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Do you need Travel Insurance in Jersey?

Planning a holiday can be a little stressful at times, where to stay? How should we get there? And your travel insurance is always a last minute rush or sometimes forgotten altogether.

Travel insurance helps when you get delayed or experience travel disruptions, your accommodation cancels the booking, or you are unfortunate to injure yourself whilst on your holiday.  To help you we’ve created a one stop guide with all you ever wanted to know about travel insurance.

It’s always exciting planning your next trip away, but sometimes the unexpected happens. Just like with every other destination, you’re more likely to get injured in an accident, lose your luggage or spending money.  Hence it’s imperative to purchase a good travel insurance policy, read on to find out what you need to know about Jersey travel insurance.

In this guide…

Are you required to have Travel Insurance for Jersey Channel Islands?

Do you need holiday insurance for jersey island.

• Is it necessary to have Health Insurance for Jersey?

Does UK Travel Insurance Cover Jersey?

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• Jersey NHS Hospital Contact Details

Jersey A&E – Where Is It?

Finding a pharmacy in jersey – we’re here to help, everything you need to know about travel and holiday insurance requirements.

Travel insurance is strongly recommended for Jersey travel.  Many travellers think it’s not worth it, or they won’t need it, and yes being optimistic is good, but sometimes it pays to stay prepared for the worst situations. Without travel insurance, you’re always open to chance. You might be able to replace stolen or misplaced valuables such as smartphones, or passport. The one thing that may be beyond your financial capabilities is the bill for medical treatment. So it’s best to leave nothing to chance and get an adequate travel policy for your trip to Jersey today.

We’d highly recommend organising holiday insurance prior to heading off on holiday to Jersey island.  Let’s face it, you’ll have peace of mind that you’ve got things covered in case of any emergency.  This way you can make sure you enjoy your time away without taking the chance of travelling without any insurance.  If something unpredictable as a car accident or medical treatment should arise you don’t want to look back and think “If only I’d paid that £15 or whatever it would be to get the family covered!”

Is it necessary to have Health Insurance for Jersey 2019?

While exploring the beautiful island of Jersey, and in the unlikely event that something might happen that may require urgent medical attention its important you’ve organised your health insurance. Even if you have a health insurance policy for travelling to other destinations in 2019, please don’t make the mistake of assuming it works for Jersey.  This is because not every insurance plan covers for every situation. So if you’re planning a holiday to Jersey anytime this year, make sure you have a good health insurance plan that is valid for the destination your visiting.

Unfortunately UK travel insurance does not cover your trip to the Island of Jersey.  Visitors to the Island (including British national) have to pay cash for medical treatments and prescription medicines unless of course you’ve taken an adequate travel insurance policy.  But also remember that travel insurance doesn’t just cover injury, its to protect you against hotel cancellations or travel disruptions.

Some people think that they don’t need travel insurance because nothing ever happens to them, and by cutting out travel insurance is a good way to save a few pounds.  And we all want to save money on flights and hotels, but don’t fool yourself into thinking you can not get your travel insurance because you just might regret it!  Regardless of where you’re heading, it’s always a good idea to have travel insurance. Besides health, there are many other things to worry about including car accidents, flight cancellations, misplaced or stolen luggage.  So don’t delay, buy your travel insurance today!

Like any destination, you don’t need travel insurance to go anywhere – however if you haven’t purchased suitable cover prior to your trip then you could be leaving yourself at risk of being left with a big bill.  When travelling to Jersey, you’ll need to pick a policy that covers medical expense, as they are not part of the UK and there is no NHS in Jersey.

You can travel anywhere in the world including Jersey without travel insurance. But it’s a risky thing to do.  It’s not expensive to get yourself cover, and there are lots of places to compare policies to ensure you’ve got the best price and the most comprehensive cover for your trip.  Travel insurance with medical cover is essential when visiting Jersey, as they don’t have the same set up as the rest of the United Kingdom.

The island of Jersey is not a part of the U, so if you’ve visiting Jersey make sure you get an adequate travel insurance policy.  Plus remember travel insurance doesn’t just cover you for medical emergencies, its there to protect you should be involved in a car accident, your hotel cancels your stay, your airline cancels your flights – all of which can be quite expensive if you don’t have a adequate policy to protect you.

