I'd check the ski cover is good enough on the barclays one...
Also it's not always about how cheap your insurance is,it's the cover that counts..
Heard some real horror stories last yr,met a couple in Boro who thought they had ski cover and didn't she broke her leg and ankle it cost £1200 med bills and £250 for a extra seat home all because she never ticked a box...
And is ski cover included - our Lloyds TSB is an annual worldwide policy, but we have to add winter sports at an additional cost. Still think it's only about £45 for the two of us for a full years cover though, so still quite good value.
All covered with the additions plus. If you have the new additions you have to pay a 1 off £10 fee for winter sports. I have the old additions plus whereby it's free and the cover is as good as any other policy I have looked at. Yes, you do pay a monthly fee of £5 or something but you loads of other benefits for that and not just travel insurance.