Winter sports module
- Separate cover with a loading
- Watch the period
- Needed even for a single week
Monoskiing and your insurance
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.
- 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
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.
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What is covered with monoskiing?
Three things determine your cover: the module, the place and the equipment.
Accident and collision
Injury and liability follow the ordinary rules.
- Medical expenses through the travel policy
- Liability through your AVP
- The FIS rules of conduct count
The monoski itself
Your own or hired equipment has its own restrictions.
- Theft from a car often limited
- Hired equipment through the hirer
- Keep purchase and hire invoices
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.
What does your premium depend on?
- Winter sports module: a separate loading on the travel policy
- Piste only or off-piste as well: off the piste is a different category
- Destination: the Alps or outside Europe
- Duration of the trip: a single week or continuous cover
- Sums insured: especially for disability
- 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 a fall.
It is not the equipment that counts, but where you ski
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.
Liability after a collision on the piste
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.
Frequently asked questions
This is what people ask us most.
Is monoskiing a risk sport?
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.
Do I need separate winter sports cover?
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.
Do I have to declare monoskiing separately?
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.
Is my monoski itself insured?
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.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- 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
- Heliskiing and your insuranceOff-piste, avalanche risk, recovery costs
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Glacier skiing and your insuranceCrevasses, off-piste, recovery costs
- Ice sailing and your insuranceNatural ice, high speeds, liability
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
Read more
Going monoskiing?
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.
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.