If book your holidays through a travel agent, either online or via the high street, chances are that you'll be asked if you want to include travel insurance at some point during the transaction Faced with this question, consumers can often make one of two big mistakes

Remember the days when grandparents might toddle off to the coast for a holiday When the most adventurous trip they might take was a sight-seeing bus through the Highlands

If you're off to the slopes this winter, you're probably expecting a week or two of exhilarating fun with the odd hot cocoa by the fire and a few nights out with friends or family You're probably not counting on spending an afternoon getting your arm or leg plastered in a hospital or clinic emergency room - but it's certainly something you should plan for