Apologies for OT post but hope you can help.

Have for many years used the free multi trip annual travel insurance that comes with the bank account. However the snow disruption at Christmas showed it to be of little value and lacking in cover. With more than my fair share of family holidays booked this year am keen to get something better.

We fly with BA but book everything else ourselves. The normal internet searches return numerous hits for cheap travel insurance, price for me though is not the thing. I want an insurance that faced with a legitimate claim will pay and covers more than the minimum.

Looking for suggestions, thanks.