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Given the high rate of injuries on the slopes, you might think that a comprehensive insurance policy would be regarded as critical as protective gloves and ski. But, strangely enough, many people doesn't bother with this assurance, because they do not think that it would be payable in case of accident.

According to AXA, one of the largest British travel insurers, in a recent survey of skiers and snowboarders, one in five (19pc) said that they believed an insurance pay for injuries and one in three did not cover would be provided if injured transport home.

It goes without saying that two of these events should be covered fully one day holiday comprehensive winter sports.

Much of the confusion may occur due to (map) European health insurance card.

All holidaymakers travelling in Europe are advised to obtain one of these cards, as they cover some of the costs of medical treatment in Europe.Mais are not an adequate substitute for insurance.For starters, they offer for 80pc off the coast of medical expenses in hospitals who accept the card.

However, there's no guarantee that in the case of an accident that you will end up in a hospital that participates in this Tim Hammond, régime.Dr assistance medical provider statisticians, said: "If you are injured on the slopes, resort nerds probably takes you directly to a private clinic where card care will not cover your medical treatment."

Even if you arrive at the equivalent of an NHS hospital, available "free" medical treatment can be much less that what we're used to in Great Britain .the card card will pay for transportation or - hospital and repatriation back to maison.alors it makes sense to take one, it is also essential to purchase all risks insurance.

This insurance would pay for medical expenses most committed abroad, which will include those not covered by an adapter card.

Skiing and snowboarding injuries are relatively frequent.France mountain Medical Association said that it dealt with 140 000 injuries year dernier.Selon AXA, survey, about a quarter of those who have been a winter sports holiday suffered some sort of injury - and processing fees of these can quickly escalate.

Many are in need of drainage slopes (who certainly would not be covered on a map of the card), then there is the cost of any treatment as the x-ray, operations and in more severe cases, carriage house.

For those who spend their holidays in ski areas of Europe, these costs can top easily ￡ 25,000 - and it is even higher for persons who require medical care and America and the Canada flights home.

But what should you look for in a policy of winter sports?

Firstly to offshore, verify that you are covered for these sports.beaucoup people rely on an annual policy necessarily covers these activities.If you already have a policy, it should be to contact your insurer.Most is add on this cover course fee.

Check covers your vacances.Cela destination may seem obvious, but some people buy cover of winter sports, thinking that it will focus on them everywhere where they go skiing or snowboarding neige.Mais if you only European coverage that obviously it is not, to cover for Whistler ski trips or Aspen .the people simply renew an annual policy annually, without really checking that they have could potentially fall within these traps.

Apart from medical coverage, you also want to ensure that politics has the personal responsibility and cover expenses juridiques.Cela covers your costs if someone hurts you and you need to take legal action against them; and he will cover you if you're involved in a collision and someone wants to pursue you.

Retired skiers must also check that their insurance covers still, especially if they have a "free" insurance with a bank account or card crédit.Bon many of them only cover persons up to age 60 for example.

Keen winter sport fans should ensure that their policy is suitable for all activités.Ski off-piste, for example, may not be included, or only if you are with a guide even agréé.De, there may be restrictions on activities such as tobogganing, cross-country skiing, skiing, heli-skiing or even racing glacier insurance.

A spokesman for the British ski club: "even if you or your children are taking part in fun races with the station ski school, they may not be political couverts.Nombreuses do not cover racing, even recreational races."

Other areas to check include that there are payments for closed tracks, either because of strong winds too or not enough snow.

Winter sports policies should also include coverage for lost baggage and cancellation and your trip - you would find on any standard travel policy restriction.

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