Has anybody actually claimed with snow card, sports cover direct or BMC?
I haven't yet claimed but if you are looking for sports insurance cover for climbing then I can recommend Sports FS to you they deal with cover for a variety of sports including walking/climbing https://sports-fs.co.uk/
I think FS only deal with life insurance not travel insurance (they arranged a policy for me).
To the OP I have claimed with BMC, and they were fine, but it was ages ago.