Crossword Genius

Cheeky, swimming above the Isle of Wight? (8)

Ross

I believe the answer is:

insolent

I'm a little stuck... Click here to teach me more about this clue!

'cheeky' is the definition.
(I've seen this before)

'swimming above the isle of wight?' is the wordplay.
I cannot quite understand how this works, but
'the' could be 't' (the is pronounced as a 't' sound in some dialects) and 't' is located in the answer.
'isle' could be 'i' and 'i' is present in the answer.
'of' could be 'o' and 'o' is present in the answer.
This explanation may well be incorrect...

Can you help me to learn more?

(Other definitions for insolent that I've seen before include "Rudely disrespectful", "Cheeky", "Pert", "Brash", "Rude and disrespectful".)

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