Can you explain more about family travel insurance?

If you are going on a family holiday, you could get a better deal by taking out family travel insurance.

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Can you be refused Travel Insurance?
Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
Do you need travel insurance if you are travelling in the UK?
If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
Does extreme sports insurance cover you for all hazardous activities?
You are in dangerous territory here. What kind of pursuits you can and can’t get up to will very much depend on your travel insurer’s particular extreme sports cover. If in doubt, look at your policy before you leap!
Will you able to claim in the event of a terrorist attack?
Unfortunately, travel insurance companies rarely cover acts of terrorism.
What should you do if you want to complain about your travel insurance?
Firstly, write to your insurance company and if you are still not satisfied contact the financial ombudsman.
Just like, package holiday deals for families, travel insurers are prepared to offer a much lower rate for a family travel insurance policy. In this context family should be taken to mean two adults and their children. If you are an extended family you may not qualify for a family travel policy and you should consider group travel insurance.

In any event, it’s as well to take a good look at the small print in the policy, to satisfy yourself that the savings are worth any special conditions. For example, if you want to get an annual policy for the family, make sure it will cover all the members of your family even when they travel individually.

Also, some insurers will cover any number of children on a family travel insurance policy whilst others will only cover a limited number of children.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance