Notify it and have it accepted
- Notify us before you leave
- Surcharge or separate module
- Also for a single climbing day
Ice climbing and your insurance
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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
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In brief
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.
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What is covered with ice climbing?
Three things determine your position: the declaration, the supervision and the equipment.
Guide, course or independent
Acceptance often depends on supervision and experience.
- A recognised mountain guide or school
- Top-roping sometimes judged more mildly
- Leading counts for more
Axes, screws and rope
Equipment has its own restrictions in the policy.
- Damage in use not covered
- Hired equipment in your care
- The deposit is your excess
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.
What does your premium depend on?
- Risk class of the sport: mountain sport is high up
- Top-roping or leading: leading counts for more
- Supervision and experience: a guide or your own roped team
- Purpose and amount: an ice park or high mountains
- Duration of the trip: a single day or a whole week
- Sums insured: rescue and 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.
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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 your policy pays after a climbing accident.
Mountain sport is a standard exclusion
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.
Borrowed and hired equipment falls outside your liability
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).
Frequently asked questions
This is what people ask us most.
Does the exclusion also apply to a guided course?
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.
How do I get ice climbing included?
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.
Does the climbing school's insurance cover me?
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.
What if I fall and have to be rescued?
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.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ice climbing and your insuranceFrozen waterfall, falling ice, recovery costs
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
- Glacier skiing and your insuranceCrevasses, off-piste, recovery costs
- Caving and your insuranceUnderground, rope technique, cave rescue
- Ski touring and your insuranceClimbing skins, avalanche risk, high mountains
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Insuring mountaineering and rock climbingHeight, ropes, experience
- Indoor climbing and your insuranceClimbing centre, belayed, usually simply covered
Read more
Going ice climbing?
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.
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.