In reply to heathergrace:
AAC (or actually OeAV) will cover that. And much more.
You can read all the rules (in plain english, I might add) from here:
http://www.alpenverein.at/portal/service/mitgliedschaft/mitgliedervorteile/...
Nice thing is that you'll also get the discount on most of the huts ('cept Cosmiques, as it is privately owned, unlike most huts in the alps).
EDIT: slow...
Oh, check the folder PDF, which is the full insurance rules.
That said, BMC insurance would also cover it. But it's more spendy, then again perhaps the claim amounts are better.
Post edited at 21:23