I'm also a fan of BMC Insurance. You can take out individual membership, or if you're a member of an affiliated local club you can use this service, and that also applies to Scottish clubs affiliated to MCofS.

Their annual policies are terrific value if you're doing a few trips abroad, and the older you get the better value they become......they're about the only folk who don't think people should stop doing anything remotely adventurous as soon as they turn 65!

Thanks to everyone for suggestions both in messages and emails - I appreciate it!