The Department of Health have confirmed that those visiting Jersey and the other Channel Islands are not covered by the European Health Insurance Card, otherwise known as EHIC.  This card covers those that live anywhere in the EU members states to either cut priced or free health care when they are travelling to other EU countries.  Therefore it recommends when you travel to Jersey you take out insurance to remain covered.

EHIC entitles UK residents to medical treatment at a reduced cost. Since EHIC is not valid in Jersey, you won’t be able to avoid excess medical bills with the use of this card.  The European Health Insurance Card covers non-private medical assistance such as the cost of maternity care, renal dialysis or managing pre-existing medical conditions but the Department of Health have said this doesn’t apply to Jersey.

Fortunately, you can buy a comprehensive holiday and health insurance online from the comfort of your home. You will find a wide range of products that best suits your needs and budget.

If you enjoy taking lots of trips away each year, then annual-multi trip insurance might just save you some money.  Annual deals tend to work out cheaper if you go away more than 3 times and your over 26 years of age or for those under 26 if you go away more than twice you should see savings.  This type of insurance  covers you for a full year, and in that time you can take multiple holidays and you’ll be covered for each one.  For the best deals on annual travel insurance jersey, visit   Flexicover Travel Insurance  or  Moneysupermarket

Are you searching the internet for affordable travel insurance to Jersey? We’ve done the same and having checked out every comparison website over the last five years, whilst entering our details twenty times we’ve come to the conclusion that   Moneysupermarket  is by far the best any always returns the cheapest price.

If you’re planning a one-off holiday or business trip to Jersey, then you’re better off with single trip travel insurance which will cover you for the duration of your stay. For the best single trip travel insurance to jersey, these leading insurance providers have got you covered –  Flexicover Travel Insurance  and  Moneysupermarket  are by far our favourites.

The UK has reciprocal health agreements with the island of Jersey, which gives visitors access to free or affordable medical treatment.  Keep in mind that the cost does not cover repatriation. However, you will receive an equal amount of treatment as if you were a local in Jersey.  To be eligible, you will have to provide essential documents that show proof of residence. Note that you will have to pay for other health care services such as dental treatment and prescribed medicines.

Despite Jersey being part of British Isles, because it is not part of the their health service is not part of the NHS.

For holidaymakers some medical care is covered by a Reciprocal Health Agreement (RHA) that Jersey has with the UK, some treatment you may require is not, and its important to highlight that any pre-existing conditions are not treatable without payment.

The Emergency Department in Jersey will treat visitors for emergency treatment only. If you have a non-urgent medical issue when your on holiday then its best to contact a local doctor which unfortunately is chargeable.

For treatments your receive at the Jersey hospital in an Emergency is free, but any treatment or care that you require after may not be covered.  Therefore if you don’t have travel insurance, you’ll need to  pay for treatment.  For example if you need repatriation, this can cost in the region of £5,000 which is why we recommend taking out a travel insurance to cover this.

Because Jersey is not in the UK, they are not part of the NHS and have their own healthcare system.  It does provide quality services to people wherever and whenever they need them. The well-financed healthcare system boasts qualified and experienced workforce and features state of the art facilities and amenities to deliver world-class medical treatment should you require them when your holidaying in the island.

Unless of course, you have travel insurance, you will have to pay for most healthcare cost. So it’s wise to get health travel insurance to cover the cost of medical treatments in Jersey. For UK visitors, while some health care is covered by RHA, you will have to foot the bills of some treatment.  Treatment at the Emergency Department of the hospital is usually free of charge. Some of the healthcare services you have to pay for include visits to any local GP dentist or pharmacist, and non-urgent medical issues at the hospital, among others.  For peace of mind, it is advisable to get a comprehensive travel insurance plan from a reputable insurance company.

The General Hospital in Jersey is located on the edge of the Capital of Jersey St Helier.  See below for the address.

Jersey NHS Hospital Contact Details Contact Name: General Hospital Phone Number: 01534 442000 Fax: 01534 444216 Address: The Parade, St Helier, Jersey, JE1 3QS

Jersey is home to only one emergency department. It is located on the Parade in St Helier. The entrance is between the main entrance of the hospital and Gloucester Street. In case of an emergency, call 999 or 112. The emergency department is available for services 24 hours a day, 7 days a week. Depending on the severity of your health condition, you can show up for treatment anytime even without booking an appointment. Upon arrival at the emergency department, a nurse will assess your condition immediately.

