Accident on the ice
- Treatment and transport on the spot
- Repatriation through the emergency assistance centre
- Watch out for competitive play
Ice hockey and your insurance
Ice hockey is neither a mountain sport nor an air sport, but it is a contact sport. Competitive play, dental damage and liability between players all need attention.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
Ice hockey does not fall under the classic hazardous sports exclusions. A recreational match or training session is simply covered by travel and personal accident insurance with most insurers. The risk is of a different kind: collisions with the boards, a puck or stick in the face and cuts from skates.
Note three limitations. Some personal accident policies exclude playing sport in a match or league setting, dental costs often fall outside travel cover, and paid or contract play counts as an occupation. Your stick and skates are also sports equipment, with their own limit under the baggage cover.
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What is covered in ice hockey?
Three elements determine where you stand: injury, teeth and liability.
Dental costs
Dental damage almost always has its own arrangement.
- Often separate or excluded
- Your health insurer usually comes first
- Keep the treatment invoice
Liability between players
In sporting situations the threshold is higher than in traffic.
- Assessed under Article 6:162 of the Dutch Civil Code
- Not every foul is unlawful
- Never admit liability yourself
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a collision during training | Yes | Yes |
| Injury during a league match | Provided that | Yes |
| Dental costs after a puck in the face | No | Provided that |
| Liability for injury to a fellow player | Provided that | Provided that |
| Damage to or theft of your equipment | Provided that | Yes |
| Playing as a paid or contract player | 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?
- Recreational or league play: the main question
- Amateur or paid: paid sport is an occupation
- Age of the player: children are often covered by the family policy
- Destination of the tournament. Europe or beyond
- Insuring the equipment as well: sticks and protective gear
- Sums insured: medical 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.
9.5New policy
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 injury on the ice.
The sport is not the exclusion; the setting is
Ice hockey does not appear in the list mountain sports off the beaten track, air sports, deep diving and speed contests. Many personal accident policies do, however, exclude playing sport in a league setting and paid sport. Dental costs are almost always listed separately or fall outside the cover.
A hard check is not automatically unlawful
If you hit an opponent, that is assessed under Article 6:162 of the Dutch Civil Code. In a sport and game situation the threshold is higher than outside it: participants accept a degree of risk. Where a foul goes well beyond the rules of the game, liability can arise. Report the incident and leave the assessment to your insurer.
Frequently asked questions
This is what people ask us most.
Do insurers treat ice hockey as a hazardous sport?
For travel cover usually not. It does not appear in the list with mountaineering, air sports and deep diving. Personal accident insurers do look at the setting in which you play. League and paid play are among the exclusions for part of the market.
Are dental costs covered?
Often not under travel insurance. Dental damage usually falls under your health insurance or under separate dental cover. Keep the treatment invoice and a statement showing that the injury arose from an accident.
Am I liable if I injure an opponent?
Only for conduct that is also unlawful within the sport. A collision within the run of play usually is not. A blow well outside the rules of the game is. Report it to your liability insurer and admit nothing at the scene.
Is my equipment insured while travelling?
As baggage often yes, with a limit per item for sports equipment. Damage while playing falls under the exclusion for equipment in use. Declare an expensive set of sticks or goalkeeper's kit separately to your insurer in advance.
Every situation is different. For these situations we have a separate page.
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- Husky sledding trips and your insuranceSled dogs, polar regions, hired equipment
- Tijgeren (belly crawling) and your insuranceObstacle run, mud, skin and eyes
- Skibobbing and your insuranceSeated, high speed, piste rules
Read more
Playing ice hockey abroad?
Have it confirmed in advance whether competitive play and dental costs are included.
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.