Guernsey's Go-To for Car Insurance
Quick, simple signup giving you comprehensive cover for accidents, theft, and more.
Get Insured NowDrivers love us, and they're not shy about it!
From quick claims to fully comprehensive coverage, our customers share how we've made their driving experience safer and happier. Join our satisfied drivers.
Jay was extremely helpful and knowledgeable, allowing us to swiftly move our house insurance for a fraction of the renewal price quoted elsewhere (after 14 years with no claims). Thank you Jay and Oracle for working through these unprecedented times!
Charlotte
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Brilliant service once again. I enquired about house insurance on a Friday afternoon as our renewal premium had more than doubled! Oracle not only came back with a quote out of hours, but we’re now paying a third of the renewal quote! We wouldn’t go anywhere else for our mortgage, life or house insurance.
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By moving our mortgage with Oracle we were able to save over £500 per month. During a time of economic uncertainty, this has offered us financial flexibility now, and peace of mind moving forward.
Luke
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Lorna, thank you for all your help with our mortgage and loan so we could get our property. We are so thankful and will never forget all the help, advice and excellent level of service you provided.
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Oracle got a significantly cheaper quote for us! Highly recommended.
Hannah C
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What makes car insurance worth it?
Picture this: you scrape your car against a granite wall, or someone bumps into you at a traffic light. That sinking feeling? Gone. Our insurance protects you against theft, accidents, and those tiny scratches that seem to appear from nowhere. Day or night, we're here to support you if something goes wrong. It's not just about meeting legal requirements—it's peace of mind.
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Your policy, when you need it
Need to make a claim? Access, view, or manage your policy details online with just a few clicks. Your insurance, under your control, anytime, anywhere.
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Approval in 3 Simple Steps
A quick and easy way to get insured in 24 hours.
Need to know more?
Get answers in less time than it takes to find a North Beach parking space.
Do I have to tell insurer if my car is modified?
Yes, all modifications must be declared to avoid invalidating your insurance cover.
Can I get a loan car if my vehicle is being repaired following a claim?
Insurers providing a loan car typically do so through approved repairers. If you choose a non-approved repairer or your insurer lacks this option, you might be able to claim the cost back, provided the accident wasn’t your fault.
Can I drive after a medical procedure?
You can drive post-procedure as long as it doesn’t contravene your medical practitioner’s advice. Ignoring medical guidance could lead to your insurance being voided.
Am I covered to take my car to UK / Europe and for how long?
Travel to the UK or Europe is generally covered, up to 30 days for the UK and 60 days for Europe. For precise details, consult your policy or contact us at 01481 721144.
What is an excess and can I remove this?
An excess is the first part of a claim that you’re responsible for. While standard excesses are fixed and non-removable, they can be increased to lower premiums. Options to recoup any paid excess are available.
Will I lose my no claims bonus if I claim?
Your no claims bonus remains intact with Protected No Claims Bonus even after a claim, except in cases of multiple claims. If the claim is non-fault and recouped from a third party, your bonus isn’t affected. Unprotected bonuses could be reduced or lost for at-fault claims or those not reclaimed from a third party.
