Notify it and have it accepted
- Name the sport specifically
- Ask for written confirmation
- Even for a single trip
Underground · rope technique · cave rescue
Caving means exploring caves, often with rope techniques and sometimes with diving equipment. Insurers count it as a mountain sport and usually exclude it from ordinary cover.
Deze pagina in het Nederlands: Speleologie en uw verzekering.
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What sets caving apart is the rescue. Bringing an injured person out of a vertical shaft or a narrow passage often takes a specialist cave rescue team many hours or days. Those costs fall outside the ordinary search and recovery cover, which is written for recovery above ground.
As a result, caving is very hard to insure. Some insurers exclude it by name; others bring it under mountain sports and climbing. Where cover is possible, it almost always applies only to the sport practised in a club setting with recognised supervision, and not to cave diving.
Three points determine whether your policy pays after an accident underground.
Without acceptance in advance there is no cover for this sport.
Acceptance usually depends on the organisation you descend with.
A rescue underground works differently from a recovery in the mountains.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a fall in the cave | No | Yes |
| Search and rescue costs underground | No | Provided that |
| Permanent disability | No | Provided that |
| Liability towards fellow cavers | Provided that | Yes |
| Cave diving beyond a sump | No | No |
| Loss of or damage to ropes and climbing equipment | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Two points that determine whether your policy pays out after an accident underground.
Diving beyond a sump is enclosed diving with no direct route to the surface. Where policies still include sport diving to a limited depth, cave diving remains excluded, even with a licence. The same list generally names mountain sports, air sports, deep diving and speed competitions as not covered.
If the insurer asks about high-risk sports, the duty of disclosure of Article 7:928 of the Dutch Civil Codeapplies. If you conceal that you go caving, the insurer can later rely on Article 7:930 of the Dutch Civil Code and reduce or refuse the payment. Report an accident immediately (Article 7:941 of the Dutch Civil Code).
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
Usually not. The sport falls under the exclusion for mountain sports and climbing, or is named specifically. Only additional cover for high-risk sports can offer a way out, and not every insurer offers it.
Without accepted cover, you do. A cave rescue calls for specialist teams and takes a long time. Check in advance whether search and rescue costs underground are included. Some policies cover only recovery at the surface.
Often yes. Insurers that accept this sport generally require you to descend with a recognised club, association or guide and to wear the prescribed equipment. Descending solo remains excluded even then.
No. Cave diving is a separate discipline with its own certification and falls outside diving cover, even with a valid licence. Insurers treat it as enclosed diving and exclude it regardless of depth.
Have it established before departure whether this sport has been accepted. We find out which insurer does so.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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.
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This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.
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