There are plenty of pharmacies across the island, so don’t worry if you run out of medication whilst your on holiday.   However, not many of them are open on a Sunday or 24 hours a day.  We’d recommend giving them a call to check they can help with your medical condition.  Here is a list of pharmacy and their address.  For more pharmacies check out  www.lloydspharmacy.com

Lloyds Pharmacy Address: The Parade, 7-8 The Parade, St Helier, Jersey, JE2 3QP, Tel: 01534 722862 Opening Hours: Monday- Friday: 08:30 – 18:00 Saturday: 09:00 – 17:30 Sunday: 10:00 – 14:00

Lloyds Pharmacy Address: Indigo House, 2-8 Oxford Road, St Helier, Jersey, JE2 4LJ, Tel: 01534 721223 Opening Hours: Monday-Friday: 08:45 – 18:15 Saturday: 09:00 – 13:00 Sunday: Closed

Lloyds Pharmacy Address: David Place, 10A+B David Place, St Helier, Jersey, JE2 4TD Tel: 01534 871098 Opening Hours: Monday-Friday: 08:30 – 18:00 Saturday: 09:00 – 17:00 Sunday: Closed

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Please note that ferry bookings are currently unavailable due to a change in Condor Ferries' reservations system. We expect ferry bookings to be available on the afternoon of Tuesday 1st March. Please contact us to check dates / times and we will endeavour to book your selected dates once the system is up and running.

Travel Insurance

C. I. Travel Group are working in partnership with Cherry Godfrey, bringing you the opportunity to purchase travel insurance for a one-off trip or an annual multi-trip policy. Cherry Godfrey, based in the Channel Islands, are experts in providing worldwide travel insurance to and from the UK and Channel Islands and are approved by the Guernsey Financial Services Commission (GSFC). Cherry Godfrey Insurance Services (Jersey) Ltd is regulated by the Jersey Financial Services Commission (JFSC).

Reciprocal Agreements

Even though there is a reciprocal health agreement in place between Jersey and the UK this does not cover the costs of repatriation, taking out holiday insurance should be a vital part of your holiday plans. From 1st January 2023 there will be a reciprocal health agreement in place with the UK and the Bailiwick of Guernsey.

How to contact Cherry Godfrey

To purchase an insurance policy online please visit Cherry Godfrey to complete the online form. Alternatively, please call 01534 711666 and ask for the 'Travel Insurance Department to get your tailored quote.

Travel Insurance

It is always advisable to book insurance as soon as you book your holiday and make a payment. From this point onwards, your money is at risk, as deposits are not refundable and cancellation charges increase as your holiday departure date approaches. Once you travel, then holiday insurance also provides you with cover for such essential items as medical treatment, travel delays, personal possessions and may allow you to claim reimbursement if you have to return home early. For your own peace of mind, please ensure that you are insured.

During these uncertain times, the actual cover available is very important, so when you choose your insurance policy, you may wish to check that cover for cancellation in the event of your contracting Covid-19, or having to self-isolate because members of your household have symptoms, is included. Some policies exclude this, although most will provide cover if you are taken ill whilst on holiday. There are policies available, which provide more comprehensive cancellation cover for Covid-19 and you may wish to seek them out.

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About Channel Islands Direct

Channel Islands Direct is a privately owned, independent tour operator based in Jersey. We have been operating holidays to the Channel Islands since 1979 and are pleased to offer the widest choice of accommodation and travel options to Jersey, Guernsey, Alderney, Sark and Herm.

All flight-inclusive holidays are financially protected by the ATOL scheme. Holidays and services which do not include flights are protected under the bond we hold with the Association of British Travel Agents.

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Channel Islands Resident Travel Insurance

JS Travel Insurance provides policies for residents of The Channel Islands. If you live on one of the Islands and travel to the United Kingdom, Europe or Worldwide, purchasing a policy before leaving your home is essential. The Channel Islands are British Crown Dependencies; the United Kingdom is responsible for their defence and foreign policy, but otherwise, they…

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JS Travel Insurance provides policies for residents of The Channel Islands. If you live on one of the Islands and travel to the United Kingdom, Europe or Worldwide, purchasing a policy before leaving your home is essential.

