Notify it and have it accepted
- State your activity by name
- Surcharge or separate module
- Even for a single half-day excursion
Underground · cold water · rescue at a distance
Cave rafting combines two activities that most policies exclude separately: cave exploration and travelling on moving water. It is therefore rarely covered by ordinary travel insurance.
Deze pagina in het Nederlands: Cave rafting 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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In cave rafting you float down an underground riverin a wetsuit on an inner tube or a raft. Entry is often by abseil or by jumping in, the water is cold and the trip lasts for hours. Insurers class this not as an excursion but as caving and white-water rafting; both appear on the usual list of excluded sports.
Cover can sometimes be arranged if you report before you leave the activity and the insurer accepts it, usually on condition that you go with a licensed operator. Without that declaration you bear the cost of an underground rescue yourself, and on trips of this kind that mounts up quickly because specialist rescue teams have to be deployed.
Three things determine your cover: the declaration beforehand, the organisation on site and the conditions on the day itself.
What you do not declare falls under the standard exclusion.
Acceptance almost always depends on supervision.
Rain above ground determines the risk below it.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after an accident in the cave | No | Yes |
| Search, rescue and recovery costs underground | No | Provided that |
| Treatment for hypothermia | No | Yes |
| A trip with a licensed operator and guide | Provided that | Yes |
| Entering a cave system under your own steam | No | No |
| Diving through flooded passages | 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.
Two points that determine whether your policy pays after an incident.
The standard list of excluded sports includes caving and cave exploration and white-water rafting as separate items; cave rafting touches on both. The fact that a tour operator offers the trip as an ordinary excursion makes no difference: the policy looks at the activity, not at the booking. Taking part just once also falls under the exclusion.
If things go wrong, recovery from a cave is an operation lasting hours with specialist teams. Call the emergency assistance centre first and have the guarantee of payment arranged. If you go ahead despite a high-water warning, the insurer may rely on Article 7:952 of the Dutch Civil Code: intent and recklessness are not covered. Report an accident as soon as reasonably possible (Article 7:941 of the Dutch Civil Code).
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.
Usually not. The activity falls under caving and under white-water rafting, two categories that are excluded on a standard policy. Before you travel, ask in writing whether your insurer will include it and on what conditions.
Often, yes. Insurers that accept this usually require you to go with a licensed operator and to wear the prescribed equipment. Entering a cave under your own steam remains excluded even then.
Travel insurance does not usually pay for cancelled excursions. That is a matter between you and the provider. Only if the whole trip does not go ahead can cancellation insurance come into play, and then only within the named events.
Damage to a wetsuit, helmet or tube you hire from the operator usually falls outside your personal liability insurance: hired items in your care are excluded. Look at the provider's deposit arrangement.
Have your cover confirmed before you travel. We will find out which insurer accepts this activity.
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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