A serious skiing accident can cost an injured motorist who is unable to drive up to £11,000 a year, according to Longford Insurance Schemes.

The mobility insurer, whose leading scheme is Chauffeurplan, bases its estimate on taxi fares (an average journey to work of ten miles can cost £500 a month) and other associated costs of a skiing injury.

Longford's special scheme bridges the gap between motor insurance and the cover needed to keep driving.

The policy's benefits include travel cost payments of up to £15,600 a year for an injured motorist who is unable to drive, and car hire expenses for up to 28 days. Premiums start from £6.20 a month.

Companies with three or more drivers can receive a 10% discount and can offset the premium against tax.