The Channel Islands are British Crown Dependencies; the United Kingdom is responsible for their defence and foreign policy, but otherwise, they are entirely self-governing.

They are not part of the United Kingdom or a member of the European Union.

To get a quote by telephone or email, contact us at + 44 (0)1273 092 757 [email protected]

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Travel from the channel islands, pre-existing medical conditions, useful websites, summary of cover (per person).

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Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Lt,d on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

The Department of Health modified the Reciprocal Health Agreement between the United Kingdom and The Channel Islands in 2009.

Suppose British Tourists fall ill or are injured in The Channel Islands. In that case, they will not be automatically covered for all medical expenses, and vice versa for Channel Islands residents.

This means that a Resident of The Channel Islands does not have the same benefits as health coverage in the United Kingdom, Europe and the Rest of the World as they do on their home island.

While there still is somewhat of a Reciprocal Health Agreement concerning health care between The Channel Islands and the United Kingdom, there are several exceptions travellers should be aware of.

A Resident of The Channel Islands qualifies for free health care at home while also being able to get emergency health treatment when visiting the United Kingdom in case an accident happens or they are taken ill.

This agreement requires visitors to stay in the United Kingdom for at least two nights and only covers visitors for stays of a maximum of three months. People who visit shorter or longer are fully responsible for their healthcare costs.

Additionally, and this is quite important, Repatriation costs are not covered, which means that if you need to be transported back to your home in The Channel Islands, you will have to pay the expenses. So, it is essential to have a Travel Insurance policy covering Repatriation.

The agreement also doesn't cover any medical treatments for non-urgent conditions or treatment that can be scheduled later.

Just as Channels Islands Residents are responsible for arranging additional health coverage when travelling abroad, foreign visitors are, too.

It is strongly recommended that The Channel Islanders planning on travelling abroad contact their respective Social Security Department with any health and Travel Insurance questions.

Because of all these exceptions, any Resident of The Channel Islands who wants to visit the United Kingdom (and all other parts of the world, for that matter) is strongly encouraged to purchase additional Travel Insurance.

Residents of The Channel Islands can live and work in the United Kingdom and do not require a passport to travel around the United Kingdom and Ireland.

British passports are issued to residents of the Channels Islands, people born on the islands, and their parents carried on the islands.

Channel Islanders' British passports are not the same as regular British passports. Channel Islanders with no connection to mainland Britain have an Islander Status and possibly an additional endorsement in their passports, limiting their ability to travel freely.

Guernsey Airport and Jersey Airport are the two main airports on the islands, connecting them with Liverpool, Manchester, Southampton, London, Glasgow, Birmingham, the Isle of Man and France.

Ferry connections are abundant and connect the Channel Islands with Northern France, Portsmouth and Poole.

If you have pre-existing medical conditions and are a Resident of the Channel Islands, we can provide you with a policy.

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Whether you're planning the trip of a lifetime, a short break or a family holiday, you'll find the right policy for you. And whilst you're travelling the world, cover won't cost you the earth. Packages tailored for the regular traveller, backpacker and for one-off trips give you flexibility with the peace of mind you want.

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As part of your HSBC Premier experience, you enjoy the benefit of Premier Worldwide Travel Insurance at no extra cost.

Our cover gives you, your partner, dependent children and grandchildren under 23 years of age worldwide protection.

Premier Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Policy terms and conditions apply.

Please note: holidays taken solely in the UK, Channel Islands or Isle of Man are covered if they include at least two consecutive nights away from home and either pre-booked accommodation or prepaid public transport.

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Eligibility requirements

Please ensure you can answer YES to the following questions:

• do you hold an HSBC Premier account?
• are you under 70 years of age when you open your HSBC Premier account or when your trip starts? Note: When you reach 70, you will no longer be covered by HSBC Premier Travel Insurance.
• are you a resident of the Channel Islands or Isle of Man?
• are you going to start and finish your trip in the UK, the Channel Islands or the Isle of Man?
• are any dependent children* under 23 years of age at the start date of the trip?
• are any grandchildren* under 23 years of age at the start date of the trip? 

