Kletterhalle
- Normally covered
- Watch out for competition entry
- Consider hired equipment separately
Mountain sport · klettersteig · rescue costs
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.
Deze pagina in het Nederlands: Klettern en uw verzekering.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
Your cover depends on where you climb, with whom, and whether it has been declared.
Belayed climbing on an artificial wall usually falls outside the exclusions.
On rock, many insurers apply the mountain sports exclusion.
Recovery from a rock face runs through the emergency assistance centre.
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.
Two points that decide whether your policy pays after a fall on the face.
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.
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).
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.
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.
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.
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.
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.
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.
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 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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