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FAQs

Product Selection:

Please note that this is a brief overview - For more information please call 711666.

Motor Insurance

ArrowWhat is the difference between Fully Comprehensive, Third Party Fire & Theft or Third Party Only cover?

Fully Comprehensive This covers loss or accidental damage to your own car, damage to third party vehicles or property and third party liability protection for injury or damage caused by an insured driver. Third Party Fire & Theft This covers damage to third party vehicles or property, third party liability protection for injury or damage caused by an insured driver, damage caused by fire and theft or attempted theft of the insured vehicle. Third Party Only This covers damage to third party vehicles or property and third party liability protection for injury or damage caused by an insured driver.

ArrowCan I drive my vehicle in Europe?

Most Private Car Policies will automatically cover you for a period of 60 or 90 days per trip in most EU countries. Please refer to your policy wording.

ArrowCan I drive a Private Car not belonging to me?

If you are over 25 and have held a Full Car Licence for at least 12 months then most Private Car Policies will automatically allow the Third Party Extension for the Policyholder only to drive someone else’s car with their permission.

ArrowIs a Courtesy Vehicle covered in the event of an Accidental Damage Claim?

You may be entitled to a Courtesy Car in the event of an Accident Damage Claim. Alternatively you can Hire a vehicle and we will endeavour to recover the costs as an Uninsured Loss.

ArrowIs cover for my Uninsured Losses/ Motor Legal Expenses Insurance Included?

Uninsured Loss Recovery and Motor Legal Expenses Insurance Cover is an optional cover provided by ARC Legal Assistance – this covers for Advisors costs to pursue damages arising from a road traffic accident and any out of pocket expenses incurred at the fault of a third party, e.g. policy excess or personal injury sustained at the fault of the third party.

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Cherry Godfrey Insurance Services Limited is licensed by The Guernsey Financial Services Commission.

Cherry Godfrey Insurance Services (Jersey) Limited is regulated by the Jersey Financial Services Commission in the carrying on of investment and general insurance mediation business.

Cherry Godfrey Insurance Services (IOM) Limited is registered with the Isle of Man Financial Services Authority as an insurance intermediary in respect of general business.
Registered in the Isle of Man No. 133544C. Registered Office: Aston House, 36 Hope Street, Douglas, Isle of Man, IM1 1RA. Directors David Cherry, Tanith Cherry, Tim Rattray, Colin Mitchell & Alexie McGrath.

Cherry Godfrey Finance (Isle of Man) Limited is registered with the Financial Services Authority under the Designated Business Act 2015 and licenced by the Office of Fair Trading under the Moneylenders Act 1991.

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