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Travel Insurance Questions

Hi
I wonder if anyone can help me please ?
I've just booked separate flights and accommodation for a group of 14 members of my family.
I booked the flights online in two groups of 6 and one of 2 but used my name and contact details on all the bookings as I am organising everything. I also used my mum's card to pay for each booking as she is treating us all.
I then advised everyone to get travel insurance that will cover scheduled airline failure etc( as read on here, ta very much )
The problem is , someone has suggested that only the person who pays for the holiday can claim if things go wrong and someone else thinks it may be that the person who's contact details are on each booking should be the one to claim.
I had thought that each family group would get their own insurance and it was irrelevant who was on which booking .
For example in one group of 6 is my brother and his girlfriend and also my sister ,her husband and 2 children so I assumed that my sisters family of 4 would get their insurance and my brother would get his and GF.
Now I'm really unsure, would they pay out on smaller groups or should we get a large group policy and if so should it be in my name or my Mum's ?
I have e-mailed the insurance company that does the group policy but as yet have had no reply.
Thanks for any advice you can give me.

Rac
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