Within the markers
- Medical expenses on the spot
- Recovery from the piste and transport
- Repatriation through the emergency assistance centre
Glacier skiing and your insurance
Skiing on a prepared glacier piste is usually simply included. As soon as you leave the markers, the exclusion for mountain sports off the beaten track applies.
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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
Glacier skiing has two faces. On a marked, prepared piste on top of the glacier it is no different for your insurer from ordinary skiing: the winter sports cover applies. As soon as you ski beside the markers, you are in unmanaged glacier terrain with crevasses under snow bridges, and that is a different risk category.
Most policies follow that line. Usually excluded are skiing off the marked piste, glacier tours with rope and crampons and skiing in closed areas or areas under warning. If you want to go up onto the glacier plateau with a guide, declare it before you leave and have the acceptance confirmed in writing.
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What is covered with glacier skiing?
Your cover depends on three things: the markers, the supervision and the declaration in advance.
Crevasses and snow bridges
Unmanaged glacier terrain counts as mountain sport off the beaten track.
- Declare it in advance and have it accepted
- Usually only with a recognised guide
- Rope, harness and crevasse rescue
Recovery from a crevasse
A rescue on the glacier calls for specialist equipment.
- Call the emergency assistance centre about costs
- A helicopter is often the only way
- Keep the recovery report
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Skiing on a marked glacier piste | Yes | Yes |
| Skiing beside the markers on the glacier | No | Provided that |
| Search, rescue and recovery costs from a crevasse | Provided that | Yes |
| A glacier tour with rope, harness and crampons | No | Provided that |
| Liability after a collision on the piste | Yes | Yes |
| 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 in advance.
What does your premium depend on?
- On-piste or off-piste: the main question
- Accompaniment by a guide: often a condition of acceptance
- Purpose and amount: the Alps or high mountains further afield
- Duration of the trip: a single week or the whole season
- Sums insured: mainly recovery costs and disability
- Age and experience: counts towards acceptance
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 glacier.
The markers are the dividing line in the policy
A travel or accident policy excludes as standard mountain sports off the beaten track, air sports, deep diving and speed contests. A glacier piste is prepared terrain, the snow beside it is not. A short traverse between two pistes therefore already falls outside the cover.
Recklessness undermines even cover that has been accepted
If off-piste skiing is included, then Article 7:952 of the Dutch Civil Code still applies: intent and recklessness are not covered. Going onto a glacier field unaccompanied during an avalanche risk, or skiing past a barrier, is treated in that way. Report an accident immediately (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is skiing on a glacier covered as standard?
On a marked and prepared glacier piste usually yes, through the winter sports cover. The altitude or the glacier itself is not the problem. The exclusion starts with skiing off the markers and with tours across unmanaged glacier terrain.
What does a recovery from a glacier crevasse cost?
That differs considerably by country and rescue service and is not fixed in advance. Reckon on a helicopter and a specialist team. Always call the emergency assistance centre first, so that they arrange the guarantee of payment before the costs mount up.
Does a mountain guide help with acceptance?
Often yes. Insurers that include glacier tours usually make it a condition that you go with a recognised guide and carry the usual equipment. Going onto the glacier field on your own initiative remains excluded even then.
Am I insured if I collide with someone?
Liability for injury or damage to another skier normally runs through your liability insurance, under Article 6:162 of the Dutch Civil Code. If it happens during an activity that is excluded, the insurer can refuse that cover too.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
- Firn blaettern and your insuranceSpring snow, off-piste, wet avalanches
- Ski touring and your insuranceClimbing skins, avalanche risk, high mountains
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- Firn ski extreem and your insuranceSteep faces, high mountains, highest risk category
- Ice climbing and your insuranceFrozen waterfall, falling ice, recovery costs
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
Read more
Heading up onto the glacier?
Have it recorded before departure how far your cover extends and what is arranged for recovery.
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.