Annual Holiday Insurance
If you know you’ll be taking multiple trips in a year; annual travel cover may be right for you. If you’re unsure whether you’ll get away more than once, try our single trip cover.
Our standard annual travel insurance covers most eventualities of a basic holiday or business trip. However, if you’re taking a very expensive trip or undertaking unusual activities, our bespoke annual multi-trip insurance may be for you.
Benefits included as standard
Our annual travel insurance policies include a great range of free benefits as standard.
Turning Surprise Delays into Relaxing Moments
24/7/365 medical, travel and security assistance. Real-time alerts, country reports and helpline.
Each client will have their documentation securely delivered to their own personal safety deposit box inside the digital equivalent of a Swiss Bank vault.
Save money at the car hire desk and dovetailing the vehicle repatriation cover.
Why choose Islands?
Our locally-based team is dedicated to providing a specialist and personal service, to give you peace of mind with insurance cover for the things that matter.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products, designed and rated, that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnership which help to protect our rich heritage and take care of our beautiful islands.
Levels of cover
Find out what’s included in each of our policies.
| Features in our Levels of Cover | Prestige - Single trip | Prestige - Annual Multi Trip | Bespoke - Annual Multi Trip |
| Cancellation and Curtailment cover per person *Additional charges may apply. | £5,000 - £7,500* | £5,000 - £7,500* | £15,000 |
| £10,000,000 of emergency medical expenses | |||
| £2,000,000 of Personal Liability cover | |||
| £50,000 of Legal expenses | |||
| £1,500 of hire car excess reinbursement including lost key cover up to £500 | |||
| Stranded passenger - Automatic airport lounge access after a two hour delay | |||
| Inclusive cover for a huge range of non terminal medical conditions (subject to policy terms) | |||
| Political unrest and natural catastrophe expenses compensation, up to £50,000 (£10,000 per person) | |||
| Cover for business trips / work abroad including manual work | |||
| Winter sports cover | |||
| Replacement passport and visa Cover | £500 | £500 | £1000 |
| Age limit when taking out the policy | Up to and including age 85 | Up to and including age 75 | Up to and including age 75 |
| Maximum length of trip | 180 days | 90 days | 90 days |
| Personal accident benefit | £25,000 | £25,000 | £50,000 |
| Hospital admission benefit | £50 per day up to a maximum of £500 | £50 per day up to a maximum of £500 | £100 per day up to a maximum of £1,000 |
| Delayed departure | £50 every 12 hours up to £500 | £50 every 12 hours up to £500 | £100 every 12 hours up to £2,500 |
| Enforced stay / Additional travel and accommodation costs | £1,000 | £1,000 | £2,000 |
| Missed connection costs | £1,000 | £1,000 | £1,500 |
| Lost or stolen baggage | £2,500 (single item limit £500) | £2,500 (single item limit £500) | Optional - If included £3,500 (single item limit £750) |
| Delayed baggage (after 12 hours) | £150 | £150 | £250 |
| Money | £500 | £500 | Optional - If included £700 |
Extras
Student Travel
Cover for baggage for students travelling between Channel islands homes and UK or European universities
Golf equipment
We can extend your policy to include golf equipment up to £5,000; single item limit £1,000 including golf equipment hire.
Cancellation Cover
Cover can be extended for your once-in-a-lifetime trip, up to £7,500 per person
Wherever you travel, we’ve got you covered
Our comprehensive annual European travel insurance for families start from as little as £155 and includes great features as standard.
Who is covered
Our standard policy covers *any person aged up to 75 years.
*Including dependents up to 21 years of age, or up to 25 years of age if in full-time education, whether travelling with the main policyholder or own their own.
What you are covered for
- Trip Cancellation/Curtailment: We cover prepaid travel and
accommodation costs. - Emergency Medical Expenses: We cover medical costs during your trip.
- Personal Accident: We pay for illness or injury expenses during your trip
- Travel Disruption: Compensation for delays and cancellations.
- Political Unrest/Natural Catastrophe Evacuation: Safe evacuation during crises.
- Collision Damage Waiver: Covers car rental accident costs.
- Winter Sports: Protects winter sports equipment and
arrangements. - Missed Departure/Connection: Covers missed flights due to
various reasons. - Business Travel: Expenses for staff replacement and more.
- Uninhabitable Accommodation: Alternative accommodation due to disasters.
- Personal Liability: Covers damages to third parties or property.
- Legal Expenses: Handles legal costs and representation.
- SmartDelay Plus: Lounge access or cash for flight delays.
- Delayed Baggage: Reimbursement for delayed baggage.
- Loss of Passport/License Expenses: Compensation for replacements.
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.
Islands recognise that Channel Islanders travel more frequently and have designed a market leading policy, incorporating many enhanced benefits tailored purely for Channel Islanders. To enable us to offer this tailored policy, we have partnered with Millstream, a specialist travel provider in the London market. Additionally, for our clients peace of mind, Islands’ new policy is financially backed by Allianz, one of the biggest Insurers in the UK market place today.
FAQs
Have a question about your travel insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
How can I contact Millstream?
You can contact Millstream at:
- Claims and Assistance Helpline:+44 (0)330 660 0758
- Travel Customer Services: +44 (0)330 660 0758
- Medical Screening Service: +44 (0)330 660 0758
For more details, log in to your portal.
What if my flight’s delayed? How can SmartDelay Plus help me?
If your flight is delayed by more than 90 minutes, you can relax in an airport lounge. If a lounge isn’t available, you may get £25 instead.
What sports and activities are included?
Millstream covers a wide range of sports and activities. Some are included for free (Levels 1-3), while others (Level 4) require an extra fee.
For a full list of covered sports, check the Millstream Policy Wording. Click here to find out more.
Where am I allowed to travel to?
Your cover applies to the areas you selected when getting your quote. You can find these details in your Policy Schedule.
However, there’s no cover if you travel to a destination where the Foreign, Commonwealth & Development Office (FCDO) advises against all or non-essential travel. If you’re unsure, check www.gov.uk/fcdo before you go.
Am I insured if I am pregnant?
Yes, you’re covered if you travel more than 12 weeks before or after your due date and your doctor hasn’t advised against it.
However, the policy only covers unexpected pregnancy complications, it does not cover routine costs related to pregnancy or childbirth.
Am I covered if my travel provider goes into liquidation?
No, Millstream’s policies don’t cover airline or tour operator financial failure. This type of cover isn’t included in their policies.
