Certification and declaration
- Show your ice diving speciality
- Declare it before departure
- Ask for written confirmation
Under the ice · certification · no free ascent
In ice diving you dive under a closed ice sheet. That is an overhead dive with no free ascent and is excluded on virtually every ordinary travel policy.
Deze pagina in het Nederlands: IJsduiken en uw verzekering.
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Insurers normally assess diving on two things: your certification and the depth. With ice diving a third is added. You dive under a closed ice sheet and cannot go straight to the surface. You have to return to the hole. In policy terms that makes it an overhead dive, comparable to cave and wreck diving.
On ordinary travel and accident cover this normally appears in the exclusions, together with diving below the depth limit in the conditions, diving without valid certification and decompression diving. Cover is sometimes possible after a declaration in advance, usually subject to the condition of an ice diving qualification, a safety line and a surface team.
Three things determine your cover: the certification, the safety line and the declaration in advance.
Without suitable certification the diving cover usually falls away entirely.
Acceptance depends on the safety set-up at the hole.
Treatment after a diving accident calls for a decompression chamber.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Diving under a closed ice sheet | No | Provided that |
| Medical expenses after a diving accident | No | Yes |
| Treatment in a decompression chamber | No | Yes |
| Diving without suitable certification | No | No |
| Diving below the depth limit in the conditions | No | Provided that |
| Damage to or loss of your own diving equipment | Provided that | 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 determine whether your policy pays after a diving accident.
The list of exclusions in a travel or accident policy almost always names the same four categories: mountain sports off the beaten track, air sports, deep diving and speed contests. Diving under ice almost always falls under them, even if you stay shallow: the absence of a free ascent counts for more than the metres.
If you dive beyond the limits of your certification, the cover usually falls away entirely. If you give an incorrect picture of your diving practice when taking out the policy, you also engage the duty of disclosure under Article 7:928 of the Dutch Civil Code and the insurer can limit or refuse the payment under Article 7:930 of the Dutch Civil Code.
Insurers weigh these details differently. That is where your saving is.
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Because you cannot go straight to the surface. Above you is a closed ice sheet, so you always have to return to the hole. Insurers treat that as overhead diving, like cave and wreck diving, whatever the depth.
With the insurers that accept this, virtually always, usually together with a safety line and a team at the surface. Diving beyond the limits of your certification is a separate exclusion that causes the whole diving cover to fall away.
Only if the dive itself is covered. If ice diving is excluded, the treatment, the transport to the chamber and any repatriation fall outside the cover too. Always call the emergency assistance centre first for the guarantee of payment.
As luggage often only to a limited extent, with a maximum per item. Damage while diving falls under the exclusion for sports equipment in use. Hired cylinders and regulators fall under the care, custody and control exclusion on the liability insurance.
Have it recorded in writing before departure whether ice diving is included and on what conditions.
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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