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- Also for a single climbing day
Mountain sport · axes and screws · exclusion
Ice climbing falls under mountain sports and is usually excluded on ordinary travel and accident cover, even if you start with a guide in an ice climbing park.
Deze pagina in het Nederlands: IJsklimmen en uw verzekering.
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In ice climbing you go up frozen ice with ice axes and crampons , on a rope and protected with ice screws. Insurers place that under mountain sports, together with rock climbing and alpinism. That means that on travel, accident and liability cover it usually appears in the exclusions states.
That exclusion is wider than people expect. A guided introduction day, a top-rope session in an ice climbing park and a course led by a mountain guide are normally caught by it as well. What counts is the technique, not the difficulty of the route. Declare the sport before you leave if you want cover.
Three things determine your position: the declaration, the supervision and the equipment.
What you do not declare is not covered.
Acceptance often depends on supervision and experience.
Equipment has its own restrictions in the policy.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| A guided introduction day in an ice climbing park | No | Yes |
| Top-rope climbing led by a mountain guide | No | Yes |
| Leading with your own ice screws | No | Provided that |
| Medical expenses after a fall on the rope | No | Yes |
| Damage to hired axes and crampons | No | Provided that |
| Climbing during a declared avalanche risk | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Two points that determine whether your policy pays after a climbing accident.
On most travel and accident policies, four kinds of sport appear in the exclusions: mountain sports off the beaten track, air sports, deep diving and speed contests. Climbing with rope, axes and crampons falls under the first category. A course or a guide makes the sport safer, but does not automatically lift the policy exclusion.
If you damage the climbing school's axes, rope or crampons, the care, custody and control exclusion on the liability insurance applies: damage to items in your care is not covered. The hirer sets it off against the deposit. Report damage and injury immediately (Article 7:941 of the Dutch Civil Code).
Insurers weigh these details differently. That is why comparing pays off.
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.
The questions we are asked most often about this.
Usually yes. The policy looks at the technique, not at the grade of the route. Climbing on a rope with axes and crampons is mountain sport, including on an introduction day in an ice climbing park with a recognised guide alongside.
By declaring it before departure and asking for additional cover for mountain sports. Insurers that accept this often set requirements about supervision and equipment. Have the acceptance confirmed in writing before you go.
As a rule it covers only the school's own liability, and only where mistakes can be shown. Your own injury, the recovery costs and repatriation are not included. Arrange your own cover separately.
Call your insurer's emergency assistance centre first, so that they arrange the guarantee of payment. If the sport is excluded, the costs of rescue, treatment and transport are entirely at your own expense.
Have it recorded before departure whether mountain sports are included; we find out which insurer accepts that.
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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