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Family Travel Insurance

If you're travelling alone then the odd problem isn't a big deal – but if you've got kids in tow, it can be a disaster. Whether it's flight delays, lost property, hijacking or just breaking down on the way to the airport and missing your flight, a family travel insurance policy can help you out if you get into trouble or compensate you if things go wrong.

When it comes to choosing a family travel insurance policy, not all policies are created equal. Most insurers include infants for free, but others such as Worldwide Travel Insurance also provide free cover for older children. Some insurers go one step further: the Post Office's family policy covers dependants, who can include grandchildren and nieces, and Nationwide's definition of "children" goes up to the age of 23.

Family travel insurance isn't just for the traditional mum and dad with 2.4 kids: many insurers have policies specifically designed for single parents, and you'll find them from firms such as Nationwide or Norwich Union.

If your children are slightly older, consider annual family travel insurance: many such policies cover your kids if they travel without you, which is handy if they want to go on holiday with their friends.