Quality ski insurance for off pisters/regular skiers-recommendations please

Hi there

Could any one recommend a good quality ski insurance (annual or half yearly)that has good levels of cover for on and off piste including mountain rescue/air ambulance back to the UK, medical expenses etc, a good level of cover for lost luggage eg skis and kit like transceiver etc plus anything else that would be useful that I've not mentioned?
In the past an annual travel policy including winter sports cover has been adequate but now I've got all my own kit I feel I need to get a lot more cover.

Who do you guys who go regularly (2-6 weeks a season)and go off piste use? I see BMC do a good policy but the price of different companies do seem to vary a bit- I presume you get what you pay for though?

Thanks very much