Winter sports cover and an addition
- The winter sports module as a basis
- The snow park sometimes named separately
- Ask for written confirmation
Freestyle skiing and your insurance
Freestyle skiing takes place on the piste, but with jumps, rails and somersaults. Many insurers treat that as acrobatic skiing and exclude it from ordinary winter sports cover.
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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
Freestyle skiing takes place in the snow park and the half-pipe: kickers, rails, boxes and rotations. The terrain is managed and marked, so unlike off-piste the risk lies not in avalanches but in the landing. Back, shoulder and head injuries occur more often in this discipline than in ordinary descents.
Insurers translate that in two ways. Some simply include the snow park in the winter sports module; others name freestyle skiing, jumps and halfpipe as an exclusion, so that you need additional cover. Competitions, the training for them and practice for payment fall outside almost everywhere. So ask in writing before departure what is included.
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What is covered with freestyle skiing?
Three things determine your cover: use of the park, the type of jumps and whether competition is involved.
Kickers, rails and pipe
The obstacles determine how the insurer classifies the sport.
- Only during opening hours
- No closed-off or closed lines
- A helmet prescribed almost everywhere
Head, back and transport
Call the emergency assistance centre before you incur any costs.
- A guarantee of payment for the clinic
- Adapted transport home
- Keep invoices and the medical report
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Skiing on the ordinary piste | Yes | Yes |
| Jumps and rails in an open snow park | Provided that | Yes |
| Somersaults and rotations in the half-pipe | No | Yes |
| Home-made kickers off the piste | No | No |
| Competitions and training for them | No | Provided that |
| Entering the park after closing time or past the barrier | 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?
- Risk class of the discipline: park, pipe or piste only
- Recreational or in competition: competitions call for a tailored solution
- Destination: the Alps or outside Europe
- Duration of the trip: a single week or the whole season
- Sums insured: above all for disability and transport
- Age and experience: juniors in the park group or experienced
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 that determine whether your policy pays after a hard landing.
Acrobatic skiing stands apart in the conditions
Many policies cover skiing on the piste but name freestyle skiing, jumps and halfpipe as an exception to it. Whether the park is included therefore depends not on the ski area but on your conditions. Declare the discipline when taking out the policy. The duty of disclosure in Article 7:928 of the Dutch Civil Code rests with you, and an incomplete declaration can reduce the payment or cause it to fall away (Article 7:930 of the Dutch Civil Code).
Outside the park and outside the hours, everything falls away
Home-made jumps beside the piste fall under off-piste and therefore under the mountain sports exclusion. Jumping in a closed-off or closed park is treated as reckless conduct, for which Article 7:952 of the Dutch Civil Code gives no cover. Practice in a competitive setting or for payment is also excluded as standard. Damage to your own skis while in use moreover falls outside the luggage cover.
Frequently asked questions
This is what people ask us most.
Does the snow park fall under winter sports cover?
That differs by insurer. Some policies cover everything on the open piste, including the park; others name acrobatic skiing and the half-pipe separately as an exclusion. Read the conditions on this point and ask for written confirmation where needed.
Do I have to wear a helmet?
Insurers rarely prescribe it in so many words, but park rules do. If you ignore the local rules and are injured, that can be treated as reckless conduct and put the payment under pressure.
Am I insured if I hit someone on a jump?
Your liability insurance covers injury you cause to someone else, under Article 6:162 of the Dutch Civil Code. In a sport and game situation the threshold for liability is higher, because participants accept part of the risk from each other.
Are my skis and helmet insured?
Theft and transport damage are usually covered by the luggage section, with a limit per item. Breakage while actually skiing is usually excluded. For hired equipment the hirer's deposit arrangement applies, not your travel insurance.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Duo mogul skiing and your insuranceCompetition format, two courses side by side, exclusion
- Ski jumping and your insuranceThe ski jump, a competitive sport, outside piste cover
- Ice sailing and your insuranceNatural ice, high speeds, liability
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
Read more
Heading into the park?
Have it recorded before departure whether jumps and the half-pipe are included. We find out which insurer accepts that.
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.