Holiday makers are being urged to take out adequate winter sports cover as recent reports reveal that one in five skiers and snowboarders is considering travelling without insurance.

With the cost of treating a broken leg being an average of £1100 in Europe and £9,000 in North America, the financial recovery can be just as painful as the physical injury; and these costs do not include being airlifted off the mountain, ambulance transfers or cost of medication.

Even the most common injuries, such as sprains, torn ligaments and fractures, can entail steep medical bills. The cost of treatment in Europe is likely to be less daunting than in the US, but it could still prove substantial.

Kieran Murphy of Barclays Insurance says: "Even experienced winter sports enthusiasts can have an accident so it is essential to check you have adequate travel insurance in place so you do not get hurt financially too."

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