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Ballet skiing and your insurance
Ballet skiing takes place on a prepared piste and therefore counts with most insurers as ordinary winter sport. The acrobatic elements and competitions are where the cover can drop away.
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In brief
Ballet skiing, also known as acroski, is a freestyle discipline on a gently sloping, prepared piste: turns, steps and figures with poles, to music. The risk lies not in the terrain but in the fall: twisted knees, shoulders and wrists. As a result, practised recreationally the sport is usually simply included in the winter sports cover on your travel insurance.
Two things can break that. If your routine includes jumps or somersaults, some insurers move the sport into the category of acrobatic skiing, with the same exclusion as for the snow park. And if you take part in competitions or the training for them, the competition exclusion applies almost everywhere. Have it confirmed in writing before departure what is included.
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What is covered with ballet skiing?
Three things determine your cover: the winter sports module, the content of your routine and whether competition is involved.
Figures and jumps
Acrobatic elements are assessed differently from an ordinary descent.
- Turns and steps: usually covered
- Somersaults: often separately excluded
- Only during opening hours
Treatment and transport
Call the emergency assistance centre before you incur any costs.
- A guarantee of payment for the clinic
- Transport off the piste and ambulance
- Keep invoices and the injury report
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a fall on the slopes | Yes | Yes |
| Practising recreationally on an open piste | Yes | Yes |
| Jumps and somersaults in the routine | Provided that | Yes |
| Competitions and the training for them | No | Provided that |
| Practising off the piste or after closing time | No | No |
| Breakage of your own skis or poles while in use | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Risk class of the discipline: with or without somersaults
- Recreational or in competition: competitions call for a tailored solution
- Destination. Europe or beyond
- Duration of the trip: a single week or the whole season
- Sums insured: mainly for injury and disability
- Winter sports module and excess: can be added separately or included in the package
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Two points that determine whether your policy pays out after a fall.
The piste is the criterion, not the name of the sport
The winter sports cover is written for skiing and snowboarding on an an open, prepared piste. Ballet skiing stays within that, but as soon as somersaults or jumps are added, insurers place it under acrobatic skiing and the same exclusion applies as for the snow park and half-pipe. If in doubt, declare the discipline when taking out the policy. The duty of disclosure under Article 7:928 of the Dutch Civil Code rests with you.
Competitions and paid participation fall outside
Taking part in races and to the organised training for them is a standard exclusion, as is taking part for payment or as a (semi-)professional. Even where the cover does remain in place, Article 7:952 of the Dutch Civil Codestill applies: intent and recklessness are not covered, for example practising on a closed piste. Report an injury as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Does ballet skiing fall under ordinary winter sports cover?
Practised recreationally and on an open piste, usually yes. The winter sports module covers skiing on the piste, and ballet skiing stays within that. If your routine includes somersaults, some insurers apply the exclusion for acrobatic skiing.
Do I have to declare the sport separately?
Only if you perform jumps, train for competitions or teach. For ordinary recreational practice the winter sports cover is sufficient. If in doubt, declare it anyway: written confirmation in advance prevents argument after an accident.
Are my skis and poles insured?
Theft and damage during transport are often covered by the luggage section, subject to a limit. Breakage while actually skiing is usually excluded. For hired equipment the hirer's deposit arrangement applies, not your travel insurance.
What if I hit another skier?
Then your liability insurance comes into play, under Article 6:162 of the Dutch Civil Code. It covers injury and damage you cause to someone else. Damage to borrowed or hired items in your care usually falls outside it.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Freestyle skiing and your insuranceSnow park, jumps and rails, acrobatic skiing
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Ski jumping and your insuranceThe ski jump, a competitive sport, outside piste cover
- Ice sailing and your insuranceNatural ice, high speeds, liability
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
Read more
Going ballet skiing?
Have it recorded before departure whether your discipline is included. We find out which insurer accepts it.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.