I dont know if you're in UKATTS Vertigo, but I had a years worth of cover for the whole family for around £60 last year through one of the schemes on offer. I can't remember which company was the actual insurer, (hope it wasn't Independant
!), but it gave very high levels of cover etc worldwide.
Fortunately we never had to make a claim.
Might be worth a root around the UKAtts bumf at work.
