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The quick answer

At four, a float suit or vest with removable floats works well: take floats out one at a time as they get braver. A sleeved float suit suits chilly UK beaches, and a flat-packing vest suits holidays. Swim aids are not life jackets, so stay within arm's reach.

Four is that in-between age: too big for armbands, not quite swimming alone. A float suit or vest with removable floats lets you take away support bit by bit as they get braver. On boats, it's a proper life jacket every time.

Life jacket on, sunnies on, ready for the boat.
Life jacket on, sunnies on, ready for the boat.
1
Best for UK beaches

Splash About Sleeved Floatsuit

Adjustable buoyancy with removable floats, plus sleeves to protect from sun and wind.
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2
Best for holidays

Splash About Go Splash Swim Vest

Packs flat in a suitcase. The Independent named it best overall in its kids' swimming aid round-up (IndyBest).
See it on Amazon →
Mum tip: Swim aids are not life jackets. Stay within arm's reach in the water, and use a proper buoyancy aid on boats.
Verity's verdict
Verity hasn't tried this lot yet. Her honest verdict goes here once she has, good or bad.

Questions parents ask

Float suit or swim vest?

A sleeved float suit adds sun and wind protection for UK beaches. A vest packs flat for holidays. Both let you remove floats bit by bit.

Is a swim aid the same as a life jacket?

No. Stay within arm's reach in the water, and use a proper life jacket or buoyancy aid on boats.

When should I take the floats out?

One at a time, as they get more confident. There's no rush.