You haven't mentioned your age but most of the family annual policies will limit cover for 'children' to those who are under 18 and still in full time education. Some will cover up to the age of 23 but these are rare. Check the defintion of a family before you commit to buy.

If your mum and dad go on a policy together then it is likely that the insurance will cover them to travel seperately from one another but check the policy wording or call the provider to confirm.

Hope this helps.

Do a quote for worldwide annual family cover (which allows you to travel seperately or together) and then see what the comparative quote is for single trips. I am sure that the annual family cover will be cheaper.

My mum and Dad are going on holiday together in June and then my mother is going to New York in Oct. I am going on holiday with friends to Ibiza in July with friends.

What i would like to know is whats the best way to insure the Family. We were going to cover as a family but does it allow my mum and myself to cover seperatly?