Travel Insurance

See the world with Insurance you can trust. Get a quote online in minutes, so that you can save money and time to spend doing the things that really matter.

Partnered with Millstream, a specialist Travel Insurance provider


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View from an airplane window during flight, showcasing a clear sky with soft gradients of blue, a sea of white clouds below, and a wingtip with a red accent against the horizon, evoking the need for Travel Insurance.

Please be aware that under Section 10 (Missed Departure) and Section 9 (Travel Disruption), there is no coverage for trips arranged or insurance taken out less than 48 hours before the intended outward journey.

Our Travel Insurance Products

We offer a wide range of travel insurance policies,  through our partner Millstream, so we’ve got you covered no matter where you are in the world.

Please note we now only provide travel insurance online. Once your quote and payment are complete, you will conveniently receive your paperwork and important information via email and private portal.

Looking for something more specific?

If you want a superior level of coverage we would recommend our Bespoke Annual Policy.

More information

Wherever you travel, we’ve got you covered

Our comprehensive annual European travel insurance for families starts from as little as £155 and includes great features as standard.

Find out more

What you are covered for

  • Trip Cancellation/Curtailment: We cover prepaid travel and
    accommodation costs.
  • Emergency Medical Expenses: We cover medical costs during your trip.
  • Personal Accident: We pay for illness or injury expenses during your trip
  • Travel Disruption: Compensation for delays and cancellations.
  • Political Unrest/Natural Catastrophe Evacuation: Safe evacuation during crises.
  • Collision Damage Waiver: Covers car rental accident costs.
  • Winter Sports: Protects winter sports equipment and
  • Missed Departure/Connection: Covers missed flights due to
    various reasons.
  • Business Travel: Expenses for staff replacement and more.
  • Uninhabitable Accommodation: Alternative accommodation due to disasters.
  • Personal Liability: Covers damages to third parties or property.
  • Legal Expenses: Handles legal costs and representation.
  • SmartDelay Plus: Lounge access or cash for flight delays.
  • Delayed Baggage: Reimbursement for delayed baggage.
  • Loss of Passport/License Expenses: Compensation for replacements.

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.

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Have a question about our travel insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

Can I pay by Direct Debit?

We do have Direct Debit facilities. To find out if you are able to pay for your policy by Direct Debit please call one of our Brokers on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

Who’s looking after your Islands travel insurance?

We’ve teamed up with Millstream Underwriting Limited to bring you this travel insurance, and they’re working with AWP P&C SA to make sure you’re covered.

What do I have to let you know?

To ensure you have the full benefit cover, in case you need it, you must answer the quote questions accurately and to the best of your knowledge. Please remember you aren’t answering on your behalf but also of anyone on your policy.

If there are any changes to your health during your policy, you need to contact the medical screening team at 0330 660 0758. Please note, Millstream may charge you additionally. Suppose you don’t contact us, it can leave you with no right to make a claim and may mean that you travel with insufficient cover.

How can I contact you?

Our contact details are:

Claims and Assistance Helpline +44 (0)330 660 0758
Travel Customer Services +44 (0)330 660 0758
Islands Jersey
Islands Guernsey
Islands Alderney
Medical Screening Service +44 (0)330 660 0758

If my Doctor says I’m fit to travel, do I still need to tell Millstream my medical conditions?

Millstream has a set of questions to understand if you need to declare your medical conditions to us; you can find these questions on the second page of the policy quote process.

You don’t need to declare your conditions if it appears on the list of automatically covered conditions. You can find a complete list of these on the second page of the policy quote process and in the Millstream Policy Wording.

Please note that we can only cover conditions which have a complete diagnosis by a medical practitioner.

What if my flight’s delayed?

With a delay over 90 minutes, you can unwind in a peaceful lounge or receive a £25  if the lounge isn’t available,

Articles & guides

Take the stress out of travelling with our handy guides.

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Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney