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Ski race · timing · competition exclusion
Gaesterennen and your insurance
The Gästerennen is the closing ski race for course participants at the end of a ski week. As soon as time is being measured, it is a competition as far as your policy is concerned.
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Deze pagina in het Nederlands: Gaesterennen en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Gaesterennen (German: Gästerennen) refers to the slalom race for guests that ski schools in Austria, Switzerland and South Tyrol organise at the end of the course week. Participants experience it as part of the ski lesson. Insurers see something else: a closed-off course, gates and timing.
Many travel, winter sports and personal accident policies exclude taking part in competitions and the training for them . Skiing on the piste is covered, but the Friday afternoon race is precisely what is not. Some insurers make an exception for recreational races outside any official structure. That distinction is set out literally in the conditions.
What is covered in a Gästerennen?
Three questions determine your cover: is it a competition, in what structure, and who arranges the course.
Competition or practice
Timing and gates formally make it a competition.
- Practice runs count too
- Recreational races sometimes excepted
- Have it confirmed in advance
Liability on the course
If you hit a spectator or a course marshal, Article 6:162 DCC applies.
- Injury and damage to third parties
- The FIS rules of conduct count
- Never admit liability yourself
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Ordinary piste skiing during the same week | Yes | Yes |
| Taking part in the timed race | No | Provided that |
| A practice run on the closed-off course | No | Provided that |
| Medical costs after a fall in the gates | No | Yes |
| Liability towards a spectator | Provided that | Yes |
| Taking part in an official competition structure | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Where things go wrong in practice
Two points that determine whether your policy pays after a fall on the course.
Speed competitions are a standard exclusion
The exclusions in a travel or personal accident policy usually list four categories: mountain sports off the beaten track, air sports, deep diving and speed contests. A Gästerennen falls under that last category as soon as a clock is running. Entering through the ski school makes no difference.
The entry form is not insurance
Ski schools often have participants sign that they are taking part at their excess . Such a declaration limits the organiser's liability, but does not insure you. Report an injury to your insurer straight away as Article 7:941 of the Dutch Civil Code requires, and have the course management draw up an accident report.
What does your premium depend on?
- Whether or not you take part in a competition — the main question
- Recreational or official structure — a club race weighs more heavily
- Age of the participants — children often under family cover
- Duration of the trip — one week or a whole season
- Destination — the Alps or further afield
- Sums insured — medical and disability
Insurers weigh these details differently. That is why comparing pays off.
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.
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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.
Frequently asked questions
The questions we are asked most often about this.
Is a Gästerennen really a competition as far as my insurer is concerned?
Usually, yes. As soon as there are gates, a course has been closed off and times are being taken, the insurer applies the competition exclusion. The fact that the ski school presents it as the end of the lessons makes no difference to the conditions.
Does that apply to my children in ski lessons too?
Yes, the same provision applies to family members insured with you. With many insurers, children's races fall under the same exclusion. A number of companies make an exception for recreational races without official organisation; ask about that in advance.
How do I arrange cover?
Before you travel, declare that you are taking part in a race and ask for written confirmation or additional winter sports cover. Without that confirmation you bear the medical costs and the disability risk yourself.
What if I collide with someone during the race?
Then the question is whether you acted unlawfully within the meaning of Article 6:162 DCC. In a sporting situation, not every mistake is immediately regarded as unlawful. Report the incident to your liability insurer and admit nothing on the spot.
Read more
Similar pages
Are you taking part in the Gästerennen?
Have it confirmed before you travel whether competition entry is included; we will find out which insurer accepts it.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
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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.
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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.