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Car Insurance Quote

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  • 1. Vehicle Details

  • 2. Driver Details

  • 3. Policy Details

  • 4. Your Quote

You must be a Guernsey or Jersey resident aged 23 years or over. Or an Isle of Man resident aged 17 years or over to use our online system for car insurance.

Search here for your vehicle.

Where you'll find this information

If you're unsure, check your vehicle registration certificate

Where you'll find this information

If you're unsure, check your vehicle registration certificate

No Grey Imports • No Vehicles before 1985

Your selected vehicle

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Make- Model-
Year- Engine-
Doors- Fuel-
Transmission- Group-

Your vehicle details.

Where you'll find this information

Address where vehicle is usually kept. If you're unsure, check your vehicle registration certificate

Please enter the date of purchase.

Please enter the date the vehicle was first registered.

Please note

This should be the approximate market value of the car at present, to the nearest pound. This should not be the original price paid.

Legal car owner

You must be the registered owner of the car to get a quote.

Motor Homes

Sorry we cannot insure motor homes

Add Modification

What counts as an alteration/modification?

Any changes to the body or engine of the vehicle that were not manufacturer-supplied eg. Engine, Body, Wheels, Suspension, Exhaust, Seats.If you are unsure what a modification or alteration is, please call us.

Enter Policy holder details

What will this be used for?

Your email address will be used to contact you with regards to your policy, as well as for sending your policy documents and for retrieving your quote.

What do I put here?

Please enter any middle names you have.

Company Policy

Is this policy for a individual or for a company.

Please enter the name of the company the policy is to be in the name of.

Your contact address information

Please ensure that this is a valid Channel Island or Isle of Man address.

Your contact address information

Please ensure that this is a valid Channel Island or Isle of Man address.

Your contact address information

Please ensure that this is a valid Channel Island or Isle of Man address.

Your contact address information

Please ensure that this is a valid Channel Island or Isle of Man address.

Please remember to include your island dialling code

Please be aware...

For Channel Islands the minimum age is 23
For Isle of Man minimum age is 17

Please be aware...

we only accept Licences that have been issued in Jersey, Guernsey, United Kingdom, Isle of Man, or the E.U. We do not accept any International Driving Licences or International Driving permits.

Please enter the date you gained your licence.

Where to find this?

Usually available on your driving licence

Failure to disclose past, pending or current convictions or claims will result in your policy being cancelled.

What claims must I declare?

You must notify us of any claims you have made or have been made against you.

Failure to disclose past or pending claims will result in your policy being cancelled.

IMPORTANT A CLAIM AT FAULT IS ALSO, WHERE YOUR INSURER HAS PAID A CLAIM ON YOUR POLICY AND HAS NOT BEEN ABLE TO RECLAIM THE COST. IRRESPECTIVE OF WHETHER YOU THINK YOU WERE AT FAULT OR NOT.

ALL POLICIES ARE CHECKED ON A NATIONAL DATABASE TO VERIFY CLAIMS INFORMATION

Add Claim

What counts as a conviction?

You must notify us of any convictions you have, pending or currently disqualified even if over 5 years,

Failure to disclose past, pending or current convictions will result in your policy being cancelled.

Add Conviction

What counts as a criminal conviction?

A criminal conviction refers to a legal determination by a court that someone is guilty of committing a crime, which can include offenses such as theft, assault, fraud, drug offenses, and many others.

You must notify us of any criminal convictions you have, pending or final even if over 5 years,

Failure to disclose past, pending or current criminal convictions will result in your policy being cancelled.

What does this include?

This applies to any person who may drive having lost an eye, limb or part of a limb, defective vision or hearing, any physical or mental infirmity, epilepsy, or any heart or other complaint.

Add Medical Condition

Please enter your job description. This will generate a list from which you can select the most appropriate description.

For example: If you work in a call centre, you should enter Telesales Person  or Customer Advisor.

NB: If you have entered only part of your job description and you are unable to find your job in the list, please enter more characters to refine the list.

Secondary Occupation

Does this person have a secondary occupation?

Please enter your job description. This will generate a list from which you can select the most appropriate description.

For example: If you work in a call centre, you should enter Telesales Person  or Customer Advisor.

NB: If you have entered only part of your job description and you are unable to find your job in the list, please enter more characters to refine the list.

Additional drivers

Any Driver over 25 cover, is limited to a max Group 24 car. Any unnamed Driver under 30 will be restricted to Third Party cover ( i.e. No Own damage cover will apply).

Add Driver

What drivers can I add to my policy?

You can add up to 3 named drivers (subject to underwriting).

Note: They must be 23 or over.

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Choose your level of cover

You can cover yourself for the following levels:

Comprehensive cover

This is the highest level of cover, which covers you for:

  • accidental damage to your car
  • fire damage and/or theft of your car
  • your legal liability for accidents caused by you or your additional drivers
  • injuries to other people and damage to property

Third Party, Fire and Theft (TPFT)

This covers you for:

  • fire damage (Excluding Fire caused by Vandalism, Arson or Malicious Damage) and/or theft of your car
  • your legal liability for accidents caused by you or your additional drivers
  • injuries to other people and damage to property

Third Party Only (TPO)

This covers you for:

  • injuries to other people and damage to property

Business Use

Will the vehicle be used for the purpose of carrying out business activities (not including commuting to your regular place of work)

Business Mileage

Please provide an approximate business mileage over the year to the nearest thousand.

Important

No Claims Bonus can only be used on one vehicle at one time. i.e. if you already insure a vehicle and have earned no claims bonus, it CANNOT be used for other vehicles, unless it is being transferred to the new vehicle. No claims bonus has to be in the policyholder's name. No claims bonus expires if it is not used within 2 years.

Failure to prove stated no claims could invalidate your policy.

Proof WILL be required

Protect your no claims bonus

You are eligible to protect your no claims bonus (NCB) (subject to proof of earned being 3 years or more).

This means that, you could have up to 1 claim in a policy period, without it affecting your no claim bonus. If you have 2 claims in a policy period, your bonus would be reduced to 2 years. The cost for this option is 10% of your premium.

If you elect not to purchase this option. In the event of a claim your no claims bonus will reduce to 2 years or less. In the event of 2 claims within the policy period your no claims bonus will revert to zero.

Annual Mileage

Please provide an approximate mileage over the year to the nearest thousand.

DAS legal protection

DASDrive Plus Legal Protection

To help you if a motor accident is not your fault and you have suffered an injury or incurred other losses (policy excess, hire car costs etc) which are not covered under your motor insurance policy.

For just £ you can add DASDrive legal protection.

Find more information in the Insurance Product Information Document.

Not sure why you need legal protection? Find out more in this helpful video.

DAS legal protection

DAS Breakdown Cover

For just £ you can have annual breakdown cover which includes CI, IOM, UK and Europe.

Breakdown cover commences 48 hours after policy inception.

Find more information in the Insurance Product Information Document.

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Ross-Gower Group Limited is a Guernsey registered Company No 20027. Licensed by the Guernsey Financial Services Commission to advise on all classes of General Insurance. Ross Gower Group Limited is regulated in Jersey by The Jersey Financial Services Commission in the carrying on of general insurance mediation business.

Our registered office is; PO Box 2, Insco House, Rohais, St Peter Port, Guernsey, GY1 3AA.