Declare the competition
- Give the date and the organisation
- Surcharge or separate module
- Also for a single tournament
Duo mogul skiing and your insurance
In dual mogul skiing two skiers go down the mogul piste side by side, against the clock. That is a competition format, and competitions are excluded on virtually every travel and accident policy.
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In brief
Dual mogul skiing is mogul skiing in the form of a duel: two skiers, two courses, the faster one goes through. The terrain is the same marked mogul piste, but the competition format changes the assessment. Virtually every travel and accident insurance excludes taking part in competitions and in the organised training for them, even where it is a resort tournament or a club championship.
The risk is factually different as well: you are skiing against the clock, tired in the second half of the run, with an opponent in view. Insurers who do cover this do so through additional cover, usually with details of the competition and the level. Without that declaration there is no cover after a fall, not even for the medical expenses.
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What is covered with dual mogul skiing?
Three things determine your cover: declaring the competition, the level at which you start and whether you receive a starting fee.
Recreational or competitive
Acceptance depends on the status of the competition.
- A club event or an official ranking
- Starting money or prize money counts
- Selection training often separate
Reporting and recording
Have the organisation record the incident in writing.
- Call the emergency assistance centre about costs
- Request the competition report
- Note down witnesses and times
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Free training on the mogul piste outside competition | Yes | Yes |
| Medical expenses after a fall in the competition | No | Yes |
| Permanent disability caused by the competition | No | Provided that |
| Liability towards a fellow competitor | Provided that | Provided that |
| Taking part for starting or prize money | No | Provided that |
| Starting on a closed or condemned piste | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Competitive setting: the decisive factor with this sport
- Level and organisation: a club event or an official ranking
- Number of starts per season: one-off or a whole series
- Destination: the Alps or outside Europe
- Sums insured: especially for disability
- Age and experience: a junior class or an experienced competitor
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.
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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 determine whether your policy pays after a fall in competition.
Even a small tournament counts as a competition
The exclusion speaks of taking part in competitions and the training for them, with no lower threshold. A resort duel or a club championship therefore falls under it, as does taking part for starting or prize money. When you apply, the duty of disclosure in Article 7:928 of the Dutch Civil Codeapplies: if you do not state that you race, the insurer can reduce or refuse the payment under Article 7:930 of the Dutch Civil Code.
A collision with your opponent is not an automatic claim
If you hit the other skier in the duel, your liability insurance only comes into play where there is a wrongful act (Article 6:162 of the Dutch Civil Code). In a sport and game situation that threshold is higher: participants accept part of the risk from each other, so that not every collision leads to liability. Damage to borrowed or hired equipment in your care also remains excluded usually.
Frequently asked questions
This is what people ask us most.
Why is dual mogul skiing different from ordinary mogul skiing?
The terrain is the same, but the format is not. Dual mogul skiing is a timed competition against an opponent, and the competition exclusion applies whatever the level. Free training on the same piste is often simply included.
Does the exclusion also apply to a village tournament?
Yes. The conditions make no distinction between an official competition and a tournament in the ski village. As soon as times are recorded and a ranking is drawn up, the policy speaks of competition.
Can I have it included in the cover?
With some insurers yes, through additional cover with details of the competitions. Ask for written confirmation naming the discipline, and check whether the training sessions are included as well.
Who pays if the organisation gets something wrong?
Then the organiser can be liable, for example for an unsafe course. Legal expenses insurance (rechtsbijstandverzekering) helps you to pursue that claim. Do not count on the waiver you sign on entry. It often limits your options rather than anything else.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Freestyle skiing and your insuranceSnow park, jumps and rails, acrobatic skiing
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Ski jumping and your insuranceThe hill, a competitive sport, excluded
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Ski jumping and your insuranceThe ski jump, a competitive sport, outside piste cover
- Cross-country skiing and your insuranceTrails, backcountry touring, module
Read more
Racing dual events?
Have it recorded before the season which starts are included. We set that down with the insurer.
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.