Hml Marketing reports a 50% growth in its travel products after freezing rates in its first year of trading last year.

The policy cover includes features such as children go free and automatically includes normal holiday activities such as windsurfing and water-skiing.

The package also includes emergency medical expenses of up to £10,000,000 as well as hospital stay and personal accident.

Long stay policies are available, can be extended while out of the country and can cover up to 18 months abroad.

Annual multi-trip covers unlimited trips in a 12-month period and includes winter sports.