House insurance with solid foundations
Ensure protection for your house and belongings. Weather the storm of the unexpected with Oracle.
Get Insured TodayTrusted by Guernsey homeowners
Discover why our customers are so happy with their home insurance.
Jay has been really helpful with all of our insurance policies from home to motor. The way Oracle’s system works with the portal is so easy to use I couldn’t recommend them highly enough.
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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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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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From start to finish Conor and the team were quick, friendly and always happy to answer any questions which in turn lead to our mortgage being approved. Great level of service, thank you.
Kris & Emma
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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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Your home, our priority
Our home insurance protects what matters most to you. Keep the financial damages from water, theft, or fire to a minimum with our coverage policies. We tailor our policies to you, so you only pay for what you need. Peace of mind is guaranteed with our broad range of cover options. Whether you are looking to cover your house, contents or renovation works, choose us for reliable, hassle-free protection that keeps your home and heart secure.
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Protect your home today
In less than 24 hours, get a quote that fits your home like a glove.
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Manage your policy online
Managing your policy has never been easier. Log in to your account to access your documents or make a claim anytime, anywhere.
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A straightforward process, with support at every turn.
Your Questions, Answered
All you need to know about home insurance, in an instant. Chat with us to find out more!
Are my possessions covered away from the home or when I am away?
If you’ve added personal possessions cover, your items are insured worldwide up to the specified limit. There’s a single article limit; for details, see your policy schedule or call us on 01481 721144.
What are "Personal Possessions"?
Personal possessions include items you commonly take outside your home, such as jewellery, clothing, camera equipment, and mobile phones. Limits apply—refer to your policy schedule or contact us at 01481 721144 for information.
Am I covered to replace items at new value?
Yes, your cover includes replacement at new value on a ‘like for like’ basis. Terms may apply, so please consult your policy schedule and wording or call 01481 721144.
Are my bicycles covered away from the home?
Coverage for bicycles away from home varies by insurer. Some policies may exclude or limit bicycle coverage. To include bicycle cover, check your schedule or call 01481 721144.
What is an excess and can I remove this?
An excess is the amount you pay towards each claim. Standard excesses are fixed but can be increased to lower premiums. Options to reclaim any paid excess are available.
What happens if my property is empty while I'm on holiday?
Your policy allows for a certain period of unoccupancy, usually 30 days, without needing to notify us. For longer periods, terms and restrictions apply. For details, see your policy or call 01481 721144.