Check for "depreciation clauses"—older gear might only be reimbursed at its current (much lower) value rather than what you originally paid. 3. Personal Liability Prepare your insurance carefully when booking a ski holiday

Shred with Peace of Mind: Why You Need Ski Insurance This Season

If you are injured in a remote area, a helicopter rescue can cost tens of thousands of dollars.

Accidents on the mountain can escalate quickly, and the costs of getting help are staggering.

If your gear is delayed in transit, good insurance will reimburse you for the cost of renting equipment so you don't miss a day on the snow.