*Children are only covered when travelling with you or your partner, or travelling with close relatives who are over 23 years of age, or travelling independently on a school/college trip with teachers/lecturers. Grandchildren are only covered when travelling with you or your partner.

Medical Conditions: 

To make a medical claim you must be registered with a doctor in the UK, Channel Islands or Isle of Man. 

You will need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you or any insured person in the last 12 months has:

• been prescribed medication; 
• received or are awaiting medical treatment, tests or investigations; 
• been referred to a specialist, or admitted to hospital for any condition not listed on the accepted conditions list

All pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

1  Unexpected costs - significant or unusual exclusions

• any event, incident, or circumstance if, at the time you opened your account or booked a trip (whichever is later), you knew or could reasonably be expected to have known that travel disruption could impact travel plans
• any claim where the insured person hadn't allowed enough time, or done everything they reasonably could, to get to their departure point for the time shown on their itinerary
• any costs for running out of medication because the insured person hadn’t taken enough with them to cover their time away

2  Your belongings - significant or unusual exclusions

• belongings, valuables and money deliberately left somewhere that is not in the insured person's full view, with someone they know, or their travel provider
• valuables or money which is not kept in the insured person’s hand luggage while they're travelling
• theft from a vehicle or caravan unless it was broken into and the valuables or money were left in an enclosed storage compartment
• hired sports equipment

3  Winter sports - significant or unusual exclusions

• equipment deliberately left somewhere that is not in an insured person’s full view, with someone they know, or with their travel provider
• loss or theft from motor vehicles

Things you should know

Please take time to read the following:

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Should you need a letter to confirm you have Travel Insurance in place, you can request it online from Aviva here .

What's not covered

• all pre-existing medical conditions must be on the Accepted conditions list in your Policy Wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer
• any sports activities which are shown as excluded in the policy document
• if you are aged 70 or over
• any event, incident or circumstance which had already happened, or was going to happen, at the time you opened your account or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
• winter sports beyond the 31 days per calendar year limit
• business trips in connection with an insured person's job where the trip involves manual or physical work of any kind, working with children, providing healthcare, policing, security or military service or an insured person's role as a politician, religious leader, professional entertainer or sportsperson
• claims for death, injury, illness or disability are not covered if they result from the misuse of alcohol or drugs

Please note, all trips must begin and end in the UK, the Channel Islands or the Isle of Man.

Contact the relevant helpline number for assistance as soon as you can, quoting your policy number if possible.

In case of medical emergency please call (+44) 1603 605 135 from abroad or 0800 051 7458 within UK, Channel Islands or Isle of Man.

Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

Travel Claims

If your claim does not require urgent medical attention you can contact aviva and make a claim online or by calling:.

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Medical assessment  

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We are travelling by ferry for a 5 day holiday to Jersey in June for my husband's 70th. Arranged our hotel separately. Is it necessary to purchase travel insurance?

10 replies to this topic

Absolutely. If one of you fell ill in jersey and could not travel back as planned, who would pay for extended accommodation and new transportation home.....?

Jersey health system is not part of the NHS either.

While some emergency treatment is free under a reciprocal arrangement with the UK, any treatment not qualifying as emergency or matters such as repatriation are not covered, so travel insurance comes in there.

"If one of you fell ill in jersey and could not travel back as planned, who would pay for extended accommodation and new transportation home.....?"

You'd have to pay for it yourself, much the same as if you were in, say, Cornwall. It's certainly not compulsory to have insurance. I've no idea just how many people would take out a stand-alone insurance for this. You'd have to be crazy to go to America without travel insurance, but you may think that nothing on a trip to Jersey is going to bankrupt you. It's one of the bonuses of having an annual policy, which would include it.

Totally agree with other posts. Jersey is not part of the NHS. We travel most years to Guernsey and would not dream of going without travel insurance, same must apply to Jersey.

Thank you everyone for your advise. We had annual cover until earlier this year but didn't renew as my husband had a serious accident and we didn't know if we'd travel abroad again. This holiday is an option we think we can manage.

You most certainly do need travel insurance. Take out cover just for this trip if you don't want an annual policy. You are travelling by ferry and they can get cancelled if the weather is windy. You may need cover for hotels etc in the case of cancellation at either end of your break. As others have said, the reciprocal health agreement only covers emergency treatment and repatriation may be required. You may also be in a position where you lose something of value so all these possibilities, even though unlikely, mean that travel insurance is essential, even for somewhere such as Jersey. Read the small print and make sure the Channel Islands are covered, they usually are.

