Steepness and altitude
- Couloirs and faces named separately
- A glacier raises the category
- An altitude limit in the conditions
Steep faces · high mountains · highest risk category
Extreme skiing on spring snow is about steep faces and couloirs where a fall cannot be stopped. For insurers that is a different category from ski touring, and rarely insurable without more.
Deze pagina in het Nederlands: Firn ski extreem en uw verzekering.
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Extreme spring-snow skiing is skiing in steep terrain: couloirs and faces where the descent begins on a rope, where there are crevasses in the glacier and where a slip has immediate consequences. Spring snow makes such slopes briefly skiable, but during the day it turns into heavy, sliding material.
Insurers place this in the highest risk category. On ordinary travel and winter sports cover it is excluded, and an extension for ski touring or off-piste does not cover it automatically either: many conditions name extreme skiing, steep-face skiing and expeditions separately. Accident policies also often exclude this category, including for permanent disability.
Three things determine your cover: the steepness of the terrain, the techniques used and acceptance in advance.
Some policies apply a limit in degrees or metres.
As soon as climbing technique is needed, it becomes mountain sport.
Without confirmation in your name there is no cover.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| A descent in terrain steeper than a black piste | No | Provided that |
| Medical expenses after a fall in the face | No | Yes |
| Search, rescue and helicopter recovery costs | No | Provided that |
| Payment for permanent disability | No | No |
| Descending solo, without a partner or guide | No | No |
| Skiing during an avalanche warning or in a closed area | 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.
Two points that determine whether any policy still contributes after an accident.
Insurers apply several levels within mountain sports. A module for ski touring or off-piste often stops exactly where the extreme work begins: steep-face skiing, couloirs, descents with rope protection and expeditions appear as a separate exclusion in the conditions. Have the routes stated by name and area. The duty of disclosure in Article 7:928 of the Dutch Civil Code rests with you and not with the guide.
In a fall in steep terrain you sustain both medical expenses and permanent injury. If the sport is excluded, that affects the travel cover and the personal accident cover, including the payment for disability. If you go despite an avalanche warning or into a closed area, there is also Article 7:952 of the Dutch Civil Code: intent and recklessness are never covered. In the event of an accident, call the emergency assistance centre first.
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.
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Not always. Some insurers stop at ski touring and off-piste and name extreme skiing separately in the exclusions. Where it is possible, it is done through a separate module or an expedition policy, usually with details of the area and the supervision.
Conditions speak of descents requiring climbing or protection technique, of couloirs and faces, and sometimes of a slope angle or an altitude limit. Ask which description your insurer uses and have your routes tested against it.
Often not for this sport. Accident policies exclude dangerous sports, including extreme skiing and mountain sports off the beaten track. That affects precisely the payment for permanent disability, which weighs most heavily in this kind of accident.
Without cover, you do. A helicopter recovery from a face calls for specialist resources and is invoiced on the spot. With cover, the emergency assistance centre arranges the guarantee of payment; always call first and keep the mountain rescue report.
Have it recorded in your name in advance what is included. We find out which insurer accepts this category.
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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.
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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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