Prestige Annual Travel Insurance

See the world with insurance you can trust. Coverage for an unlimited number of trips per year, and up to 90 days in any one trip!

Partnered with Millstream, a specialist Travel Insurance provider.

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Islands Travel policies has been enhanced to help you stay protected against your future trips being disrupted by Covid-19 or other pandemic issues. Find out more


Annual Holiday Insurance

If you know you’ll be taking multiple trips in a year, annual travel cover may be right for you. If you’re unsure whether you’ll get away more than once, try our single trip cover.
Our standard annual travel insurance covers most eventualities of a basic holiday or business trip. However, if you’re taking a very expensive trip or undertaking unusual activities, our bespoke annual multi-trip insurance may be for you.

Benefits included as standard

Our annual travel insurance policies include a great range of free benefits as standard.

Free airport lounge access

Stranded passengers will have global access to lounges following a 2-hour delay of registered flights. Access will be automatically delivered to your mobile/tablet.

360 assistance

24/7/365 medical, travel and security assistance. Real-time alerts, country reports and helpline.

The Wallet

Each client will have their documentation securely delivered to their own personal safety deposit box inside the digital equivalent of a Swiss Bank vault.

Inclusion of a collision damage waiver

Save money at the car hire desk and dovetailing the vehicle repatriation cover.

Looking for something more specific?

If you’re a first class traveller and want a superior level of coverage, then we would recommend our Bespoke Annual Policy.

More information

Why choose Islands?

Our locally-based team is dedicated to providing a specialist and 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, that can be individually tailored for your needs.

Investing in our Community

We are proud to support the local community through several sponsorships and partnership which help to protect our rich heritage and take care of our beautiful islands.

Levels of cover

Find out what’s included in each of our policies.

Features in our Levels of CoverPrestige - Single tripPrestige - Annual Multi TripBespoke - Annual Multi Trip
Cancellation and Curtailment cover per person

*Additional charges may apply.

£5,000 - £7,500*£5,000 - £7,500*£15,000
£10,000,000 of emergency medical expenses
£2,000,000 of Personal Liability cover
£50,000 of Legal expenses
£1,500 of hire car excess reinbursement including lost key cover up to £500
Stranded passenger - Automatic airport lounge access after a two hour delay
Inclusive cover for a huge range of non terminal medical conditions (subject to policy terms)
Political unrest and natural catastrophe expenses compensation, up to £50,000 (£10,000 per person)
Cover for business trips / work abroad including manual work
Winter sports cover
Replacement passport and visa Cover£500£500£1000
Age limit when taking out the policyUp to and including age 85Up to and including age 75Up to and including age 75
Maximum length of trip180 days90 days90 days
Personal accident benefit£25,000£25,000£50,000
Hospital admission benefit£50 per day up to a maximum of £500£50 per day up to a maximum of £500£100 per day up to a maximum of £1,000
Delayed departure£50 every 12 hours up to £500£50 every 12 hours up to £500£100 every 12 hours up to £2,500
Enforced stay / Additional travel and accommodation costs£1,000£1,000£2,000
Missed connection costs£1,000£1,000£1,500
Lost or stolen baggage£2,500 (single item limit £500)£2,500 (single item limit £500)Optional - If included £3,500 (single item limit £750)
Delayed baggage (after 12 hours)£150£150£250
Money£500£500Optional - If included £700


Student Travel

Cover for baggage for students travelling between Channel islands homes and UK or European universities

Golf equipment

We can extend your policy to include golf equipment up to £5,000; single item limit £1,000 including golf equipment hire.

Cancellation Cover

Cover can be extended for your once-in-a-lifetime trip, up to £7,500 per person

Wherever you travel, we’ve got you covered

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

Who is covered

Our standard policy covers *any person aged up to 75 years.

*Including dependents up to 21 years of age, or up to 25 years of age if in full-time education, whether travelling with the main policyholder or own their own.

What you are covered for

  • Personal accidents
  • Medical expenses
  • Hospital admission
  • Delayed departure
  • Transport failure
  • Lost or stolen baggage
  • Money & credit cards
  • Personal Liability
  • Legal expenses

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.


You can cancel your policy at any time by contacting us.

Islands recognise that Channel Islanders travel more frequently and have designed a market leading policy, incorporating many enhanced benefits tailored purely for Channel Islanders. To enable us to offer this tailored policy, we have partnered with Millstream, a specialist travel provider in the London market. Additionally, for our clients peace of mind, Islands’ new policy is financially backed by Allianz, one of the biggest Insurers in the UK market place today.


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

What is an excess?

An excess is the first amount of each claim that you must pay. We will deduct the amount of the Policy Excess from the settlement of your claim, or alternatively the appointed specialist or supplier will collect this amount from you on our behalf.

What do I do if there is an emergency when the office is closed ?

We have a 24 hour helpline you can call on 0345 604 7012. Remember to check your policy booklet and schedule to see if any of the damage is covered, as you may be able to recover the cost, less any policy excess.

Articles & guides

Take the stress out of travel with our handy guides.

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warning 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.
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