In reply to gilly:
BMC - the whole deal is that they back you up when you need it and pay the costs. I have used BMC insurance to get out of being injured while climbing in the french alps. The people on the phone were on it straight away - the car was taken back - the rescue were happy - the hospital bill sorted - car to airport - wheeled around at the airport and the costs of the trip reimbursed - can’t fault it.
reassured when the bloke who winched in smiled and said . . . ‘chamonix rescue plus vite du monde”