Injury and medical costs
- Treatment and transport on the spot
- Repatriation through the emergency assistance centre
- Report competitions separately
Sailboard · open water · collision
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.
Deze pagina in het Nederlands: Funboarden en uw verzekering.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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.
Your cover falls into three parts: yourself, the other person and the equipment.
Recreational sailing usually falls within the ordinary cover.
If you hit a swimmer or another surfer, Article 6:162 DCC applies.
Your equipment is insured as luggage, not while you are sailing.
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.
Two points that determine whether your policy pays after an accident on the water.
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.
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.
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.
This is what people ask us most.
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.
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.
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.
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.
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.
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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