See this web site for full information.

https://www.gov.je/Health/Travelling/pages/visitingjersey.aspx

This post was determined to be inappropriate by the Tripadvisor community and has been removed.

A few of the regulars here know a lot more than most about travel insurance (there’s a thread in Bargain Travel that might be worth reading).

The sad truth is virtually no Brits have a clue how much or how complex medical attention can be outside the UK, nor do we have any concept of the lack of comprehensive systems outside the UK, so being discharged from hospital and told to pay for the ambulance, source your own dressings and buy medication will be a shock.

And fundamentally virtually nobody can realistically assess all the risks they face and determine if the travel policy they clicked ‘buy’ on actually meets their needs, but the one thing that is certain is that if you ‘forget’ to disclose a pre existing medical condition you’ll have wasted your money because if you put in a claim the first thing insurers do is contact your doctor.

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To purchase an insurance policy online please visit Cherry Godfrey to complete the online form. Alternatively, please call 01534 711666 (from Jersey) or 01481 711666 (from Guernsey) or 01624 711666 (from Isle of Man) and ask for the the Travel Insurance Department to get your tailored quote.

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All the little facts about Jersey to know before you travel.

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Good to know

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Healthcare in Jersey.

Be prepared so you can relax and enjoy your break..

While you are visiting Jersey, we want you to enjoy your stay. Although we hope that you will not need any medical attention during your holiday, we would like you to have peace of mind and reassurance that you know what is covered by our health care service. It’s also a good idea to ensure that you have the appropriate level of travel insurance to cover you.

We're ready to welcome you.

Covid-19 travel information.

Jersey is open and welcoming visitors. Explore all the information you need to travel and enjoy an island break with confidence.

Healthcare agreement.

Jersey is not part of the UK, and therefore our health service is not part of the NHS. For UK visitors, while some medical care is covered by a Reciprocal Health Agreement (RHA) we have with the UK, some treatment is not, and neither are pre-existing conditions.

Emergency medical care.

If you need urgent treatment in an emergency, you should come to the Emergency Department at the General Hospital. As in the UK an ambulance can be called by dialling 999.

The Emergency Department is for emergency treatment only.

Emergency treatment given in the Emergency Department of the hospital is free of charge, but treatment or care which is needed after that may not be. If you do not have travel insurance, you may need to pay for any treatment which is not classed as an emergency, including repatriation, if this is needed, which can cost approximately £5,000.

The Emergency Department at the Hospital does not issue prescriptions for medication which is lost or forgotten. If you need a prescription re-issued, you should visit any local GP, or contact our “out of hours” GP service, which is based at the Hospital, contactable on +44 (0) 1534 442000. There will be a charge for this appointment which the individual GP practice can advise on.

Non-emergency medical care.

If you have a non-urgent medical issue, you’ll need to contact any local GP or the “out of hours” GP service. There will be a charge for this appointment which the individual GP practice can advise on.

GP and dental services in Jersey are not free of charge. Individual GP and dental practices can advise on charges for appointments you may need to make when visiting the island.

Travel insurance.

We always strongly recommend travelling to the island with appropriate travel insurance.

Healthcare costs.

Find out more about charges for healthcare in Jersey from the Government of Jersey.

Be prepared

More information to help you plan your Jersey getaway.

Let your hair down and feel liberated in the island break knowing you have a good plan in place.

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L'înformâtion et les sèrvices publyis pouor I'Île dé Jèrri

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UK and Jersey health agreement

​​​​​reciprocal health agreement (rha).

Jersey and the UK have a Reciprocal Health Agreement which means that if you qualify for free healthcare in Jersey and require emergency treatment when visiting the UK, or vice versa, you won't have to pay certain healthcare charges.

The reciprocal health agreements only cover you if your visit was intended to last for less than six months and you don't intend to move countries permanently.

For students, the agreement covers the full duration of their course of study.

The agreement doesn't cover all costs, eg certain types of follow on treatment or travel costs.

Travel insurance

Travel insurance is strongly recommended. Make sure you're covered for specialised medical transport home (repatriation) and medical transfers for treatment. These are often the most expensive charges when you need overseas treatment.

