We used M&S.
I posted on the boards a few weeks ago as we had to claim and had the cheque in hand within just over a week
I know many people had got cheaper but you never know how good something is unless you have to use it
I had a 'cheaper' policy a few years ago with Churchill and it took months, and many letters and phonecalls, to get DD's medical expenses - all £69 of them!
I'll certainly be renewing with M&S again - it was £149 for family, annual, worldwide cover and included no excess and business cover as DH travels on business too. Obviously it's cheaper without these - £112 I think.
Alison
We have had Amex, M&S and insureandgo. We went with Insureandgo this time as it was cheaper than M&S and had the same cover. We had no excess higher limits etc for about £110.
We always take out annyal insurance and last year we used E-sure which has just expired. They have sent me abother quote which looks reasonbale but its worth shopping round.
Were luck enough to get free holiday insurance with our joint account(lloyds). Its the worldwide package and its worth £149 Its only cost us £22.50 to add DD (3).
We used Virgin last year and we wasn't to happy with their service as we had to claim due to the holiday being cancelled because of the hurricanes.
Mil and Fil always use M&S