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Insurance for Island Dwellers

If you live on the Channel Islands, Shetland, Hebrides, or any other island surrounding the United Kingdom, we offer car, home and bike insurance that reflects the low-risk nature of island life.


Existing customers please call:
Existing customers please call:

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:

4x4 driving on island road
4x4 driving on island road

Get a 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

High net worth policies: cover period properties, high-value dwellings and contents cover, and cover for antiques and valuables

Island mountains with stream running through
Island mountains with stream running through

Over 81% 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
Illustration of person standing outside house with motorcycle
Illustration of person standing outside house with motorcycle

Get a 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:

  • Alderney
  • Guernsey
  • Jersey
  • Mainland
  • Bressay
  • Bruray
  • East Burra
  • Fair Isle
  • Fetlar
  • Foula
  • Housay
  • Muckle
  • Papa
  • Roe
  • Stour
  • Trondra
  • Unst
  • West Burra
  • Whalsay
  • Yell
  • Mainland
  • Burray
  • Eday
  • Egilsay
  • Flotta
  • Graemsay
  • Hoy
  • North Ronaldsay
  • Papa Westray
  • Rousay
  • Sanday
  • Shapinsay
  • South Ronaldsay
  • South Walls
  • Stronsay
  • Westray
  • Coll
  • Colonsay
  • Easdale
  • Eigg
  • Isle of Ewe
  • Gigha
  • Iona
  • Jura
  • Kerrera
  • Lismore
  • Luing
  • Muck
  • Mull
  • Raasay
  • Rùm
  • Seil
  • Skye
  • Tiree
  • Ulva
  • Baleshare
  • Barra
  • Benbecula
  • Berneray
  • Eriskay
  • Flodaigh
  • Great Bernera
  • Grimsay
  • Harris
  • Lewis
  • North Uist
  • South Uist
  • Scalpay
  • Vatersay
  • Arran
  • Bute
  • Great Cumbrae
  • Anglesey
  • Isle of Man
  • Scilly Isles
  • St Mary
  • Isle of Wight


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.

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.

Get a Island Dweller Insurance Quote

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