This year we have gone with Holiday Safe again for our holiday insurance, we used this company for the last three years after doing weeks of research, they win top awards for their insurance and reading reviews etc seemed like the best company for actually paying out when things go wrong.
So if your wondering who to use then this is the one we use. http://www.holidaysafe.co.uk/index.html
Hopefully others will add to this post and let us know who they use.