Recreational or extreme
- An ordinary survival run
- Electric or fire obstacles
- A competition with prize money
Obstacle run · mud · skin and eyes
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.
Deze pagina in het Nederlands: Tijgeren en uw verzekering.
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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.
Cover depends on the type of event, not on the obstacle itself.
The organiser determines which category your run falls into.
Wounds and eye injuries run through health or travel insurance.
Damage from the activity itself is rarely baggage damage.
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.
Two points on which entrants to obstacle runs are pulled up.
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.
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.
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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.
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.
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.
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.
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.
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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