Car insurance on the Channel Islands and Isle of Man

Car Insurance on the Channel Islands and Isle of Man
When it comes to car insurance on the Channel Islands and Isle of Man, drivers face unique rules compared to mainland UK. Both regions have their own legal systems and insurance requirements, meaning policies can vary in terms of coverage, premiums, and providers. While standard UK insurers may not always operate there, many local companies offer tailored policies that meet regional needs. It’s important to compare options carefully, check for cross-border coverage, and ensure compliance with local laws before choosing a plan.

Admiral have informed about some modifications to their car and van policies to their clients from the Channel Islands or the Isle of Man. Admiral informed about the changes, why they changing, and what it means for all covered clients. Admiral said they are no longer allowed to insure any automobile or van clients who reside in Guernsey, Jersey, any of the Channel Islands, or the Isle of Man as of September 1.

Moreover, they said, their auto and van insurance clients are underwritten by a Gibraltar-based company.

The Gibraltarian government recently enacted a new rule that forbids insurers operating there from offering motor insurance to citizens of the Isle of Man or the Channel Islands.

What does this change mean for Existing customers?

Even if your renewal deadline falls after the first of September, they can still insure you if you currently have a car or van policy with them.

They are unable to renew the policy after it has reached its renewal date.

You’ll need to insure your car with a different company.

Before the renewal date, they’ll get in touch with you to directly inform you of the change.

If you attempt to request a quote through their website, they won’t be able to do so after entering your address.

What does this change mean for New Customers?

Their experts will inform you if you call for a quote that they are unable to insure your vehicles.

Except for adding a new vehicle, you can still make modifications to an existing insurance policy you have with them until the renewal date.

Any necessary changes or updates to the information can still be made.

Am I insured to drive if I’m visiting these islands?

Customers who don’t reside in the Channel Islands or the Isle of Man but intend to travel there by car while on vacation will still be insured.

What about your other insurance with Admiral?

The legislative change does not apply to any other types of insurance save auto and van insurance.

There have been no changes to your policy if you have pet or travel insurance with them.

Please get in touch with them if you have any questions about this adjustment.

FAQ:

Does car insurance cover the Isle of Man?
Yes, but not always. Some UK policies cover the Isle of Man, but you should check with your insurer to be sure.

Does AA car insurance cover the Isle of Man?
AA car insurance usually covers the Isle of Man, but it’s best to confirm with them before you travel.

How much to insure a car in the Cayman Islands?
The cost depends on the car, your age, and driving history. On average, it can be more expensive than the UK.

Does Aviva car insurance cover the Isle of Man?
Aviva often includes cover for the Isle of Man, but always read the policy details to confirm.