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People setting off on winter sports holidays over the coming months have been urged to check the small-print of their insurance policies to ensure they are fully covered.

According to research by moneysupermarket.com, many winter sports policies contain caveats and conditions that could prove problematic for travellers who encounter problems.

Most winter sports policies include extras such as cover for specialist equipment but can often vary on the maximum amount that customers can claim in the event of theft or damage, according to the site.

Holidaymakers may also find that there are differences between products with regards to piste closure, avalanche closure and skiing off-piste.

Peter Gerrard, head of insurance research at moneysupermarket.com, said: 'Embarking on a winter sports holiday can be costly, especially when you add on all the necessary extras, but comprehensive cover needn't be expensive.

'Brits that save their hard earned cash for a snow-filled adventure must ensure they are adequately insured; it is important to scour the small-print before travelling to avoid any nasty surprises on the slopes. I advise Brits looking to insure their winter sports holidays not to assume more money equals better cover.'

With major resorts in France, Austria, Switzerland and other countries, Europe is one of the world's leading skiing regions and is full of winter sports enthusiasts every year.

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