What you have to pay for

You're not covered for non-urgent conditions and will have to pay for them.

You won't get free treatmen​t for urgent conditions when treatment can be scheduled for a future date.

If you need  emergency treatment that can't be provided locally, the hospital may arrange  for you to be transferred overseas. In such cases, you won't able to choose the hospital you're transferred to and all transfers relating to non-emergency treatment will be charged for.​

​You will also have to pay for:

• GP treatment
• prescriptions
• some types of medical equipment and supplies
• certain travel arrangements (eg repatriation)
• on-going services for an existing treatment plan (eg holiday dialysis)
• treatment for pre-existing conditions you're awaiting treatment (eg surgery) unless there is a major deterioration in that condition while you're visiting Jersey
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Travel insurance.

C. I. Travel Group are working in partnership with Cherry Godfrey, bringing you the opportunity to purchase travel insurance for a one-off trip or an annual multi-trip policy. Cherry Godfrey, based in the Channel Islands, are experts in providing worldwide travel insurance to and from the UK and Channel Islands and are approved by the Guernsey Financial Services Commission (GSFC). Cherry Godfrey Insurance Services (Jersey) Ltd is regulated by the Jersey Financial Services Commission (JFSC).

Reciprocal Agreements

Even though there is a reciprocal health agreement in place between Jersey and the UK this does not cover the costs of repatriation, taking out holiday insurance should be a vital part of your holiday plans. From 1st January 2023 there will be a reciprocal health agreement in place with the UK and the Bailiwick of Guernsey.

How to contact Cherry Godfrey

To purchase an insurance policy online please visit Cherry Godfrey to complete the online form. Alternatively, please call 01534 711666 and ask for the 'Travel Insurance Department to get your tailored quote.

Private Client

For the islands and beyond, clear, objective insurance advice.

Hepburns has traded in the Channel Islands for over 50 years. We offer high quality Insurance Broking Services for Commercial Risks and Private Clients for both Jersey and Guernsey.

WE SPECIALISE IN

Bespoke insurance solutions.

At Hepburns, we recognise the importance of managing risk and have built up a deep understanding of the industry spanning over our 50 year history, which we can pass on to you in the form of excellent service, provided by long-serving, dedicated members of staff who are overseen by senior executives who are passionate about Hepburns and the islands we serve.

RISK, MANAGED

Commercial solutions.

Our Commercial Brokers provide both large and small businesses with innovative and cost­effective insurance and risk management solutions. All of the key classifications of business insurance, including construction and associated risks, Professional Indemnity, and Directors & Officers, are covered by our commercial services.

Transport & Cargo Risk

Fleet insurance manages the risk of all vehicles under the cover of one policy.

Construction Risk

Keep your construction site covered with a tailored insurance package especially for you.

Professional Risk

Protects you and your business from professional services claims made against you by your own clients and/or third parties.

Development Risk

Unique to each individual project, insurance solutions are bespoke to every property developer from Latent Defects to Non Negligence.

Business Risk

Reduce the financial impact of a business interruption, loss or damage to a facility or equipment.

Property Risk

Owners, occupiers and lenders always need physical reinstatement and financial compensation protection against property loss.

Personal Protection

Our private client brokers maintain a high standard of professional service and focus on delivering highly tailored and personalised insurance to clients. 

We do not outsource claims management and handle claims as much as possible through to a satisfactory conclusion.

Domestic Insurance

We provide higher levels of insurance for high net worth homes and lifestyles, with a tailored approach, down to the finest detail.

Motor Insurance

We recognise that if you choose to drive something a little more unique, you will need insurance to match – relax and enjoy the ride, we share your enthusiasm.

Marine Insurance

When it comes to insuring your boat, whether you’re a seasoned sailor or new to boating, we will ensure you have the correct cover to keep you afloat.

OUR PHILOSOPHY

People, before products..

At Hepburns, we specialise in tailored insurance solutions for situations where a ‘one size fits all’ approach simply does not work. We put an emphasis on our team and their years of experience in managing risk across all areas of your life from business to home. We focus on truly understanding each individual or company and their circumstances and with over 50 years of industry experience, combined with the collective expertise of our brokers, we’ve fine-tuned our bespoke insurance approach to provide the necessary cover when things don’t go exactly to plan.

