Travel, accidents and AVP
- Injury during the flight not covered
- An AVP excludes aircraft
- Even for a single flight
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
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- Personal 072 - 509 24 56, weekdays 9–17
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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 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.
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We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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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.
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
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.
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.
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
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).
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.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Gliding and your insuranceAviation, glider, separate cover
- Hang gliding and your insuranceAir sports, hang gliding, standard exclusion
- Ultralight flying and your insuranceAir sport, flying yourself, separate policy
- 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
- Snowmobiles and your insuranceMotor vehicle, WAM obligation, damage to a hire vehicle
Read more
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.
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.