for my fence blowing down in a storm?

There is only cover in place if the home is damaged at the same time by the same cause.

Am I covered for trace and access to a water leak?

We include cover for trace and access to water and oil leaks. This may be limited depending which policy you have. For more details please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday

What is the difference between Personal Belongings and Contents?

Contents are items that stay within your home. Personal Belongings are items you would normally take outside of your home

Do I have Personal Legal Expenses cover?

If legal expenses cover is included on your policy it will be shown on your policy schedule. Alternatively please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Why do I need Personal Legal Expenses cover?

This provides up to £50,000 cover for you in legal costs. This covers you and family members living at home in pursuit of claims for death or personal injury and any disputes arising from contracts for goods and services, selling of goods, the rightful occupation or ownership of your home and contracts of employment. The legal provider, DAS also provides a free 24-hour Legal Helpline.

Do I have a No Claims Bonus?

We do apply a No Claims Bonus to our home insurance policies. This is 1 year 15%, 2 years 20%, 3 years 25%. The amount of discount is noted on Home Insurance Statement of Facts. If you have any query about this please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Is my bicycle covered where I take it outside of my home?

We can cover your bicycle outside your home under the Personal Belongings section of your policy. This is limited to a value of £2,000. To include a bicycle over this value or for more information on the exclusions applying please see your policy wording or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

Is my mobile phone covered by my policy?

We can cover your mobile phone or any portable device, outside your home under the Personal Belongings section of your policy. This is limited to a value of £2,000. To include an item over this value or for more information on the exclusions applying, please see your policy wording or call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday.

What is an excess?

An excess is the first amount of each claim that you must pay. We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively the appointed specialist or supplier will collect this amount from you on our behalf.

What is my excess?

Your excess is detailed on your policy schedule. Alternatively please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday to discuss this matter.

What do I do if there is an emergency when the office is closed ?

We have a 24 hour helpline you can call on 0345 604 7012. Remember to check your policy booklet and schedule to see if any of the damage is covered, as you may be able to recover the cost, less any policy excess.

Do I have to tell you about any improvements I am making to my property?

If you are planning an extension, a conversion or having any structural work carried out to your house, it is essential you let us know well in advance of such work commencing, so we can provide your insurers with the full details in order for your cover not to be prejudiced in the event of a claim. Please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday to discuss any changes you are planning.

How do I add a specified Personal Belonging to my policy?

Items under £2,000 on Premier or £10,000 on Prestige cover are automatically insured as long as you have contents cover. Items over these limits must be Specified with Insurance Valuations provided if the item is over £5,000 on Premier policies and £10,000 on Prestige policies. To add an item to your policy please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday. Alternatively please email us on insure@islands.je

What is Public Liability cover?

This covers you and your family if a claim is made against you for causing damage to property belonging to a third party or a third party’s death, injury or illness. The limit of this cover being £5,000,000. Exclusions apply please see your policy wording for the full details of cover included. There is no additional charge for the standard level of cover and it cannot be excluded

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