Benefits included as standard*
Our in-house policies include a great range of benefits as standard.
Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad.
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.
In the event of a total loss, you receive every penny of your car’s insured value. No depreciation. No messing around. No hassle.
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.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
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.
Friendly, experienced in house claims team giving guidance and help when it matters most.
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 Cover | Comprehensive |
| 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
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.
