Within the markers
- Medical expenses on the spot
- Recovery from the piste and transport
- Repatriation through the emergency assistance centre
Crevasses · off-piste · recovery costs
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.
Deze pagina in het Nederlands: Gletsjerskiën 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.
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.
Your cover depends on three things: the markers, the supervision and the declaration in advance.
Prepared glacier pistes fall under ordinary winter sports cover.
Unmanaged glacier terrain counts as mountain sport off the beaten track.
A rescue on the glacier calls for specialist equipment.
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.
Two points that determine whether your policy pays after an accident on the glacier.
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.
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).
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.
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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.
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.
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.
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.
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.
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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