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Air sport · parachute · excluded

Skysurfing and your insurance

Skysurfing is parachuting with a board on your feet. For insurers it is pure air sport, and that appears in the exclusions on almost every policy.

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Deze pagina in het Nederlands: Skysurfing en uw verzekering.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

  • We compare the offerings of several insurers
  • An adviser checks whether the cover suits your situation
  • We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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In brief

In skysurfing you jump from an aircraft with a board on your feet and steer during free fall as if on a surfboard. It is a discipline within parachuting, with a higher risk of an uncontrollable spin than an ordinary jump. Insurers draw no distinction: anything called air sport falls outside cover.

On travel, personal accident and often on life insurance policies too, air sports appears among the standard exclusions, usually in wording that leaves only travelling as a passenger on a scheduled flight. In reality, cover runs through the parachute centre or the parachuting federation, with limited sums insured and only during organised activities.

What is covered in skysurfing?

Distinguish three policies: travel, personal accident and life: they respond differently.

Travel

Travel insurance

The trip is covered, the jump is not.

  • Air sport excluded
  • Travel and baggage as normal
  • Emergency assistance centre in the event of injury
Accidents

Personal accident cover

Acceptance is possible, but rarely without restriction.

  • A surcharge or a lower sum insured
  • Report your licence and the centre
  • Competitions separately
Dependants

Life insurance policy

Here too the sport counts on underwriting.

  • Ask about high-risk sports
  • Withholding information is risky
  • Reassessment possible

What is covered

SituationStandardWith extension
A jump with a board at a recognised parachute centreNoProvided that
Training or working towards a licenceNoProvided that
Taking part in a demonstration or competitionNoNo
Medical expenses after a landing errorNoProvided that
Permanent disability after a hard landingNoProvided that
Flying to the drop zone as a passengerYesYes

What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.

Where things go wrong in practice

Two points that weigh more heavily in air sports than in winter sports.

Air sport is the widest exclusion there is

In addition to off-piste mountain sports, diving below a stated depth and speed contests take out policies air sports in wide terms: parachuting, hang-gliding, paragliding and anything resembling them. Skysurfing falls under this without argument, even for a one-off supervised jump.

Parachuting and skydiving

The exclusion affects your life insurance too

When taking out life or disability insurance you are asked about high-risk sports. If you answer incompletely, you breach the duty of disclosure under Article 7:928 of the Dutch Civil Code and payment can be reduced or refused (Article 7:930 of the Dutch Civil Code). Jumping outside the centre’s rules may also fall under Article 7:952 of the Dutch Civil Code fall.

What does your premium depend on?

  • Risk class of the sport: air sport comes top
  • Number of jumps per year: occasional or frequent
  • Licence and experience: beginner or advanced
  • Competitions and demonstrations: almost always excluded
  • Type of policy: travel, personal accident or life
  • Sums insured: especially for disability

Insurers weigh these details differently. That is where your saving is.

How we arrange it

  1. You request a quoteWe take stock of your situation, risk and wishes.
  2. We compareseveral insurers, on premium as well as conditions.
  3. You receive a proposalWith an explanation of the differences and the exclusions.
  4. We arrange the switchIncluding cancellation, so there is no gap in cover.

Request a quote

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does skysurfing fall under my travel insurance?

No. Air sport is excluded on almost every travel policy, even for a one-off jump. Travel, accommodation and baggage do remain covered. Only the consequences of the jump do not.

Can I insure it anywhere?

Sometimes on a personal accident policy, with an additional premium or a lower sum insured for disability. The parachute centre or the parachuting federation also usually has collective cover during jumping activities.

Do I have to report this to my life insurer?

Yes. The health declaration asks about high-risk sports. Withholding this can cost your dependants their payment under Article 7:930 of the Dutch Civil Code. Reporting it usually leads to an additional premium, not a refusal.

Am I insured during the flight to the drop zone?

As a passenger you are covered as normal up to the moment you jump. Some policies limit that to aircraft with a valid certificate of airworthiness; check that wording in advance.

Are you going skysurfing?

Before your first jump, have it established what the centre, the federation and your own policies cover between them.

Request a quote

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 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.