If I buy a family annual multi-trip policy, are we covered when travelling alone?

Provided all family members are named on the policy, adult travellers (aged 19 or older) are covered while travelling alone. Children (up to 18 years of age) are covered as long as they are accompanied by at least one parent. Children up to the age of 15 cannot be covered while travelling alone. Cover for school trips and children aged between 16 and 17 years travelling alone is subject to underwriter approval – please contact our customer service team to discuss.