150 years of proudly serving the Bailiwick of Guernsey

La Fraternelle are delighted to have served the islands of the bailiwick for over 150 years.

A prompt policy service that gets you covered

The team at La Fraternelle will deal with your application and claims promptly on receipt ensuring you receive the service you deserve.

96% of our customers would recommend us to a friend

Research undertaken show that 96% of customers would recommend La Fraternelle to their friends. .


La Fraternelle Home Insurance

On October 16th, 1820, a number of persons formed and constituted in this Island of Guernsey a Society called La Fraternelle with the object of being a Mutual Insurance and guarantee against the danger of Fire and Lightning for their Houses, Buildings, Furniture, Cattle and gathered Crops.

Company History

serving the islands for over 100 years
  • 1820
  • A Guernsey society is formed

    On October 16th 1820, 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.


  • 1912
  • Society renewed for an unlimited term

    The said society was then renewed by terms of three and five years until the 1st October 1912. At the general meeting of the members held on 18th September 1912, it was resolved to renew the Society for an unlimited term to begin on 1st October 1912.


  • 2003
  • The society adapts

    Today the cover for the society’s policy remains mostly unchanged but in 2003 it was decided to no longer offer cover for cattle, horses and small crafts. The cover has increased over the years and members can now include cover for Subsidence, Accidental Damage and All Risks.


  • 2005
  • La Fraternelle expands

    In February 2005 a meeting was arranged between La Fraternelle and the Guernsey Alliance Insurance Society as they were looking to cease trading and it was agreed that La Fraternelle would takeover their company on 1st December 2005. The 700 of the GAIS policies would then be merged into La Fraternelle. Four of their directors expressed a wish to join the board of Directors and they were accepted onto the board on 1st November 2005.