Flying along as a passenger
- Sometimes covered without a surcharge
- Ask in writing in advance
- The operator must be licensed
Air sports · hang gliding · standard exclusion
Hang gliding counts as an air sport for insurers. That is one of the standard exclusions on travel, personal accident and liability cover.
Deze pagina in het Nederlands: Hanggliding en uw verzekering.
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In hang gliding you hang in a harness beneath a fixed wing and launch from a slope or behind a winch. Insurers class that as air sports, together with paragliding, gliding and parachuting. Air sports appear in the exclusionson virtually every travel and personal accident policy, even for a single flight.
Your liability insurance usually does not help here either: it excludes damage caused with an aircraft. A tandem flight with a licensed pilot is a different matter. You are then a passenger and some insurers do provide cover. If you fly yourself, separate air sports cover needed.
Three questions determine your cover: are you flying yourself, have you declared it and who is liable.
As a passenger with a recognised operator, your position is better.
Flying yourself falls under the air sports exclusion.
An emergency landing in inhospitable terrain makes help expensive.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| A tandem flight as a passenger with a recognised operator | Provided that | Yes |
| Flying yourself with your own hang glider | No | Provided that |
| Medical costs after a hard landing | No | Yes |
| Permanent disability after a flying accident | No | Provided that |
| Liability for damage on the ground | No | Provided that |
| Taking part in competitions or distance flights | No | Provided that |
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 a flying accident.
Four categories recur among the exclusions in virtually every travel and personal accident policy: mountain sports off the beaten track, air sports, deep diving and speed contests. Hang gliding inevitably falls under the second category. Many policies only cover travel as a passenger in an aircraft with an operating licence; a hang glider does not fall within that.
If you hit a car, a roof or a bystander on landing, that does not run through ordinary liability insurance: it carries an exclusion for damage caused with aircraft. The assessment under Article 6:162 of the Dutch Civil Code still applies, but you bear the loss yourself without separate air sports cover.
Insurers weigh these details differently. That is where your saving is.
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Sometimes. Some insurers make an exception for passengers with a licensed operator, because you are not flying the aircraft yourself. Other policies exclude all air sports, including as a passenger. Ask about this in writing before the flight.
Usually not. Personal accident policies carry the same air sports exclusion as travel policies. Payment on death or permanent disability therefore lapses. Separate air sports cover exists, often through a flying club or a specialist insurer.
Then there is no cover for the consequences. What is more, an incorrect declaration touches on the duty of disclosure under Article 7:928 of the Dutch Civil Code. The insurer can then limit or refuse the payout under Article 7:930 DCC.
Training flights fall under the same air sports exclusion as free flights. The school's insurance usually covers only its own liability, not your injury. Arrange your own cover before you start the course.
Have it confirmed before your first flight whether air sports are included. We will find out which insurer accepts it.
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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