Travel, accidents and AVP
- Injury as occupant or pilot
- An AVP excludes aircraft
- Even on an introductory flight
Gliding and your insurance
To an insurer, gliding is not a sport but aviation. On ordinary travel, personal accident and liability policies it is almost always excluded.
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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
You fly an unpowered aircraft that is launched by winch or tow plane. That makes it an aircraft, and that changes everything: travel insurance, personal accident insurance and personal liability insurance for private individuals usually exclude aviation and air sports. The exclusion applies to an introductory flight or a training flight as well.
What does have to be arranged falls outside your package policy. A glider is subject to a compulsory insurance requirement for liability towards third parties; that cover belongs to the aircraft and is taken out by the owner or the club. Injury to the pilot is not covered by it — for that you need personal accident cover that includes aviation needed.
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What is covered in gliding?
Three tracks run alongside each other: your own policies, the cover around the aircraft and your own risk of injury.
Aircraft liability
Compulsory cover for damage to third parties and to property on the ground.
- Arranged through the owner or the club
- Own-damage cover for the aircraft is separate
- Check who is insured as pilot
Accidents and income
Permanent injury affects your income, not just your travel cover.
- Declare the sport when you apply
- Check the AOV conditions
- Ask for written confirmation
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after an accident during the flight | No | Provided that |
| Permanent disability of the pilot | No | Provided that |
| Damage to people or property on the ground | No | Yes |
| Damage to the glider itself | No | Provided that |
| Recovery after an out-landing | No | Provided that |
| Taking part in competitions and record flights | 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: aviation is in the highest
- Recreational or in competition: competitions are often excluded
- Flying hours and licence: experience counts
- Role on board: pilot, instructor or passenger
- Country where you fly: inside or outside Europe
- Sums insured: especially for 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 anyone pays after an accident.
Air sports, mountain sports and competitions are the standard exclusions
On virtually every travel and personal accident policy three categories fall outside the cover: air sports and aviation other than as a passenger on a scheduled flight, mountain sports off the beaten track and speed contests. Gliding falls entirely into the first category. On top of that, the AVP excludes damage caused with an aircraft, while under Article 6:162 of the Dutch Civil Code you may well be liable.
Parachuting and skydiving
Withholding it costs you the payout
If you fly regularly, declare it when you take out personal accident, term life or disability insurance (AOV). That is the duty of disclosure under Article 7:928 of the Dutch Civil Code; a breach can reduce the payout or cause it to lapse (Article 7:930 of the Dutch Civil Code). Flying without a valid certificate of competence, or in an aircraft that is not airworthy, is assessed under Article 7:952 of the Dutch Civil Code.
Frequently asked questions
This is what people ask us most.
Is gliding covered on an ordinary travel insurance policy?
Almost never. Travel policies cover you as a passenger on a scheduled flight, not as the pilot or occupant of a glider. The exclusion for aviation and air sports applies to a one-off introductory flight as well.
Who arranges liability towards third parties?
That belongs to the aircraft and is arranged by the owner or the gliding club; aircraft are subject to compulsory insurance. Ask whether you are covered as a pilot under that policy and what amount is insured.
What happens after an out-landing?
Damage to crops, fencing or the aircraft itself is not covered by your travel insurance. Recovery and repair costs run through the cover attached to the aircraft, often with an excess for the pilot or the club.
Does gliding affect my disability insurance?
It may. Many AOV policies contain an exclusion or a surcharge for air sports. Declare the sport when you apply and have it recorded in writing whether disability caused by a flying accident is included.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Hang gliding and your insuranceAir sports, hang gliding, separate cover
- Ultralight flying and your insuranceAir sport, flying yourself, separate policy
- Hang gliding and your insuranceAir sports, hang gliding, standard exclusion
- Skysurfing and your insuranceAir sport, parachute, excluded
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Paragliding and your insuranceAir sport, canopy flying, liability
Read more
Similar pages
Are you going gliding?
Have it recorded before your first flight what cover you have. We will find out which insurer accepts aviation.
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.