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WHY YOU NEED SKI TRAVEL INSURANCE.

Never lose sight of the fact that the mountains are a dangerous environment, the slope steeper or more difficult than anticipated or that the weather can change very quickly or the worst hazard on the mountain, other skiers and boarders are on the loose.

There are a lot of mishaps on the mountain, minor crashes and wipe-outs where everyone involved gets up dusts the snow off, gathers their strewn belongings and sets off again. Then there are the more serious incidents, not as many thank goodness, where the injured have to be ferried down the piste in a blood wagon and taken to the medics in the resort. This, as you can imagine costs in the hundreds of pounds and they often won't take you off the mountain until they have seen either an insurance or credit card. But believe me that is the cheaper option, just wait until they call the helicopter for the pick up. That really stings.

Thankfully most of us go through our wintersports holidays without bad experiences but as the lotto logo says "It could be You" so take out appropriate insurance and hope that you never have to use it.

Preparation and caution are essential ingredients for a trouble-free holiday, but you never know what's around the corner which is why ski travel insurance is so important.