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.
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.
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
arrangements. - 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.
FAQs
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 insure@islands.je
Islands Guernsey insure@islands.gg
Islands Alderney alderney@islands.gg
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,
