Medical expenses and accidents
- Report in advance and have it confirmed
- Watch the exclusion for speed competitions
- Hypothermia after going through the ice counts
Ice sailing and your insurance
Ice sailing is water sport on ice: a sailing craft on runners that goes far faster than a skater. Insurers therefore rarely treat it as ordinary winter sport.
- 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
On smooth ice an ice yacht reaches speeds that are not possible with an ordinary sailing boat. That also makes the two typical losses different: a collision or a fall at high speed, and the natural ice giving way. The winter sports module of a travel insurance is written for the piste and usually does not mention ice sailing.
What to look out for: whether it falls under the winter sports cover, under a water sports clause, or under neither. Declare the sport before departure and ask for written confirmation. For the craft itself a travel insurance offers no cover. That is equipment, not luggage.
Liability is the second track. If you run into another sailor or a skater, that is judged under Article 6:162 of the Dutch Civil Code. Many liability policies have an exception for vessels; whether an ice yacht falls under it depends on the definition in your conditions.
Independent, personal, sorted quickly
We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
Travel insurancePhoto coming soon
ComparePhoto coming soon
Get coveredPhoto coming soon
What is covered with ice sailing?
Three tracks determine your position: injury, liability and the craft itself.
Damage to others
A collision on the ice runs through your AVP, provided it does not exclude vessels.
- Assessment under Article 6:162 of the Dutch Civil Code
- Watch the vessels clause
- Skaters have no protection
The ice yacht itself
Damage to or theft of the craft is not travel luggage.
- Separate cover or an excess
- Arrange transport on a trailer separately
- Keep purchase invoices
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses after a fall or a collision | Provided that | Yes |
| Liability for damage to another ice yacht | Provided that | Yes |
| Search and rescue costs after going through the ice | No | Provided that |
| Damage to or theft of the ice yacht itself | No | No |
| Sailing on ice that has not been released or checked | No | No |
| Taking part in a speed competition | 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: ice sailing is above skating
- Recreational or in competition: competitions are almost always excluded
- Destination: the Netherlands, Scandinavia or Baltic lakes
- Length of the cover: a single weekend or all year round
- Sums insured: above all for disability and rescue
- Excess: lowers or raises the premium
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 determine whether your policy pays after an accident on the ice.
Competitions and unchecked ice are the fixed exclusions
Travel and accident policies exclude as standard speed competitions and training for them, alongside mountain sports, air sports and diving below the certified depth. With ice sailing, going onto ice that has not been released is added: if you go onto the ice despite a warning, that is your own choice and the insurer will use it against you in assessing the claim.
Declare the sport, even if you only practise it for one weekend
When the insurance is taken out, Article 7:928 of the Dutch Civil Codeapplies: you state what the insurer can reasonably want to know. If you conceal a risk sport, the insurer can rely on Article 7:930 of the Dutch Civil Code when you claim and pay less or nothing. Report an accident immediately as well (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Does ice sailing fall under winter sports cover?
Usually not automatically. That module is written for skiing and snowboarding on the piste. Ice sailing is more likely to be treated as water sport or as a separate risk sport. Ask your insurer for written confirmation before departure.
Is the ice yacht itself insured?
Not on a travel insurance. That covers luggage, not a sports craft. For damage to or theft of the craft you need separate cover; transport on a trailer falls under different conditions again.
Who pays if I run into someone on the ice?
In principle your liability insurance, under Article 6:162 of the Dutch Civil Code. Do watch the vessels clause in your conditions: if it excludes vessels, the insurer can refuse the claim and you are left carrying it.
And if the ice gives way?
Search and rescue costs are by no means always included, certainly not on ice that has not been released. Call the emergency assistance centre before you incur costs and keep the emergency service's report.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ski jumping and your insuranceThe ski jump, a competitive sport, outside piste cover
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Paragliding and your insuranceAir sport, canopy flying, liability
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
Read more
Going ice sailing?
Have it recorded before the season what cover you have. We find out which insurer accepts this sport.
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.