Toad (In Norman French), used to describe a person from the Channel Island of Jersey. How it is interpreted is usually dependent upon who said it and in what context however this is mainly in a jokey manner from a Guernsey person to a Jersey person with little malice intended. They may then respond by calling the Guernsey person a donkey or less commonly an Anes (the Guernsey French alternative).
Guernsey Man: Oi Mick! get over here you bloney crapaud!
Jersey Man -walking over-: Oh shut up you old donkey!