Enhanced levels of cover as standard*
Our Personal Watercraft & Jet Ski policies provide a wealth of benefits as standard.
All Risks Cover
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
Road transfer covered
*applies to most policies, subject to terms and conditions.
Optional Extensions
We provide enhanced benefits and offer optional extensions.
Water-skiing, wakeboarding and towing of inflatable toys liability 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.
Do you sell standalone excess protection insurance?
No, excess protection insurance is not available through our insurers at this time.
Am I covered “new for old”?
Most policies cover contents on a “new for old” basis, meaning damaged items are replaced with new ones.
However, some insurers may settle claims based on the item’s current value.
To check your cover, review your policy schedule and wording or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
Do I have accidental damage cover?
Most insurers include accidental damage cover, but exclusions may apply.
To check your cover, review your policy schedule and wording or if you need help, visit https://www.islands.insure/contact-us/ to get in touch.
