Injury and cold
- Treatment and transport on the spot
- Hypothermia and frostbite
- Repatriation through the emergency assistance centre
Sled dogs · polar regions · hired equipment
A guided husky tour rarely counts as a hazardous sport and is usually covered by your travel insurance. The points to watch are the dogs, the hired equipment and the distance to help.
Deze pagina in het Nederlands: Huskytochten en uw verzekering.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Unlike mountaineering or air sports, a guided husky tour does not appear in most insurers' exclusions. Injury after a fall from the sled, a dog bite or hypothermia normally falls under ordinary travel and personal accident cover. The real risk is the distance to medical help in Lapland, Norway or Canada.
There are three other points to note. The sled and equipment you hire fall under the care, custody and control exclusion of your personal liability insurance (AVP), multi-day tours in remote areas are sometimes classed as an expedition, and a snowmobile included in the programme is a motor vehicle with its own insurance requirement.
Three elements determine where you stand: yourself, the dogs and the equipment.
A guided day tour usually falls within ordinary cover.
The keeper of the animal is liable under Article 6:179 of the Dutch Civil Code.
Hired items are goods in your care.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a fall from the sled | Yes | Yes |
| Treatment after a dog bite | Yes | Yes |
| Search and rescue in a remote area | Provided that | Yes |
| Damage to the hired sled | No | Provided that |
| Taking part in a sled dog race | No | Provided that |
| Driving a snowmobile yourself | 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 decide whether your policy pays after an incident along the way.
The standard exclusions — mountain sports off the beaten track, air sports, deep diving and speed contests: do not affect a husky tour. However, expeditions and tours in uninhabited areas may be excluded separately, as may travel to an area under a negative travel advisory. Sled dog races fall under the competition exclusion.
If you damage the sled or the harness, your personal liability insurance applies the care, custody and control exclusion for goods in your care. The operator sets that off against your deposit. If you ride a snowmobile yourself, that is a motor vehicle with its own insurance requirement (Article 2 of the Dutch Motor Insurance Liability Act (WAM)).
Insurers weigh these details differently. That is where your saving is.
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.
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Usually not. Most insurers place a guided tour in the normal risk class, and it falls under ordinary travel cover. It is different for sled dog races and for multi-day expeditions in uninhabited areas. These are often listed separately in the conditions.
Under Article 6:179 of the Dutch Civil Code the keeper of the animal is liable, usually the operator. Your own personal liability insurance does not come into play. Have the incident recorded on the spot and keep the medical documents for your claim.
That is usually not covered. Hired equipment falls under the care, custody and control exclusion of your personal liability insurance. The hirer sets the damage off against your deposit. Ask in advance about the excess in the hire agreement.
The distance to a hospital. Transport from a remote camp often requires a snowmobile or a helicopter. Always call the emergency assistance centre first, so that they can arrange transport and a guarantee of payment before you incur costs yourself.
Before you leave, have it confirmed in writing what has been arranged for recovery in remote areas and for the hired equipment.
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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