Benefits included as standard
Our single trip travel policies include a great range of free benefits as standard.
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.
24/7/365 medical, travel and security assistance. Real-time alerts, country reports and helpline.
Each client will have their documentation securely delivered to their own personal safety deposit box inside the digital equivalent of a Swiss Bank vault.
Save money at the car hire desk and dovetail the vehicle repatriation cover.
One trip travel insurance
A single trip insurance policy provides cover for a one-off holiday or journey, which is likely to be right for you if you don’t know if you’ll take another trip in that year. Whereas annual travel insurance is more suited to individuals who would go on multiple trips per year. No matter your plans, Islands can find the right coverage for you.
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.
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, that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnerships 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 Cover | Prestige - Single trip | Prestige - Annual Multi Trip | Bespoke - 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 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 |
Extras
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 Single Trip Travel Insurance starts from as little as £22 and includes great features as standard.
Who is covered
Our standard policy covers *any person aged up to 85 years
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.
Islands understands that Channel Islanders travel frequently. That’s why we’ve created a market-leading policy just for you. We’ve teamed up with Millstream, a travel specialist in London, to offer this custom policy. And for your peace of mind, our new policy is backed by Allianz, one of the largest insurers in the UK.
FAQs
Have a question about your travel insurance policy?
We may have the answer already. See answers to our most frequently asked questions below.
Can I spread the cost by paying monthly instalments?
We offer a Premium Instalment Plan which is a credit agreement that allows you to pay your insurance policy over time. This isn’t a direct debit; rather, it’s a structured finance option, giving you the flexibility to spread payments in a way that best suits you.
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.