Contact sport · competitive play · dental damage

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.

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9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: IJshockey en uw verzekering.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered in ice hockey?

Three elements determine where you stand: injury, teeth and liability.

Injury

Accident on the ice

Recreational play usually falls within ordinary cover.

Treatment and transport on the spot
Repatriation through the emergency assistance centre
Watch out for competitive play

Teeth

Dental costs

Dental damage almost always has its own arrangement.

Often separate or excluded
Your health insurer usually comes first
Keep the treatment invoice

The other party

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.

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.

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.

Request a quote

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.

View the reviews at NH1816 · all reviews on our site

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.

Within Reisverzekering

Service

Playing ice hockey abroad?

Have it confirmed in advance whether competitive play and dental costs are included.

Request a quote

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Ice hockey and your insurance

In brief

What is covered in ice hockey?

Accident on the ice

Dental costs

Liability between players

Where things go wrong in practice

The sport is not the exclusion; the setting is

A hard check is not automatically unlawful

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

Similar pages

Service

Playing ice hockey abroad?

About our service

Ice hockey and your insurance

In brief

What is covered in ice hockey?

Accident on the ice

Dental costs

Liability between players

Where things go wrong in practice

The sport is not the exclusion; the setting is

A hard check is not automatically unlawful

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

Similar pages

Service

Playing ice hockey abroad?

About our service

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