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 you?
Our contact details are:
Claims and Assistance Helpline +44 (0)330 660 0758
Travel Customer Services +44 (0)330 660 0758
Islands Jersey insure@islands.je
Islands Guernsey insure@islands.gg
Islands Alderney alderney@islands.gg
Medical Screening Service +44 (0)330 660 0758
What if my flight’s delayed?
With a delay over 90 minutes, you can unwind in a peaceful lounge or receive a £25 if the lounge isn’t available,
What sports and activities are included?
We cover a full range of sports and activities. Some are free of charge (Levels 1-3), and some are for an additional premium (Level 4). To see a full list of the sports covered, please look at the Millstream Policy Wording.
Where am I allowed to travel to?
You are covered for the areas you have a pick for travel. You can select this as you are undergoing a quote, and it can be found on your Policy Schedule.
Remember that cover will not be given if you travel to a place where the Foreign, Commonwealth and Development Office (FCDO) has advised against any or all but essential travel. We suggest you visit www.gov.uk/fcdo if you have any doubts before leaving.
Who’s looking after your Islands travel insurance?
We’ve teamed up with Millstream Underwriting Limited to bring you this travel insurance, and they’re working with AWP P&C SA to make sure you’re covered.
Will I need a visa to travel to Europe?
If you’re a tourist, you do not need a visa for short trips to EU countries, Switzerland, Norway, Iceland or Liechtenstein. You can stay for up to ninety days in any one hundred and eighty-day period.
If you visit more than one of these countries within one hundred and eighty days, check that you do not spend more than ninety days across all the countries you visit. That’s because many countries apply the ninety-day limit as a group.
There are different rules for Bulgaria, Croatia, Cyprus and Romania. They each have their separate ninety-day limits. The time you spend in other countries does not affect how long you can spend in each of these countries without a visa.
You may need a visa or permit to stay longer, to study, work or travel for business.
Am I insured if I am pregnant?
Yes, as long you are not travelling less than twelve weeks before or twelve weeks after your expected due date. Please note, however, that your policy only covers unexpected complications of pregnancy and not costs associated with normal pregnancy or childbirth.
Am I covered if my travel provider goes into liquidation?
Right now, there is no cover under our policies for the financial failure of an airline or tour operator. We do not add a cover under our policies as there is an increased level of consumer awareness in the event of end supplier failure and the protection provided by:
- The Package Travel and Linked Travel Arrangements Regulations 2018.
- Credit card protection under Section 75 of the Consumer Credit Act (if you pay for your trip with a credit card)
- Tour operator protections under ATOL.
You can take a look at our refund policy page for more information and advice on protecting themselves against a supplier unable to fulfil a booking due to financial failure.
