Our Vehicle Insurance Products
We offer a wide range of vehicle insurance policies so we’ve got you covered no matter what you drive.
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.
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.
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.
