Interesting - just tried an worldwide annual policy inc winter sports thru M&S and it quotes £186-ish (less 5% online discount) for me and my 10 year old daughter. BA last year was around £100.
How come the big discrepancy?
I'm no insurance expert. I wasn't saying M&S are always the cheapest, Insure and Go and some of the other operators always seem to come up cheaper, but when I have matched the cover line by line, M&S always seem to come up as best value. More cover, fewer exclusions than most.