Benefits included as standard*
Some of the benefits offered under our in-house Comprehensive, Third Party Fire & Theft and Third Party only motor policies are designed with Channel Islanders in mind.
Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad.
Help and assistance, 24 hours a day, through our free emergency helpline.
Get up to a 65% discount on your policy with a No Claims discount of 5 years or more.
We make life easier for you and prevent hassle in the event of a claim, by never restricting how far you can drive in a year.
*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.
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 with this in mind that can be individually tailored for your needs.
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.
Friendly, experienced local claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.
Levels of cover
Find out what’s included in each of our policies.
| Features in our Levels of Cover | Third Party Only | Third Party, Fire & Theft | Comprehensive |
| Repair or replacement of your car in the event of accidental damage - even if you were at fault | |||
| Repair or replacement of your Windscreen, windows and sunroof in the event of accidental damage | |||
| Replacement keys, lock transmitter and locks if your keys are stolen | |||
| Repair or replacement of your car if it is damaged by fire, theft or if it is stolen | |||
| Complimentary loan car included with our approved repairer service* | |||
| European breakdown, Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad | |||
| Motor legal expenses and protection | |||
| Cover to drive in the UK for up to 30 days and Europe for 60 days | |||
| Costs for injury to other people or damage to property | |||
| No excess or loss of No Claims Bonus if you're involved in an accident where an uninsured driver is at fault |
*applies to most policies, subject to terms and conditions.
Extras
Adding additional drivers
You can add additional drivers on a temporary or permanent basis here, or simply call one of our brokers who can assist.
Multi-car discounts
We offer a variety of multi-vehicle discounts for people who have more than one vehicle insured with us.
Temporary period car insurance
If your car is off the road, broken down, or up for sale, we can add another vehicle on a temporary basis to your existing policy. Contact us for more details.
*applies to most policies, subject to terms and conditions.
Approved Repairer Service
In addition to your policy cover, as an Islands Insurance customer you have access to the benefits of our approved repairer service:
*applies to most policies, subject to terms and conditions.
The benefits
- There’s no need for you to obtain repair quotes
- Repairs will be completed as soon as possible
- Complimentary loan car
- Your car can be collected and returned to you, cleaned inside and out
- Repairs are guaranteed for 3 years
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 car insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
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
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.
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.
