Kletterhalle
- Normally covered
- Watch out for competition entry
- Consider hired equipment separately
Climbing and your insurance
Klettern is the German word for climbing. You will come across the term on bookings in Austria, Germany and Switzerland. Your policy assesses the activity, not the word.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Under Klettern covers a great deal: a Kletterhalle in town, a Klettergarten with bolted anchors, and a Klettersteig or via ferrata along a steel cable on a mountain face. For your insurance those are three different risks, even though the booking uses a single word.
The indoor wall is usually covered as normal. Everything that takes place outdoors in the mountains falls, with many insurers, under the exclusion for mountain sports: roped climbing, klettersteig, glacier crossings and anything above an altitude stated in the policy. That is the same category as air sports and speed competitions.
Declare the activity before you leave and in Dutch, so that there is no misunderstanding about what you intend to do. Ask for written confirmation. A verbal assurance at the counter will not help you during a rescue.
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What is covered in klettern?
Your cover depends on where you climb, with whom, and whether it has been declared.
Klettergarten and klettersteig
On rock, many insurers apply the mountain sports exclusion.
- Declare and have accepted in advance
- Often only with a guide or Bergführer
- Insist on a set and a helmet
Mountain rescue
Recovery from a rock face runs through the emergency assistance centre.
- Arranging a guarantee
- Helicopter deployment is expensive
- Keep the rescue report
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Climbing in a Kletterhalle | Yes | Yes |
| Klettersteig or via ferrata with a set and helmet | No | Yes |
| Roped rock climbing in a klettergarten | No | Yes |
| Search, rescue and recovery costs in the mountains | No | Yes |
| Climbing on a glacier or above the altitude limit in the policy | No | Provided that |
| Taking part in a climbing competition | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
What does your premium depend on?
- Risk class of the sport: indoor wall, rock or high mountains
- Guidance: with a guide or on your own
- Destination: the Alps, the Dolomites or further afield
- Duration of the trip: a single week or the whole season
- Sums insured: above all for rescue costs and disability
- Recreational or in competition: competitions are more expensive
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.
9.5New policy
9.8Claims handling
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 decide whether your policy pays after a fall on the face.
The mountain sports exclusion is wider than people think
Travel and accident policies generally exclude four categories: mountain sports off the beaten track, air sports, diving below your certified depth and speed contests. A klettersteig is not on a marked path, even though there is a cable and you are with a guide. A single day counts too.
Costs of mitigating the loss are a separate section
Medical costs and search, rescue and recovery costs appear in the policy as two separate sections with their own limits. A policy can pay the hospital and refuse the mountain rescue. Always call the emergency assistance centre first and report the accident immediately (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is klettern different from climbing?
No, it is the same thing. The term appears mainly on German-language bookings and courses. Your insurer looks at the activity: indoors on an artificial wall, outdoors on rock, or via ferrata on a mountain face.
Is a klettersteig covered?
Often not without an extension. Many insurers treat a via ferrata as a mountain sport, even though you are clipped to a cable. Declare it in advance and ask for written confirmation before you set out.
Does a Bergführer help with acceptance?
Often yes. Insurers that include climbing usually make supervision by a recognised guide a condition, together with the usual equipment. Climbing on your own then remains excluded.
Who pays for the mountain rescue?
Only your insurer, if rescue costs appear in the policy and the sport has been accepted. Call the emergency assistance centre before you incur costs and keep the mountain rescue report and all invoices.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Firn blaettern and your insuranceSpring snow, off-piste, wet avalanches
- Ski safaris and your insuranceMulti-day tour, remote, repatriation
- Glacier skiing and your insuranceCrevasses, off-piste, recovery costs
- Zip lining and your insuranceZip line, ropes course, fall height
Going klettern in the Alps?
Before you leave, have your cover confirmed in writing. We will find out which insurer accepts climbing.
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.