With many dealers offering free cover on new vehicles, anyone who bought a new car this time last year and benefitted from a year's free insurance should beware of renewing the same policy,
Winter sports insurance has become more refined as skiers are getting more adventurous. Some policies won't cover you for activities such as ice-skating or tobogganing ... some, particularly the no-frills cover can be very limited.
Don't assume that all travel policies are the same, or that they will cover you for everything that might go wrong. Many policies, particularly the no-frills cover, can be very limited.