Classic Car Insurance

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Benefits included as standard*

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

European Breakdown Cover

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

Foreign Use Cover

You get the same level of cover at home and abroad, so you’re fully covered in the UK, France and 34 other European countries for temporary trips.

Agreed Value

In the event of a total loss, you receive every penny of your car’s insured value. No depreciation. No messing around. No hassle.

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 policies.

Features in our Levels of CoverComprehensive
Agreed value in the event of a claim
Repair or replacement of your car in the event of accidental damage, fire or theft 
Choice of 1,500 or 3,000 annual mileage limit
European Breakdown cover, Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad
Cover to drive in the UK for up to 30 days and Europe for 60 days
Motor legal expenses and protection
Repair or replacement of your Windscreen, windows and sunroof in the event of accidental damage
No excess if you're involved in an accident where an uninsured driver is at fault
Costs for injury to other people or damage to property
Cover for damage occured by Garage Servicing and Hotel Parking

*Applies to Classic cars only, if you have any other type of classic vehicle, contact us for a bespoke solution

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Extras

Adding additional drivers

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

Wedding hire cover available

We can extend your policy to allow you to be paid for driving your vehicle as a wedding car.

Laid up cover

If your vehicle is not going to be driven, we can still offer protection against Accidental Damage, Fire and Theft for a reduced price.

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

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 classic 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

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