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insurance - booking flight and hotel separately

Hi - we;re going skiing at christmass to austria - two adults two children:j - we've booked flights diect with jet2 and booked the hotel direct. I've searched the forum and see we need travel insurance which covers indirect loss - trying to find any which offer this in their small print is proving difficult - can anyone help me with a short-cut please if they have managed to find this type of insurance. someone mentioned sainsburys =- have emailed them last week but not had a reply.......

thanks in anticipation
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