Travel Insurance for "Extreme" sports

[son of a vette]

So this year I'm lucky enough to have a few trips already pencilled in, so was looking to book an annual travel insurance policy, however the insurance companies seem to class some of my plans as "extreme" activity's so I'm on the hunt for a good policy for this sort of stuff.

The first trip is a fairly standard ski affair, possibly with off piste if I get the chance (with guide) but not planned.
The second is an Enduro (think DH with more pedalling) MTB race across Provence in France, I kind of get why the insurance companies might be nervous about this one.
There will probably be a normal holiday in there too with my other half, more beach than bike.

Has anyone had any good experiences with any companies? I've used Dogtag before, but didn't have to claim on that trip, they seem geared towards this sort of thing and I like the dog-tag idea, Anyone have any experience with any others?

[Burrow01]

I use InsureandGo, they seem pretty relaxed about most things

they insured me for DownHill mountain biking, but not DH Racing, but would also cover me for bob sledding, off piste skiing etc - might be worth speaking to them to discuss exactly what you are doing