SmartDelay Plus: Turning Surprise Delays into Relaxing Moments

Teamed up with Millstream, Islands Insurance brings you SmartDelay Plus.


Traveller at airport lounge using SmartDelay Plus service from Islands Insurance for a comfortable wait during travel delay.

Is your flight delayed? No worries. SmartDelay Plus gives airport lounge access or if a lounge is not accessible, a compensatory £25 cash deposit into your PayPal account.

Making Delays Easier

Peace of Mind from Millstream & Islands Insurance

No need to fret over flight delays. If your delay exceeds 90 minutes, SmartDelay Plus grants you access to a serene airport lounge or a handy £25 cash benefit if the lounge isn’t available.

Tailored for You

Your Comfort, Our Mission

SmartDelay Plus offers personalised options for every traveller. If the lounge isn’t available, £25 will be transferred to via a PayPal account instead. With surprises around every corner, we’ve got your travel plans covered.

Getting Your Benefits

Easy Help from Islands Insurance & Millstream

Claiming your SmartDelay Plus benefits couldn’t be easier. Simply register your flight on our website at least 24 hours before departure, and let us handle the rest.

Need a Hand?

Always Ready to Help

Have questions? Dial 0330 660 0581. We’re ready to assist, whether it’s about PayPal transactions, claiming benefits, or any other enquiry.


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

How do I get SmartDelay Plus benefits?

Register your flight on Millstream’s website before your journey.

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 doesn’t SmartDelay Plus cover?

SmartDelay Plus has certain exclusions. We recommend checking our terms and conditions for a comprehensive understanding.

Can I choose the cash option instead of the lounge?

Unfortunately not. However, our collaboration allows you to receive a £25 deposit to your PayPal account if the airport lounge isn’t available.

How do Islands Insurance and Millstream determine eligibility for SmartDelay Plus?

Eligibility depends on the timely registration of your flight via our website. We use up-to-date tracking of flight delays to ensure you receive the right benefits exactly when you need them most.

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.

Guernsey / Alderney