An accident in the centre
- Health insurance for the treatment
- Accident cover for permanent injury
- Abroad, through the travel policy
Climbing centre · belayed · usually simply covered
Climbing in a climbing centre is supervised, belayed and indoors. It therefore falls under ordinary cover far more often than mountain sports outdoors.
Deze pagina in het Nederlands: Indoor wandbeklimmen en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
For most insurers, indoor wall climbing is not a risk sport. You climb on an artificial wall, on a rope, with a belayer and under the centre's supervision. Injury then runs through ordinary accident or health cover, and damage to others through your liability insurance.
The distinction from mountaineering and rock climbing outdoors is sharp. As soon as you make the same movement on real rock, in a crag or on a via ferrata, you enter the category of mountain sports which many policies exclude. The climbing centre itself stays outside it.
Do watch three restrictions that apply indoors as well: climbing competitions, climbing without protection and damage to hired equipment. The last of these often falls under the care, custody and control exclusion on the liability insurance and is then not covered.
Three tracks: your own injury, damage to others and the centre's equipment.
A fall or a sprain is usually covered by ordinary cover.
If you drop someone, you are held liable personally.
Hired equipment is usually not covered by your AVP.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Injury while climbing belayed in a climbing centre | Yes | Yes |
| Bouldering indoors above crash mats | Yes | Yes |
| Liability for injury to a fellow climber | Provided that | Yes |
| Damage to the centre's hired climbing equipment | No | Provided that |
| Climbing on real rock or a via ferrata outdoors | No | Yes |
| A climbing competition or the training for it | Provided that | Yes |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Two points that make the difference between climbing indoors and mountain sports.
Many travel and accident policies exclude mountain sports, air sports, diving below your certified depth and speed contests. Indoor climbing usually falls outside that, but a climbing trip to crags in France or Spain does fall under it. If you book such a trip, declare it separately and have it confirmed in writing.
Virtually every climbing centre has you sign that you climb at your own risk. Such a declaration governs your relationship with the centre, not with your insurer. Conversely, Article 7:952 of the Dutch Civil Code still applies: deliberate recklessness, such as climbing without protection or skipping the partner check, is not covered.
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
With most insurers, no. You climb indoors, belayed and under supervision. The exclusion for mountain sports is aimed at climbing in the mountains and on rock, not at an artificial wall in a climbing centre.
For the climbing centre, usually not. If you go climbing outdoors, take part in competitions or go on a climbing trip, do declare that in advance; those are the situations in which the exclusions really come into play.
You may be, under Article 6:162 of the Dutch Civil Code. In sport and game situations a higher threshold applies, but with a belaying mistake it is often met. Report the incident to the centre and to your liability insurer.
Usually not. The care, custody and control exclusion excludes damage to items in your care, such as borrowed ropes or a hired harness. Your own equipment is covered at home by home contents insurance and, when travelling, often by the luggage section.
Have it recorded in advance where your cover stops. We find out which policy does include rock climbing.
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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