Air sports · hang gliding · separate cover

Hang gliding and your insurance

Insurers class sail-wing flying as an air sport. That is one of the standard exclusions on travel, personal accident and liability cover.

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Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Zeilvleugelvliegen en uw verzekering.

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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.

In brief

You fly a sail wing: an unpowered aircraft that you launch from a slope, by winch or by aerotow. To an insurer that is not a sport but aviation. Ordinary travel insurance, personal accident insurance and personal liability insurance for private individuals usually rule out taking part in air sports from, even if you fly only once.

Cover therefore has to come from another direction: a liability insurance policy for the aircraft and personal accident cover that expressly includes air sports, usually through a club or federation. Always ask in writing what exactly is included: passenger flights, competitions and instruction are often arranged separately.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered in sail-wing flying?

Three things determine your position: the exclusion on your own policies, the cover through the club and what you declare in advance.

Your own policies

Travel, accidents and AVP

Air sports are among the standard exclusions here.

Injury during the flight not covered
An AVP excludes aircraft
Even for a single flight

Through the club

Insurance around the aircraft

Liability towards third parties runs through aviation cover.

Injury to people on the ground
Often linked to membership
Check whether you are insured yourself

In advance

Declaring it and having it confirmed

Only written acceptance counts when you claim.

Declare the sport before you travel
Ask for the policy conditions
Take care outside Europe

What is covered

Situation	Standard	With extension
Medical costs after a fall during the flight	No	Provided that
Permanent disability after an air sports accident	No	Provided that
Repatriation after an accident abroad	No	Yes
Damage you cause to third parties with the sail wing	No	Yes
Damage to the sail wing itself	No	Provided that
Taking part in competitions and record attempts	No	No

What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.

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

Almost every travel and accident policy excludes three categories: air sports, mountain sports off the beaten track and speed and skill contests. Sail-wing flying falls unconditionally under the first. In addition, damage caused with an aircraft is excluded under personal liability insurance for private individuals, while you may still be liable under Article 6:162 of the Dutch Civil Code.

Parachuting and skydiving

What you do not declare does not count

If you practise the sport regularly, declare it when you take out personal accident or disability insurance (AOV): that is the duty of disclosure under Article 7:928 of the Dutch Civil Code. Withholding it can cause the payout to lapse (Article 7:930 of the Dutch Civil Code). Flying in prohibited weather conditions or without a valid licence is assessed as recklessness (Article 7:952 of the Dutch Civil Code).

What does your premium depend on?

Risk class of the sport: air sports are in the highest
Recreational or in competition: competitions are often excluded
Experience and licence: training and flying hours count
Launch method: slope, winch or aerotow
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.

Request a quote

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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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Is sail-wing flying covered on my travel insurance?

Usually not. Air sports are among the standard exclusions, as are mountain sports and speed competitions. A single flight falls under it too. Ask in writing before you travel whether an extension is possible.

Does my liability insurance cover damage to third parties?

No. The AVP excludes damage caused with an aircraft. For that you need liability cover attached to the aircraft, often arranged through the club or the owner of the sail wing.

What is covered if I am only travelling along?

Luggage, cancellation and ordinary medical costs remain insured as normal. The exclusion only affects loss arising from or during the flying itself, including search, rescue and recovery costs.

Does a tandem flight as a passenger count as well?

Often it does. Some insurers distinguish between flying yourself and flying along with a recognised operator. Have that difference confirmed in writing in advance; do not rely on a verbal assurance.

Within Reisverzekering

Service

Are you going sail-wing flying?

Have it recorded before your first flight what cover you have. We will find out which insurer accepts air sports.

Request a quote

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Hang gliding and your insurance

In brief

What is covered in sail-wing flying?

Travel, accidents and AVP

Insurance around the aircraft

Declaring it and having it confirmed

Where things go wrong in practice

Air sports, mountain sports and competitions are the standard exclusions

What you do not declare does not count

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Are you going sail-wing flying?

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Hang gliding and your insurance

In brief

What is covered in sail-wing flying?

Travel, accidents and AVP

Insurance around the aircraft

Declaring it and having it confirmed

Where things go wrong in practice

Air sports, mountain sports and competitions are the standard exclusions

What you do not declare does not count

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

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