Travel insurance at affordable premiums

What is family travel insurance?

Family travel insurance is essentially the same as that which an individual might arrange, but of course the protection in this case extends to members of the policyholder’s family too.

The Association of British Insurers (ABI) identifies family travel insurance as a distinct type of travel insurance.

The advantages of family travel insurance are that:

  • it is typically cheaper to include all members of the family under the same umbrella policy;
  • all members of the family are covered in the same way and to the same level;
  • it is more convenient and is likely to be less hassle arranging travel insurance for the whole family at the same time, rather than arranging individual cover for each family member; and
  • some insurers – such as Bengo Travel, for example – include children free under their standard single trip and annual multi-trip travel insurance policies.

Typically, family travel insurance reflects the kind of terms and conditions you might find in cover restricted to the policyholder only. Thus, any theft of your baggage or personal possessions needs to be reported to the local police within 24 hours (so remember to request a police report and incident number) or if any member of the party is injured whilst under the influence of drink or drugs.

Just as with travel insurance for the individual, you may be able to reduce the cost of your family cover by accepting a higher amount of excess.

What is a family?

Strange as it may sound insurers might define a family quite differently. Probably the most common definition includes a family of two adults and up to four children. For the purposes of family cover, the children need to be under the age of 18, living at home with their parents and travelling with them. In such cases, stepchildren and adopted children are also generally included within the definition.

A few insurers might extend the definition to include children who have left home and are living independently, or those who are travelling separately from their parents.

Other insurers – such as Bengo Travel – extend further benefits to children if an annual multi-travel policy is arranged. In these circumstances, children may continue to be covered under the family travel insurance policy even when they are travelling solo

Group travel insurance

If your children have fled the nest and are no longer covered by family travel insurance, it is still possible to arrange group travel insurance.

There is theoretically no limit on the size of the group travelling together – and the more there are the cheaper may be the travel insurance on a head by head basis.

You might need to exercise some care, however, if one or more members of the group are elderly or if anyone has a pre-existing medical condition. Insurers typically focus on the member of the party likely to pose the greatest risk (such as the elderly or those with pre-existing medical conditions) and set premiums accordingly.

In those cases, therefore, you might want to consider arranging separate travel insurance for that member or members of your party.