Injury and medical costs
- Treatment and transport on the spot
- Repatriation through the emergency assistance centre
- Report competitions separately
Funboarding and your insurance
Funboarding is windsurfing on a short board in waves and at speed. Recreational use is often included, but competitions and damage to the board usually are not.
- 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
Most insurers do not treat funboarding as an extreme sport. As long as you sail recreationally, injury and medical costs are normally included under travel and personal accident cover. The risk here lies not in height or depth but in speed on busy water: collisions with swimmers, other boards or a boat, and a mast or fin that comes with you in a fall.
It does go wrong on three points. Insurers exclude speed competitions and training for them, luggage cover excludes sports equipment while in use, and liability insurance carries an exclusion for damage caused with craft, under which some insurers also class a sailboard.
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What is covered in funboarding?
Your cover falls into three parts: yourself, the other person and the equipment.
Liability after a collision
If you hit a swimmer or another surfer, Article 6:162 DCC applies.
- Injury and damage to third parties
- Watch the watercraft exclusion
- Never admit liability yourself
Board, mast and sail
Your equipment is insured as luggage, not while you are sailing.
- Theft from the car covered only in part
- A hired board falls under care, custody and control
- The hire company's deposit is your risk
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses after a fall or collision | Yes | Yes |
| A search and rescue operation on open water | Provided that | Yes |
| Liability after a collision with a swimmer | Provided that | Yes |
| Your own board breaking while sailing | No | Provided that |
| Taking part in a speed or slalom competition | No | Provided that |
| Sailing when the event is called off or from a closed beach | 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?
- Risk class of the sport: funboarding sits in the middle class
- Recreational or in competition: competitions attract a surcharge
- Destination. Europe, Cape Verde or further afield
- Duration of the trip: a single week or the whole season
- Insuring the equipment as well: declare the board and sail separately
- Sums insured: especially medical costs and disability
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 an accident on the water.
Competitions fall outside the ordinary cover
Travel and personal accident policies exclude four categories as standard: mountain sports off the beaten track, air sports, deep diving and speed contests. Funboarding mainly touches on the last of these. A local slalom or speed run with timing counts too, however informal the organisation.
Your board is precisely not insured while you are sailing
Baggage cover excludes sports equipment while in use: a broken mast or a torn sail on the water is not luggage damage. If you hire equipment, the care, custody and control exclusionapplies on your liability insurance. Report damage straight away, as Article 7:941 of the Dutch Civil Code requires.
Frequently asked questions
This is what people ask us most.
Is funboarding a risk sport for insurers?
Usually not. With most insurers, recreational windsurfing sits in the normal risk class, unlike mountain sports or deep diving. If you take part in competitions or sail in the waves at an ocean spot, check the exclusions in your conditions.
Does my liability insurance cover a collision?
That depends on the definition in the policy. Many liability policies exclude damage caused with watercraft and class a sailboard as such. Others make an exception for small, unpowered craft. Ask about this before you travel.
Is my own board insured?
As luggage, often yes; while sailing, no. Breakage or loss on the water falls under the exclusion for sports equipment in use. Theft from a car is usually covered only in part, and only if the board was stowed out of sight.
What if I am injured and have to be rescued?
Call your insurer's emergency assistance centre before you incur costs. They arrange the guarantee of payment for treatment and transport. The costs of a rescue operation on open water are not covered everywhere; have this confirmed in writing in advance.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
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- Hydrospeed and your insuranceWhite water, float board, difficulty class
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- Tijgeren (belly crawling) and your insuranceObstacle run, mud, skin and eyes
Read more
Are you going funboarding?
Have it confirmed before you travel what is arranged for yourself, your liability and your equipment.
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.