Specialist island car insurance (including Channel Islands, Shetland and Hebrides)
Speak to us for island car insurance, whether you live on one of the Channel Islands, such as Jersey or Guernsey, the Shetland Islands, or the Hebrides. At Adrian Flux, we take into account that surrounding islands have slower speeds, quieter roads and a much lower risk of theft. All this combines to provide lower premiums for you.
Plus, as the UK’s leading independent specialist broker, we can offer cover for virtually any situation, including:
Get an Island Dweller Insurance Quote
Home insurance for islanders (including Channel Islands, Shetland and Hebrides)
Whether you need buildings insurance, contents insurance, or a comprehensive building and contents policy for your island home, we can find the right level of cover for you. As we are a specialist insurance provider, we’re able to cover unusual homes at a great rate.
So whether your island home is a small flat or a castle, we can help with an insurance policy that suits your particular requirements.
Just a small selection of the specialist areas we cover include:
- Landlord insurance: cover for both single property and portfolio. Flexible for a rapidly changing property portfolio
- Bed and breakfast insurance
- Secondary home and holiday home insurance
- High net worth policies: cover period properties, high-value dwellings and contents cover, and cover for antiques and valuables
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Island motorbike insurance (including Channel Islands, Shetland and Hebrides)
We offer tailored motorbike insurance through Bikesure, Adrian Flux’s specialist bike insurance department. Our aim is to provide policies to suit your individual needs.
Our wide range of policies can include:
- Multi-bike insurance
- Agreed value cover
- Limited mileage discounts
- European travel
- Breakdown cover
- Accessories and leathers cover
Get an Island Dweller Insurance Quote
Which islands are covered?
If you live on any of these islands, you could make huge savings with our specialist island insurance schemes:
Channel Islands
- Alderney
- Guernsey
- Jersey
Shetland Islands
- Mainland
- Bressay
- Bruray
- East Burra
- Fair Isle
- Fetlar
- Foula
- Housay
- Muckle
- Papa
- Roe
- Stour
- Trondra
- Unst
- West Burra
- Whalsay
- Yell
Orkney Islands
- Mainland
- Burray
- Eday
- Egilsay
- Flotta
- Graemsay
- Hoy
- North Ronaldsay
- Papa Westray
- Rousay
- Sanday
- Shapinsay
- South Ronaldsay
- South Walls
- Stronsay
- Westray
Inner Hebrides
- Coll
- Colonsay
- Easdale
- Eigg
- Isle of Ewe
- Gigha
- Iona
- Jura
- Kerrera
- Lismore
- Luing
- Muck
- Mull
- Raasay
- Rùm
- Seil
- Skye
- Tiree
- Ulva
Outer Hebrides
- Baleshare
- Barra
- Benbecula
- Berneray
- Eriskay
- Flodaigh
- Great Bernera
- Grimsay
- Harris
- Lewis
- North Uist
- South Uist
- Scalpay
- Vatersay
Islands of the Clyde
- Arran
- Bute
- Great Cumbrae
More
- Anglesey
- Isle of Man
- Scilly Isles
- St Mary
- Isle of Wight
FAQs
If I visit islands in the British Isles, am I covered by my car insurance?
Most insurance providers include cover for visiting other islands in the British Isles as standard. For instance, our car insurance covers you when you visit other islands in the nation.
Do I need travel insurance when visiting the islands?
Although it isn’t a legal obligation, travel insurance can help cover you in the event something goes wrong. Get a quote from us if you need cover for your trip.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
