Benefits included as standard*
Some of the benefits offered under our in-house Comprehensive, Third Party Fire & Theft and Third Party only motorcycle 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.
You are covered to ride as many motorcycles as you want on our Riders policy, at no extra cost.
Up to 50% no claims discount on your islands motorcycle insurance
Help and assistance, 24 hours a day, through our free emergency helpline.
*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 Motorcycle in the event of accidental damage - even if you were at fault | |||
| Repair or replacement of your Motorcycle if it is damaged by fire, theft or if it is stolen | |||
| European Breakdown cover, Home start, roadside assistance, roadside repair, vehicle recovery and onward travel included as standard, at home and abroad | |||
| Motor legal expenses and protection | |||
| Automatic cover to drive in the UK and Europe for up to 14 days | |||
| No Claims Bonus | |||
| No excess or loss of No Claims Bonus if you're involved in an accident where an uninsured driver is at fault | |||
| Costs for injury to other people or damage to property |
*applies to most policies, subject to terms and conditions.
Extras
Extended foreign use
We can extend your policy for trips longer than 14 days in Europe or the UK. Contact one of our brokers for more details.
Multi-motorcycle policy
Cover to ride as many motorcycles as you want on our Rider policy, at no extra cost.
Temporary additional riders
We can add someone onto your Riders policy on a temporary basis if you are lending them your bike.
*applies to most policies, subject to terms and conditions.
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 motorcycle insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
Can I remove breakdown cover / Foreign use to bring the price down?
- For NFU Mutual policies: Breakdown cover and foreign use cover are included as standard and can’t be removed.
- For other insurers: These covers may be optional and can be removed upon request.
What is Motor Legal Protection?
Motor Legal Protection helps cover legal costs if you’re in a road accident that wasn’t your fault. It can help recover:
- Your policy excess.
- Compensation for personal injury.
- Lost earnings.
- This applies only if there’s a better than 51% chance of your claim succeeding.
Additional cover includes:
- Motor Prosecution Defence if an event leads to you being prosecuted for an offence in connection with using or driving the vehicle.
- Motor Contract Disputes – arising from purchase, sale, hire or service of the vehicle.
- Replacement Vehicle Hire – if the vehicle cannot be driven; and the accident was entirely the other person’s fault.
- Helpline Services.
