Rating notes: No age limit. No multiple premiums for senior citizens - all areas and all durations. Children/Infants: Dependant children under 18 at date of departure, accompanied by insured adult = 50% of adult premium. Infants under 3 at date of departure, accompanied by insured adult = Free. Single parent family: One and a half times the adult premium. Winter sports: Double premium. Insurance Terms Family: Means husband and wife (or common-law partner) travelling together with up to 4 dependant children or grandchildren under 18 at date of departure. Single parent family: Means one parent travelling with up to 4 children or grandchildren under 18 at date of departure.