Have you got a current driving licence? http://thumbzilla.fun/ thumzilla Also, the individual circumstances of those going on the holiday, including the make-up of the party, might need to be considered. An additional issue you touched on was that included in the party were your mother-in-law and a sister-in-law. You thought they were covered under the policy in the same way you and your wife and child are. I have pointed out to you that the reference in the terms and conditions to your in-laws is in a separate context and the policy does not cover the extended family in the way you thought.