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.
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.
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.
Levels of cover
Find out what’s included in each of our policies.
|Features in our Levels of Cover||Prestige - Single trip||Prestige - Annual Multi Trip||Bespoke - Annual Multi Trip|
|Cancellation and Curtailment cover per person||£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 policy||Up to and including age 85||Up to and including age 75||Up to and including age 75|
|Maximum length of trip||180 days||90 days||90 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||£500||Optional - If included £700|
Wherever you travel, we’ve got you covered
Our comprehensive annual European travel insurance for families start from as little as £143 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
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 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.