Contents Insurance

Insurance cover for your contents and personal possessions

Get a quote

Benefits included as standard*

Our in-house contents policies include a great range of free benefits as standard.

New For Old Replacement & Accidental Damage Cover

We include accidental damage cover for your contents on a 'new for old' replacement basis as standard.

Personal Belongings Cover

We automatically cover your precious belongings when you are out of your home, anywhere in the world.

No Claims Bonus

Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.

24/7 Helpline

Help and assistance, 24 hours a day, through our free emergency helpline.

*applies to most policies, subject to terms and conditions.

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.

Levels of cover

Find out what’s included in each of our in-house policies.

Features in our Levels of CoverPremierPrestige
Basis of coverRepair or Replacement of your belongings up to your sum insured, including accidental damage cover as standardRepair or Replacement of your belongings up to your sum insured, including accidental damage cover as standard
Cover for your valuables. Including, Precious metals, Jewellery, Art and Collections1/3rd of your Contents value with a single item limit of £5,0002/3rd’s of your Contents value, with a single item limit of £10,000
Rent and accommodation costs if your property cannot be lived in25% of your Contents valueReasonable costs for up to 3 years
Personal belongings cover protecting your everyday items outside of the home£5,000 as standard for up to 60 days with a single item limit £2,000Worldwide cover with no time limit, up to 2/3rd’s of your Contents value, with a single item limit of £10,000
Protection against water damageRepair or Replacement of your water damaged belongings up to your total valueRepair or Replacement of your water damaged belongings up to your total value
Students' belongings while away from home in higher educationUp to £7,500 of Contents covered automatically within the UKUp to £7,500 of Contents covered automatically within the UK
Money and Card cover for losses by accident, deception or theft£1,000 for Money or £10,000 for Bank cardsWorldwide cover included automatically with no total value limit and single item limit of £10,000
Protection for your new purchases£5,000 while carried home£5,000 for Money or £25,000 for Bank cards
Family Legal ExpensesUp to £50,000Up to 25% of your Contents value for 60 days
Public Liability indemnity£5 million as standard, or £10 million on request£5 million as standard, or £10 million on request

*applies to most policies, subject to terms and conditions.

Extras

Treasured Collections

From Antiques to Stamps to Wine we can include cover for all your special collections

Air BNB

We can include cover for you to let your property out on Air BNB

Holiday Home

If you have your Contents insured with us we can look to insure your holiday home in the Channel Islands or the UK

Flexible buildings cover

If you move or have simply had your buildings insured separately, we can add buildings to your contents policy at any time and as an added bonus you will get an extra 10% discount off your Contents cover

*applies to most policies, subject to terms and conditions.

Looking for Buildings Insurance?

Get a quote

More on Buildings Insurance

Peace of mind

Our in-house policies protect your contents and personal belongings against a wide variety of damages, theft and loss.

*applies to most policies, subject to terms and conditions.

You’re covered for:

  • Lock replacement if your keys are lost or stolen
  • Home and garden contents
  • New for old replacements
  • Accidental damage
  • Lost or stolen money or credit cards
  • Personal belongings

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.

Cancellation

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

FAQs

Have a question about our contents insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

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)

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

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

Articles & guides

Keep your building, contents and occupants safe with our handy home guides.

View all guides

Request a callback