La Fraternelle operates in the Bailiwick of Guernsey either direct or through an agency with SPF Private Clients Ltd. In 1822, a number of persons formed and constituted in this island of Guernsey a Society called La Fraternelle Mutual Fire Insurance Society with the object of being a mutual company and a guarantee against the danger of fire and lightning for their buildings, furniture, cattle and gathered crops (but excluding monies and documents), for the term of three years.
Today the cover for the society’s policy remains mostly unchanged. The cover has increased over the years and members can now include cover for Subsidence, Accidental Damage and All Risks.
Buildings
• Fire Explosion & Lightning
• Storm (excludes damage to fences and aerials/satellite dishes, limit applied to felt roof)
• Aircraft or articles dropping there from.
• Malicious Damage (except if home unoccupied more than 30 days)
• Damage caused by escape of water
• Impact by vehicles or animals
• Falling trees (excluding damage to gates, fences, hedges)
• Flood/water Damage, excludes cover for properties in High Water Level areas or rooms below ground level
• Subsidence (£2000 claim excess applies)
• Accidental Damage
Contents
Damage caused by:
• Fire Explosion & Lightning
• Storm/Flood
• Malicious Damage (no cover if home is unoccupied more than 30 days)
• Escape of water (no cover if home is unoccupied more than 30 days)
All Risks
Unspecified Items/ Specified Items:-
• Personal effects
• Jewellery
• Laptops/iPads
• Valuables
• Mobile phones
• Cameras
• Sports equipment
• Musical instruments
• Hearing aids
• Clothing etc
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