With around 200,000 people travelling this winter without any travel insurance it’s alarming to see what the potential costs could be if you are unlucky enough to have a skiing or snowboarding accident.

If you are hurt on the slopes and don’t have the right insurance, you could be looking at a bill of around £16,000. That’t the average medical bill of an injured skiier and costs will rise significantly if you require search and rescue or repatriation once you’re fit enough to travel again.

But it’s not only those travelling without insurance who need to beware. It’s worth noting that if you plan to go off-piste you will need to mention this to your insurer before you go. Most standard policies don’t cover off-piste antics and you may find that your average travel insurance is invalid if you have an accident.