We have the LLoyds policy which is ok. You must ring in advance and change it to winter ski package and it only covers you for 2 weeks skiing............well if you don't claim they'll never know
rac gives 21 days but you dont have to call to tell them your going so how do they know how long you have skiied for, anual def best way forward we always have one, then I am adicted to holidays five last year have been told got to cut back but a week off in the UK is a week wasted