Enhanced levels of cover as standard*
Our Commercial & Fishing Boat policies provide a wealth of benefits as standard.
Cover for Hull, including machinery & equipment
Legal liabilities to Third Parties for up to £5,000,000 any one accident
Passengers liability up to £5,000,000 any one accident
Personal property and valuables on board
Crew Welfare, Personal Accident and Medical cover
Protected No Claims Bonus
Underwater Machinery Damage cover
Loss or damage whilst in transit by road
No excess will apply when the vessel is moored in a marina berth
Legal expenses cover with a 24 hour helpline
Cover for vessels being navigated single handed
Repair or replacement up to the agreed sum insured
Loss of earnings cover following a claim
Machinery breakdown or damage cover
*applies to most policies, subject to terms and conditions.
Optional Extensions
We provide enhanced benefits and offer optional extensions.
Professional charter and commercial use cover
Crew and Employers liability cover for unpaid and paid crew
Protection and Indemnity cover
Catch cover following total loss of vessel caused by fire
Hired equipment cover
Fishing gear cover
*applies to most policies, subject to terms and conditions.
Why choose Islands?
Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.
Established and Experienced
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Communication that works for you
Pop into our office, speak to us on the phone, send an email, or browse through our website.
Flexible policies, offering quality protection
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
Investing in our Community
We are proud to support the local community through several sponsorships and partnerships. Helping to protect our rich heritage and take care of our beautiful islands.
Local Claims Team
Friendly, experienced local claims team giving guidance and help when it matters most.
Multi-policy discount
Available if you have more than one policy with us.
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 our insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Can I spread the cost by paying monthly instalments?
We offer a Premium Instalment Plan which is a credit agreement that allows you to pay your insurance policy over time. This isn’t a direct debit; rather, it’s a structured finance option, giving you the flexibility to spread payments in a way that best suits you.
Do you sell standalone excess protection insurance?
No, excess protection insurance is not available through our insurers at this time.
What are your opening hours?
- Jersey and Guernsey: 9:00 till 17:00 Monday to Friday.
- Alderney: 8:30 till 16:30 Monday to Friday
Articles & guides
Before you cast off, make sure you’ve completed the Boat Owners Checklist.
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