HoneyBee I will keep everyone updated. Monday is my free day as my mum goes to a wee club so I will phone around then and work out what the best scenario would be.

Thank u UncleBG. Will contact these companies and see where we go from there.

Hi there can anyone insurance minded help? My mum is terminally ill at the moment and my dad has a pre-booked golfing holiday in Turkey to get insurance cover for. Please don't judge my dad has been a rock during my mums illness and we all feel he does need this break. The problem is my Dad is 60, working and fit and healthy however my mum is not as I have said. We need cover that will allow him to come home at short notice if needed at no extra cost to himself or should it be that due to my mums condition he really can't go he is covered financially for a refund. I know this is a hard one as most people don't want to touch us but if you can help that would be fab!