In reply to carl dawson:
Phone the BMC and you may be able to sort out a more bespoke package.
Have only ever heard good things about the AAC mentioned above.
Snowcard Insurance also may offer you something.
Personally I always go with the BMC since I feel that even though I don't make a claim, the money I spent on the policy is supporting an organisation that benefits me (and also because I'm too lazy to hunt around for better deals!).