Injury and cold
- Treatment and transport on the spot
- Hypothermia and frostbite
- Repatriation through the emergency assistance centre
Husky sledding trips and your insurance
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.
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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
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.
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What is covered on a husky tour?
Three elements determine where you stand: yourself, the dogs and the equipment.
Bites and liability
The keeper of the animal is liable under Article 6:179 of the Dutch Civil Code.
- Usually the operator, not you
- Different if you drive the team yourself
- Have a report drawn up
Sled and equipment
Hired items are goods in your care.
- Care, custody and control exclusion on the AVP
- The deposit is your excess
- Ask about the hire terms
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.
What does your premium depend on?
- Risk class of the activity: a guided tour is normal
- Day tour or multi-day trip: remote overnight stays count
- Destination. Lapland, Alaska or Greenland
- Driving the team yourself or riding along: your own team demands more
- Sums insured: mainly recovery and repatriation
- Duration of the trip: short trip or long period
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 decide whether your policy pays after an incident along the way.
The sport is not the problem; the setting is
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.
Hired equipment is not automatically insured
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)).
Frequently asked questions
This is what people ask us most.
Is a husky tour a hazardous sport?
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.
Who is liable if a dog bites me?
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.
What if I damage the sled?
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.
What should I watch out for in Lapland?
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.
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Planning a husky tour?
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.
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.