Fewer than one in 10 single-trip travel insurance policies cover winter sports as standard, according to analysis of almost 1,100 deals by ratings service Defaqto.
As many will be heading to the mountains for a spot of skiing in the coming weeks, travellers have been warned not to assume they will be covered.
Just 7pc of single-trip policies and 17pc of annual policies automatically provide coverage, while 11pc of the former do not offer any cover for winter sports at all.
Even within those that do there are wide variations. The Defaqto research revealed that a third of policies would not cover you for a lost ski pass and just 29pc would pay more than £30 for each day lost to piste closures.
The more adventurous should also be aware that 11pc of the policies offering winter cover do not allow off-piste skiing while others will have a series of restrictions.
Brian Brown, from Defaqto, said: “Winter sports holidays can be much riskier than a standard beach holiday as you are more likely to get a serious injury or damage expensive ski equipment.
“If you are planning a winter sports break, it’s vital you check your insurance covers you for this just in case the worst happens.”