Personal Insurance

Private Clients

Private clients have unique needs and requirements. We can deliver tailored insurance solutions for our clients, their families, their assets and their belongings.

We are passionate about building lasting relationships based on trust, integrity, and understanding the evolving needs and requirements of our clients. This approach is complemented by the close working relationships we have built up with a wide selection of insurers, both in the property investors and the high net worth sector.

Household

Being one of the most common insurance products required, our extensive range of policies together with our team of experienced brokers can help you protect your buildings, contents and personal belongings whilst in your home and in your possession, should be that be in Guernsey or anywhere in the world.

Motor

We provide policies with various levels of cover all designed to suit you and your vehicle, should that be personal, commercial and motorcycles. Our experienced brokers will be able to find a policy based on your individual requirements and circumstances all at competitive rates.

Marine

Due to the Channel Islands unique location, we are pleased to offer competitive marine quotations with various levels of cover to suit your vessel, jet ski or sailing yacht. With a range of discounts available, our experienced brokers will be able to provide a policy based on your individual requirements.

Vehicle Breakdown

24 hours, 365 days a year motor breakdown assistance.

Our policy provides 24 hours, 365 days a year motor breakdown assistance in the Channel Islands, Isle of Man, United Kingdom and Europe with no vehicle age limit. If your vehicle is immobilised by a breakdown, including a breakdown at your home, we will arrange for a vehicle rescue operator to spend up to one hour to try and fix it. If it cannot be fixed we will arrange for the vehicle to be taken to a local garage to be repaired at your cost. For more information, please contact us.

Travel

Channel Insurance Brokers are able to offer annual and single trip travel policies. These policies can be tailor made to include many types of pre-existing medical conditions and can include sections such as medical expenses and delayed departure and dangerous sporting activities.

Equestrian

We are able to provide a wealth of experience within the equine insurance market, along with excellent levels of customer services. We can provide cover for such things as vet’s fees and rider personal accident along with various optional benefits.

Car Hire Excess Insurance

Channel Insurance Brokers are partnered with Riverside Underwriting Limited to be able to offer annual and single trip car hire excess insurance policies. When collecting your hire car, you'll usually be offered different types of products which all come at an extra cost on top of the price of the actual car hire (like breakdown cover, personal injury cover etc). It can all be a bit confusing and costly, and what a lot of people don't realise, is that often if the hire car is damaged in any way, you are typically liable to pay the excess. This is often between £500 and £2000, sometimes even higher, depending on the vehicle type and who you're hiring the car from.   Car hire excess cover is a policy which shares similarities with travel insurance, in that you either buy it as a single or annual policy (you may wish to consider an annual policy if you hire cars regularly or are hiring for more than 14 consecutive days).

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Private Motor Excess Insurance

Channel Insurance Brokers are partnered with Riverside Underwriting Limited to be able to offer private motor excess insurance. Excess insurance is a policy that’s separate to your motor insurance policy. It protects against paying a large excess in the event of a claim. When buying motor insurance, you’re typically liable for a fixed amount that you’ll need to pay out if you make a claim.  So if, for example, your excess is £400 and there’s £1,000 worth of damage done to your vehicle, the insurer will keep £400 and will pay you £600.  If the claim is deemed to be someone else’s fault, this excess may be waived. This isn’t always the case, so it’s worth checking your policy’s terms and conditions. Perhaps you’re a young driver concerned about a high excess on your policy. Or maybe you’re looking for ways to reduce your insurance premiums while reducing your risk. Either way, motor excess insurance could be for you

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Tony De SousaManaging Director
Mobile 07781 169595

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Darren HughesPersonal Insurance Manager

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Debbie CairnsPersonal Insurance Senior Broker

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Mark Le TissierPersonal Insurance Senior Broker

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Gena JonesPersonal Insurance Senior Broker

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Kirstie MarquisPersonal Insurance Broker

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