Vehicle Insurance

Insurance that drives your business

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Why insurance for your business vehicle is important

If you own or operate a business of any size across the Channel Islands, Islands can ensure you have the appropriate insurance for your needs. Whether you need to cover a fleet of vehicles, or just one van, it’s important to make sure that you have the appropriate commercial vehicle insurance. 

It can sometimes be a tricky process taking out insurance for your business, but at Islands our professional team are here to help you get the coverage you need. Not having the appropriate level of coverage on your business vehicles can leave you vulnerable and open to unnecessary risks that can become a costly burden in the unfortunate event that something goes wrong. Call our friendly team today to discuss your coverage needs. 

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Motoring Peace of Mind

Our comprehensive and third-party policies include a great deal of free benefits as standard to give you motoring peace of mind.

*Your vehicle must not weigh more than 3.5 tonnes gross weight vehicle mass, or be over 5.5 metres (18 ft.) in length or 2.3 metres (7ft. 6in.) wide. Any caravans or trailers attached to your vehicle must not exceed 7.6 metres (25 ft.) in length.

Benefits at home and abroad

  • Breakdown cover*
  • Home start
  • Roadside assistance
  • Roadside repair
  • Vehicle recovery
  • Onward travel
  • 24-hour helpline

Expert Insurance for Your Needs

Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.

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FAQs

Have a question about your business vehicle insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

Does my “Driving other cars” extension allow me to drive in the UK/Europe?

If included on your Certificate of Motor insurance the “Driving other cars” extension does apply, please check your policy wording for full details. We must however note the cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

Am I covered for business use?

Business cover will be included automatically for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address. Exclusions do apply, so please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD) or check your Certificate of Motor Insurance

Do I have “Driving other cars”?

“Driving other cars” is a standard inclusion under most of our motor policies and allows the policy holder only, to drive vehicles not owned or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation. To find out if you have “Driving other cars”, check your Certificate of Motor Insurance. The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

Can I add a temporary vehicle to my policy?

Yes, policyholders can add temporary additional vehicles to their policy. The charge will be dependent on the details you provide. For more information please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Jersey
Guernsey / Alderney