The term, according to the decision in Oldfield v. Scott and Jackson (third party) (Oldham County Court, 24 July 2002), refers to persons with whom the policyholder normally resides at home. Miss Oldfield’s injury was caused by her holiday companion, Scott, who arranged travel insurance that excluded claims by members of the insured’s household. Oldfield did not reside with him and was not therefore a member of his household. The insurer could not benefit from the exclusion. The term is defined in some policies.