In reply to TheBigFactHunt:
We have used Snowcard for a number of years and been happy with them. We've had one claim (theft from a hire car) and that was all sorted out v. promptly.
Their premiums do seem to have risen a bit lately but I struggled to find comparable cover as BMC don't (or didn't back in Jan 2016) allow you to increase the cover for sporting goods (i.e. skis, your climbing gear etc) and electronics etc (camera, phone, transceiver, gps) all v. quickly add up.