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Travel Insurance In The Isle Of Man

Living on our beautiful Island has many advantages, but it often means that we have to be aware that some UK service providers can’t give us a product that suits our Island needs. Instead we need to be looking for Manx products or those which are tailored to the Isle of Man.

One such product is Travel Insurance; many UK based policies won’t give us the level of cover we require. So it’s important to get a Holiday Insurance policy tailored to the Isle of Man. Below we’ve explained some of the vital reasons why getting a ‘local’ policy is beneficial for you:

Country of Origin

Many Annual and Single Trip Travel Insurance policies will cover you for Travel to and from the UK, however when you look at the geographical definitions for your country of origin, the UK won’t include the Isle of Man. This means that if you go across to England for a weekend and something happens while you’re away you may not be covered. Or it may mean that if you’re abroad they won’t pay the costs of getting you back to the Isle of Man, just what you’ve paid to get to the UK.

Therefore it’s really important to make sure that the definition in your policy wording for your country of origin, home or place of residence includes the Isle of Man.


Repatriation cover means that your Insurer will pay the costs for your body to be brought back home in the event of your death abroad.

It’s not the easiest topic to talk about, or one that you want to think of, but this is an important topic for us on the Isle of Man:

  • Over 6,200 British holidaymakers die abroad every year
  • It costs between £4,000 and £50,000 for a body to be repatriated to the Isle of Man
  • Most UK policies will cover repatriation back to the UK, but this often doesn’t include the Isle of Man, which defeats the purpose of this cover

Without adequate Travel Insurance you or your family would have to pay the huge costs of repatriation. Therefore it’s essential that your Travel Insurance policy includes repatriation back to the Isle of Man.

Trips to the UK

Many of us enjoy a weekend away to the UK, perhaps shopping or seeing friends and family, however this can sometimes be problematic for Travel Insurance. Due to the definitions in a policy wording, some Holiday Insurance may not cover you for this at all.

For Manx residents it is therefore important to get a policy that includes cover for trips to the UK. With our Annual Manxman Travel Insurance policy it includes cover for pre arranged trips to the UK of two nights or more.

What happens when something goes wrong?

When making a purchase online it’s often a worry about what happens if the product doesn’t deliver what it says it will. Insurance is no different. When you use a local broker it’s reassuring to know that if you have a problem or query you can call or visit us in branch. Go to our Contact Us page to find out how to get in touch.

With any of our policies, when making a claim you can be confident that although you will be dealing with your Insurers claims handling company you can always come to us with any concerns you may have or for further assistance.

Don’t pay more than you need to

Living in the Isle of Man means that we don’t have to pay Insurance Premium Tax (IPT), however most UK Insurers cannot remove this for Isle of Man residents. Our online quote system enables you to get a quote which is exclusive of IPT and therefore means that you’re not paying for something you’re not required to pay for.

How to get a Travel Insurance policy for the Isle of Man

Manx residents travelling to the UK and abroad need to make sure that they have suitable Holiday Insurance. Here are our top tips for getting a Travel Insurance policy that is tailored to the Isle of Man:

  • Go to a local company who understand Island requirements
  • Read through your policy documentation to make sure it’s suitable for you
  • If you’ve already got a policy but aren’t sure what cover you have, bring it in to us and we will help you understand it
  • If you’re buying an Annual Policy or Single Trip cover online, try to use a local supplier

What is a Manxman policy?

Kestrel Travel Insurance have a policy tailored to Island requirements; the Manxman Travel Insurance policy, which is available as an Annual policy, single trip cover, winter sports, cruise cover and long stay / gap year, is exclusively available through

Kestrel Insurance have been providing Manxman Insurance policies, including motor, home, pet and commercial, for over 20 years. They give Isle of Man residents essential cover and benefits that you wouldn’t get with most UK based policies. Additionally, Manx residents also often benefit from lower premiums just because they live on the Island. For more information about a Manxman product please contact us.

How do I get a Manxman policy?

You can get a Manxman Travel Insurance policy by following our quote process and selecting the Manxman policy. Simply select whether you would like Annual Cover or a Single Trip policy and follow the on screen instructions.

Alternatively you can Contact Us to discuss your Travel Insurance requirements. Our friendly team are based in our Douglas branch on the Isle of Man. You can also drop in to one of our branches in Douglas, Onchan and Ramsey.


Kestrel Travel Insurance is an official partner of the Foreign and Commonweath Office's 'Know Before You Go' campaign.

Kestrel Travel Insurance is a trading name of Kestrel Insurance Service Ltd. | Registered with the Isle of Man Financial Services Authority as an Insurance Intermediary in Respect of General Business. | Company Registration No. 42506. | Registered Address 50 Bucks Road, Douglas, Isle of Man, IM1 3AD | Copyright © Kestrel Insurance Services Ltd - 2012