Whether it's single trip or an annual policy, travel insurance is absolutely essential if you're heading to the mountains.

Skiing or snowboarding can be exhilarating, but accidents and injuries can and do happen, so it makes sense to be prepared. Relevant and adequate travel insurance cover is invaluable if you're caught out with unexpected medical or travel costs.

Before purchasing an insurance policy consider what other activities you might be taking part in during your holiday. Tobogganingdog sleddingparapenting and ice skating can all be part of a family winter holiday, so if you think you might be taking part, it's wise to check that your policy has you covered.

There are also a range of policy options depending on the type of skiing you intend to do. If you are doing a lot of off-piste or back-country skiing you will need different cover compared to sticking firmly to the pistes. There are plenty of different options out there, so ask your friends for advice, do your research online, and if in doubt ask specific questions before you make your decision. For instance, some insurers now insist that you wear a helmet.

The Ski Club of Great Britain has developed travel insurance specifically tailored to skiers and snowboarders, covering off-piste skiing without a guide,and many other winter sports.

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