Feel for you and Know how it feels, as reqular posters on this site will know how accident prone my daughter is (little fleety) two years ago we had ,in oxfordshire an inch of snow about two weeks before flying to pamps you can guess the rest she tried snowboarding on top of a sledge fell off and broke her wrist, the whole group (four of us) decided not to go, our insurance paid out in full minus the cost of the policy. hope this helps you feel a little bit better.