Arrange winter sports cover
- A separate module or winter sports days
- Also for a single week
- Health insurance remains the basis
Mogul skiing and your insurance
Mogul skiing takes place on a marked mogul piste and is therefore included in ordinary winter sports cover with most insurers. The jumps and competition involvement are the sensitive point.
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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
Mogul skiing is skiing down a mogul piste: short turns, plenty of impact and heavy loading on the knees and back. The terrain is marked and managed, and that is precisely what sets it apart from off-piste disciplines. Recreational mogul skiing therefore usually falls within the winter sports cover on a travel insurance.
The exceptions are in the detail. If you jump the kickers built into many mogul pistes, the sport moves into the category of freestyle, which many policies exclude separately. The same applies to competitions and the training for them and to mogul fields off the marked piste. Ask in writing before departure what is included.
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What is covered with mogul skiing?
Three things determine your cover: the winter sports module, the type of terrain and whether you jump or race.
Marked terrain
Within the piste you are insured, outside it usually not.
- An open, marked mogul piste
- Jumps over kickers assessed separately
- Off the piste counts as freeriding
Knee, back and transport
Call the emergency assistance centre before you incur any costs.
- A guarantee of payment for the clinic and surgery
- Adapted transport home
- Keep invoices and the medical report
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses after a knee injury on the piste | Yes | Yes |
| Recreational skiing on an open mogul piste | Yes | Yes |
| Jumps over kickers in the mogul piste | Provided that | Yes |
| A mogul field off the marked piste | No | Provided that |
| Competitions and training for them | No | Provided that |
| Rehabilitation treatment without valid health insurance | No | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What does your premium depend on?
- Risk class of the discipline: with or without jumps
- Recreational or in competition: competitions call for a tailored solution
- Destination: the Alps or outside Europe
- Duration of the trip: a single week or the whole season
- Sums insured: above all for injury and repatriation
- Age and household composition: alone or with the whole family
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 injury.
Travel insurance pays as a supplement, not instead
Medical expenses abroad run first through your basic health insurance; the travel insurance tops up what comes on top of that, such as the difference in rate, recovery costs and repatriation. Without valid health insurance, little is left. A knee injury on a mogul piste often leads to surgery and adapted transport home: have the emergency assistance centre in advance arrange that.
Jumping and racing are different risk categories
As soon as you use the kickers in the mogul piste, the policy speaks of freestyle or acrobatic skiing, and that is excluded by many insurers. Taking part in races, the training for them and practice for payment are also standard exclusions. Even where the cover remains in place, Article 7:952 of the Dutch Civil Codestill applies: with reckless conduct, such as skiing on a closed piste, the claim falls away.
Frequently asked questions
This is what people ask us most.
Is mogul skiing a risk sport for insurers?
Usually not. It takes place on a marked piste and therefore counts as ordinary winter sport. Only with jumps, competitions or mogul fields off the piste does the sport move into a higher risk category and an extension is needed.
Does the winter sports module cover my knee operation?
The travel insurance pays medical expenses as a supplement to your basic health insurance. Without that basis there is in practice no cover. Follow-up treatment in the Netherlands runs through your health insurance, not through the travel policy.
What if the piste is closed because of avalanche risk?
Then you do not ski there. If you do it anyway, the insurer relies on recklessness under Article 7:952 of the Dutch Civil Code and on the exclusion for terrain off the open piste. Rescue and recovery costs are then at your expense.
Are my skis included?
Theft and transport damage are often covered by the luggage section, with a limit per item. Breakage while actually skiing is usually excluded. For hired skis the hirer's arrangement applies; check the deposit and the excess under it.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Freestyle skiing and your insuranceSnow park, jumps and rails, acrobatic skiing
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
- Travel insurance with winter sportsA separate module, off-piste, equipment
- Glacier skiing and your insuranceCrevasses, off-piste, recovery costs
Read more
Heading for the mogul piste?
Have it recorded before departure what is included. We find out which insurer accepts jumps and competitions.
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.