atlasdirect cheap and when my son broke his leg in borovets 2006 one phone call and they sorted everything, taxi to airport extra seats on plane,all medical costs and the best thing, it didnt cost any money upfront,none of this crap pay with your credit card and we'll refund you.highly recommended.
Halifax have a current account called an URCA, you pay £10 a month and get loads of discount on insurances and shopping vouchers, my annual travel insurance was costing me £169 for 3 of us without ski cover, the halifax travel insurance covers you for worldwide, skiing and golfing