Car Insurance

Drive away happy with insurance from Islands

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Benefits included as standard*

Some of the benefits offered under our in-house Comprehensive, Third Party Fire & Theft and Third Party only motor policies are designed with Channel Islanders in mind.

European Breakdown Cover

Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad.

24/7 Helpline

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

No Claims Bonus

Get up to a 65% discount on your policy with a No Claims discount of 5 years or more.

No mileage restriction

We make life easier for you and prevent hassle in the event of a claim, by never restricting how far you can drive in a year.

*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 policies.

Features in our Levels of CoverThird Party OnlyThird Party, Fire & TheftComprehensive
Repair or replacement of your car in the event of accidental damage - even if you were at fault
Repair or replacement of your Windscreen, windows and sunroof in the event of accidental damage
Replacement keys, lock transmitter and locks if your keys are stolen
Repair or replacement of your car if it is damaged by fire, theft or if it is stolen
European breakdown, Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad
Motor legal expenses and protection
Cover to drive in the UK for up to 30 days and Europe for 60 days
Costs for injury to other people or damage to property
Complimentary loan car included with our approved repairer service
No excess or loss of No Claims Bonus if you're involved in an accident where an uninsured driver is at fault

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

Extras

Adding additional drivers

You can add additional drivers on a temporary or permanent basis here, or simply call one of our brokers who can assist.

Multi-car discounts

We offer a variety of multi-vehicle discounts for people who have more than one vehicle insured with us.

Temporary period car insurance

If your car is off the road, broken down, or up for sale, we can add another vehicle on a temporary basis to your existing policy. Contact us for more details.

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

Looking for Classic Car Insurance?

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More on Classic Car Insurance

Approved Repairer Service

In addition to your policy cover, as an Islands Insurance customer you have access to the benefits of our approved repairer service:

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

Find an Approved Repairer

The benefits

  • There’s no need for you to obtain repair quotes
  • Repairs will be completed as soon as possible
  • Complimentary loan car
  • Your car can be collected and returned to you, cleaned inside and out
  • Repairs are guaranteed for 3 years

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 car insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

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

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.

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.

Articles & guides

Take the stress out of driving with our handy guides.

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