An air sport, not a fairground ride
- Alongside hang gliding and paragliding
- Even for a single flight of a few minutes
- Whatever the height above the ground
On a steel cable · air sports · signing a waiver
In fly by wire you hang in a harness from a steel cable and skim across a valley with a small motor. For insurers that is an air sport, and air sports are a standard exclusion.
Deze pagina in het Nederlands: Fly by wire en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Fly by wire is an adventure activity in which you hang face down in a harness from a tensioned steel cable and pick up speed above a valley with a small motor. It feels like a fairground ride, but policies treat it as air sports: you are not a passenger in an aircraft with an operating licence, but are flying a device yourself.
That category sits alongside mountain sports and speed competitions on the standard list of exclusions, and applies even if you do it only once. Personal accident cover also often expressly limits the aviation risk to flying as a passenger in a scheduled or charter aircraft. If you want cover, have the activity declared by name and confirmed in writing.
Three things determine your cover: whether it counts as an air sport, the declaration in advance and the provider's conditions.
Flying a device yourself falls outside the ordinary aviation risk.
Without confirmation by name the exclusion stands.
You will usually sign a declaration accepting the risk yourself.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after an accident during the flight | No | Yes |
| Payment for permanent disability | No | Provided that |
| Repatriation after injury | No | Yes |
| Flying as a passenger in a scheduled or charter aircraft | Yes | Yes |
| Taking part in a demonstration or competition | No | No |
| Flying against the provider's instructions | 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 contributes after an accident.
Travel and personal accident policies exclude three categories as standard: mountain sports off the beaten track, air sports and speed contests. Fly by wire falls under the second, along with hang gliding, paragliding and parachuting. The fact that the provider sells it as a fairground ride makes no difference: the policy looks at what you do. The exclusion applies even if you make only one flight.
Virtually every provider has you sign a declaration in which you accept the risk. If something goes wrong through the organisation's fault, such a declaration makes a claim under Article 6:162 of the Dutch Civil Codemore difficult. Legal expenses insurance can help you argue that point. Report an accident to your own insurer as soon as reasonably possible (Article 7:941 of the Dutch Civil Code) and keep all the paperwork.
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For your policy that distinction is not the deciding factor. You fly a device on a cable yourself, and that falls under air sports. Rides in a theme park in which you are only a passenger are usually assessed differently.
Usually not. In many conditions the aviation risk is limited to flying as a passenger in an aircraft with a valid licence. Flying yourself, even on a cable, falls outside that wording and therefore outside the payout for disability.
With some insurers, yes, through additional cover for special sports. Ask for written confirmation naming the activity, and check whether the personal accident section has been extended as well.
The operator may then be liable for a defective installation. The waiver you signed makes that harder, and foreign law determines the outcome. Legal expenses insurance covering personal injury abroad is useful here.
Have it confirmed before you travel whether air sports are included. We will find out who accepts it.
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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