Winter sports module
- Separate cover with a loading
- Watch the period
- Needed even for a single week
One ski · on the piste · winter sports module
Monoskiing is skiing with both feet on one wide ski. On the piste the risk profile is comparable to ordinary skiing and it is usually included in winter sports cover.
Deze pagina in het Nederlands: Monoskiën en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In monoskiing you stand with both legs side by side in bindings on one ski. You use the same lifts and the same pistes as other skiers. Insurers look not at the equipment but at the place and the manner in which you ski: on a prepared and open piste that is ordinary winter sport.
With many travel policies, winter sports cover is a separate module with a loading. Without that module there is no cover for medical expenses and equipment even for ordinary skiing. So first check whether the module is on your policy and for which period.
The picture changes as soon as you leave the piste. Monoskiing in powder off the piste, in couloirs or in closed areas falls under the same exclusions as off-piste skiing and freeriding. Also speed contests are not included.
Three things determine your cover: the module, the place and the equipment.
Without that module, winter sports are not covered.
Injury and liability follow the ordinary rules.
Your own or hired equipment has its own restrictions.
What is covered
| Situation | Standard | With winter sports cover |
|---|---|---|
| Medical costs after a fall on the slopes | No | Yes |
| Liability after a collision with a skier | Provided that | Yes |
| Theft or breakage of your own monoski | No | Provided that |
| Monoskiing off the piste in unmanaged terrain | No | Provided that |
| Skiing in a closed area or during an avalanche warning | 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.
Two points that determine whether your policy pays after a fall.
The standard exclusions on travel and accident policies are mountain sports off the beaten track, air sports, diving below your certified depth and speed contests. Monoskiing on the piste touches none of them; monoskiing in uncontrolled terrain touches the first. One ski or two makes no difference to that assessment.
If you run into another skier, your liability is judged under Article 6:162 of the Dutch Civil Code, with the FIS rules of conduct as the yardstick. Your liability insurance pays, unless there is intent or deliberate recklessness (Article 7:952 of the Dutch Civil Code), for example skiing under the influence.
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.
On the piste, usually not. Insurers treat it as ordinary winter sport, provided you have winter sports cover. Off the piste it is regarded as a risk sport, just like off-piste skiing and freeriding.
Yes. With most travel policies, winter sports are a module with a loading. Without that module, medical expenses, equipment and rescue costs during winter sports are not covered, not even for ordinary piste skiing.
Usually not, as long as you stay on the piste. If you take it off-piste or take part in competitions, do declare that in advance and ask for written confirmation of the cover.
Often only to a limited extent. Winter sports equipment falls under the luggage section with its own maximum, and theft from a car or from a ski rack is regularly excluded or limited. Keep purchase and hire invoices.
Check before departure that your winter sports cover is in force; where needed we arrange an extension for off-piste.
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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