Recreational or extreme
- An ordinary survival run
- Electric or fire obstacles
- A competition with prize money
Tijgeren (belly crawling) and your insurance
Leopard crawling means moving forward on your elbows and stomach, usually under barbed wire or nets in a survival or obstacle run. As an act in itself it is not a high-risk sport for insurers.
- 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
Leopard crawling does not appear in policy conditions. What does count is the event at which you do it. An ordinary survival run or bootcamp is generally included on your travel, personal accident and health cover: there is no height, no engine and no speed competition within the meaning of the exclusions.
Injuries are usually superficial: grazes, cuts from barbed wire, dirt in the eyes and skin infections after contact with muddy or ditch water. It becomes more awkward at runs with electric shocks, fire or large drops; some insurers class those as an extreme sport.
Independent, personal, sorted quickly
We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Travel insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What is covered in leopard crawling?
Cover depends on the type of event, not on the obstacle itself.
Injury and treatment
Wounds and eye injuries run through health or travel insurance.
- Treatment abroad
- Tetanus and wound care
- Physiotherapy through supplementary cover
Clothing and phone
Damage from the activity itself is rarely baggage damage.
- Wear always excluded
- Water in the phone
- The organiser’s locker
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Treatment of cuts and grazes | Yes | Yes |
| Taking part in a recreational survival run | Yes | Yes |
| A run with electric or fire obstacles | Provided that | Yes |
| A competition for prize money or professional sport | No | Provided that |
| Military or paramilitary training | No | No |
| Ruined clothing and shoes after the run | No | No |
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?
- Type of event: recreational or extreme
- Competition or not: a classification counts
- Destination: at home or abroad
- Sums insured: mainly for disability
- Age and fitness: counts on personal accident cover
- Number of entries per year: one-off or a regular programme
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 on which entrants to obstacle runs are pulled up.
It is the event that is assessed, not the obstacle
The familiar exclusions are mountain sports, air sports, deep diving and speed competitions. Leopard crawling touches none of the four. If the same run does include a climbing wall at height, a jump from a tower or a timed classification, the insurer may still class your entry as a high-risk sport.
Your clothing and phone are not baggage damage
Baggage cover excludes damage from normal use, wear and moisture. Mud in a watch or a soaked phone is therefore rarely covered. If you hit a fellow runner with an obstacle, your liability insurance comes into play through Article 6:162 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
Is leopard crawling a high-risk sport for my insurer?
In itself, no. Crawling under a net or barbed wire falls outside the usual exclusions. The assessment is about the event in which it appears. An obstacle run with height, fire or electricity may well be classed as extreme.
Who pays if I cut myself on barbed wire?
Treatment runs through your health insurance, supplemented abroad by travel insurance. If the obstacle was badly built, you can pursue the organiser. The participation conditions usually contain a waiver that limits this.
Does my personal accident insurance cover permanent injury?
Generally yes for recreational entry. Watch for clauses on professional sport, competitions for prize money and military training. Those are often excluded. Ask for the wording if you enter organised competitive runs.
Is my watch or phone insured during the run?
Rarely. Baggage covers exclude damage from moisture, mud and normal use, and valuables often call for separate insurance. Leave valuable items in the organiser’s locker.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ice hockey and your insuranceContact sport, competitive play, dental damage
- Funboarding and your insuranceSailboard, open water, collision
- Surfing and your insuranceSurf, currents, your own board
- Yetiballing and your insuranceAttraction, operator, neck injury
- Gaesterennen and your insuranceSki race, timing, competition exclusion
- Swingbo and your insuranceFree fall, rope safety, operator
- Ski flying and your insuranceFlying hill, elite sport, spectator
Read more
Are you entering an obstacle run?
Send us the programme for the event. We check whether your policy covers your entry.
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.