Flying along as a passenger
- Sometimes covered without a surcharge
- Ask in writing in advance
- The operator must be licensed
Hang gliding and your insurance
Hang gliding counts as an air sport for insurers. That is one of the standard exclusions on travel, personal accident and liability cover.
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Work out for yourself what it would cost.
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- 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
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.
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What is covered in hang gliding?
Three questions determine your cover: are you flying yourself, have you declared it and who is liable.
Licence and air sports cover
Flying yourself falls under the air sports exclusion.
- Separate cover or club insurance
- A licence and a valid medical certificate
- Training flights count too
Recovery and repatriation
An emergency landing in inhospitable terrain makes help expensive.
- Call the emergency assistance centre about costs
- Recovery often arranged separately
- Keep the accident report
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.
What does your premium depend on?
- Flying yourself or tandem: the main question
- Licence and flying hours: experience weighs heavily
- Recreational or competition flying: competitions are more expensive
- Destination and terrain: flat country or high mountains
- Length of the cover: a single trip or the whole year
- Sums insured: disability and recovery
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.
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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 a flying accident.
Air sports are a standard exclusion
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.
Parachuting and skydiving
Your liability insurance does not cover aircraft
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.
Frequently asked questions
This is what people ask us most.
Is a tandem flight insured?
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.
Does my personal accident insurance cover hang gliding?
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.
What if I do not declare it?
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.
Am I covered during an introductory course?
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.
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
- Gliding and your insuranceAviation, glider, separate cover
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Skysurfing and your insuranceAir sport, parachute, excluded
- Paragliding and your insuranceAir sport, canopy flying, liability
- Gaesterennen and your insuranceSki race, timing, competition exclusion
Read more
Are you going hang gliding?
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.
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.