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Check your policy wording as some policies will automatically cover you for going off-piste but many insist on ONLY covering you if you ski with a guide. Most travel insurance policies will cover you for skiing, snowboarding and snow blading but if you plan on dog sledding, tubing and tobogganing or even risking something as death-defying as the gang on Channel 4 did last night doing Skeleton then you may need extra cover.

How about that old romantic favourite the mixtape?

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