Vertigo,
I think the insurance that Spoonbill is talking about was offered through UKATTS by a company called Gibson and partners (Now Orr, Kerr and Dykes). An annual family policy costs about £62 (winter sports a few quid more)
However - you only get what you pay for and I have found them particularly useless at helping with a recent holiday problem (as they weren't there when I needed them!).
Best of luck '
RT