It can cost thousands of pounds if you fall on the ski slope and have to be airlifted – cash few of us have to spare. Yet more than 300,000 take the risk and head off for a ski or snowboarding holiday this winter without any travel insurance...

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Has this happened to you? How much did it cost? Are you a skier or snowboarder who is prepared to risk going without being fully insured - if so, why? Click reply and let us know...