When it’s convenient

Request a callback, get in touch, jersey office.

Phone: 01534 515151 Address: 6/7 Mulcaster Street, St Helier, Jersey JE4 0QJ

Guernsey OFFICE

Phone: 01481 738080 Address: Lancaster Court, Forest Lane, St Peter Port, Guernsey GY1 1WJ

Hepburns Blog

Latest news.

At Hepburns Insurance we always have our ear to the ground for the latest industry news and keep our clients up to date with our company activities.

Six Months into the Islands and Hepburns Merge

Hepburns merges with islands insurance, hepburns run the marathon, hepburns support sark to jersey charity initiative.

Hepburns Insurance 2022

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Motor Insurance

Drive away happy with insurance from islands

Get a quote

Our Motor Insurance Products

We offer a wide range of in-house motor insurance policies, so we’ve got you covered no matter what you drive.

More on Car Insurance

More on Motorbike Insurance

More on Classic Car Insurance

More on Specialist Motor Insurance

Looking for Van Insurance?

More on Van Insurance

Motoring Peace of Mind

Some of the benefits offered under our in-house Comprehensive, Third Party Fire & Theft and Third Party only motor policies designed with Channel Islanders in mind.

*applies to most policies, subject to terms and conditions.

Benefits at home and abroad*

• Breakdown cover
• Roadside assistance
• Roadside repair
• Vehicle recovery
• Onward travel
• 24-hour helpline

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.

Cancellation

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

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

Does my “Driving other cars” extension allow me to drive in the UK/Europe?

If included on your Certificate of Motor insurance the “Driving other cars” extension does apply, please check your policy wording for full details. We must however note the cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

Am I covered for business use?

Business cover will be included automatically for you and your spouse or partner if you have had a civil partnership ceremony and live at the same address. Exclusions do apply, so please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD) or check your Certificate of Motor Insurance

Do I have “Driving other cars”?

“Driving other cars” is a standard inclusion under most of our motor policies and allows the policy holder only, to drive vehicles not owned or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation. To find out if you have “Driving other cars”, check your Certificate of Motor Insurance. The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. This cover is very limited and should be viewed as emergency cover only.

View all FAQs

NFU Mutual Bonus

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Articles & guides

Take the stress out of driving with our handy guides.

Storm Support Hub: Your Guide for Home and Car Claims

Understanding Our Younger Driver policy at Islands Insurance

What our customers say.

Don't take our word for it. See what our valued customers have to say about Islands.

"I just wanted to personally thank Connor O'Brien for all his help and support in sorting out my car renewal. He certainly did a fantastic job to get this done. I also appreciate Island Insurance and Connor for taking into consideration that I have been a client with you for over 25 years and it is nice to see that this is taken into account through this renewal process. Thank you so much and well done."

"I had a pretty spectacular breakdown on motorway in South Wales, I had AA cover but it was Islands Insurance who got my family and I back to Jersey, followed by my car a week later. My only regret was not taking the chaps name who handled my call, he was outstanding. I know we all have a tenancy to slate the bigger companies but Islands really came up trumps for me and my family."

"Tony Pessego at Islands Insurance today, absolutely outstanding customer service under what must be for them very trying and testing circumstances."

"Excellent Business Islands Insurance! Due to my own oversight, I paid my renewal for my car insurance online today and with the weekend approaching I didn't think my WID would get here in time, however Islands Insurance have been absolutely fabulous! Special thanks to Alastair Millen for sorting the paperwork and George for hand delivering my WID so I got it before the weekend! And all in the space of 20 minutes. Couldn't have asked for better service! First class !! Many thanks"

Islands Insurance - great service, especially from John Le Friec, car written off, process very easy and within 24 hours of confirmation, payment in my account. Thank you... and I have a shiny new (to me) lovely wee red car 🚗 ... long may it stay that way

"Nice easy online quote and purchasing of insurance of a vehicle to include anyone over the age of 25 ears, and breakdown cover in Europe/Uk. It was done very quick and I already have the documents online. The insurance amount from this company was over £200 less than the current company I have been with for 9 years (no claims). The current company would also not provide cover for anyone over 25 as an addition and only named drivers. It also did not provide breakdown cover in Europe/UK."

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