Insurance is a proper no brainer. Even the most experienced skiers and boarders have this. Firstly, check who you bank with, most current accounts come with UK Insurance but for a small fee, this can be extended to cover Winter Sports but NOT OFF PISTE!
Failing that, there are simply hundreds of companies who offer insurance, compare sites are all the rage so here's a couple of them..
We found travel insurance for as little as £12.00 for the week, with a £150.00 excess.
The key is to shop around, if you plan more than a couple of trips, maybe look to an annual policy.