The skiing element
- The winter sports module covers the piste
- The avalanche and fall risk remains
- Closed terrain always excluded
Skis and canopy · two exclusions · mountain rescue
Para-skiing and your insurance
In paraskiing you descend on skis while hanging beneath a small canopy. That touches the mountain sports exclusion and the air sports exclusion at the same time.
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Deze pagina in het Nederlands: Paraskiën en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Paraskiing, also known as speed riding, combines two things that insurers already exclude separately. You ski in unpatrolled terrain off the piste and you fly with a canopy over rock faces and steep slopes. As a result the sport is hardly ever part of standard cover.
That makes the assessment after an accident straightforward and unfavourable. Even if an insurer were to accept off-piste skiing, the flying element remains air sports, and the other way round. So you do not need one extension but two, and that combination is rarely offered.
What can be arranged varies greatly by insurer and often by application. Declare before you leave exactly what you intend to do, use the Dutch description and have the answer confirmed in writing . A course at a recognised school helps with the assessment.
What is covered with paraskiing?
Two exclusions and an expensive rescue operation set the picture.
The flying element
The canopy makes it an air sport.
- A separate exclusion in the policy
- An AVP often excludes aircraft
- A licence or course required
Recovery in steep terrain
A rescue on a steep slope often calls for a helicopter.
- Costs of mitigating the loss are a separate section
- Call the emergency assistance centre first
- Keep the report and the invoices
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a crash on the slope | No | Provided that |
| Search, rescue and recovery costs | No | Provided that |
| Permanent disability after a fall from height | No | Provided that |
| Liability for damage to third parties | No | Provided that |
| Flying above or into a closed ski area | No | No |
| Competitions and the training for them | No | No |
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 come up almost every time with this combined sport.
Two exclusions at once, two extensions needed
The standard exclusions are mountain sports off the beaten track, air sports, diving below your certified depth and speed contests. Paraskiing falls under the first two of these. A winter sports extension alone is therefore not enough, and an air sports clause alone is not either.
Flying above a ski area also creates liability
If you hit a skier, a lift cable or a building, your liability is assessed under Article 6:162 of the Dutch Civil Code. Your AVP, however, often excludes damage caused with an aircraft. If you fly despite a ban by the ski area, Article 7:952 of the Dutch Civil Code comes on top of that: deliberate recklessness is not covered.
What does your premium depend on?
- Risk class of the sport — a combination of two high classes
- Training and licence — a course at a recognised school
- Guidance — with an instructor or alone
- Destination — the Alps or further afield
- Sums insured — above all for rescue costs and disability
- Recreational or in competition — competitions are ruled out
Insurers weigh these details differently. That is why comparing pays off.
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.
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Frequently asked questions
The questions we are asked most often about this.
Does paraskiing come under winter sports cover?
No. That module is meant for skiing and snowboarding on open pistes. Paraskiing takes place off the piste and with a canopy; both elements fall under an exclusion in most policies.
Is no cover at all possible, then?
Sometimes it is, but it is tailor-made and assessed case by case. State exactly what you intend to do, where and with what training, and have the insurer's answer confirmed in writing.
Who pays for the mountain rescue?
Only your insurer, if rescue costs appear in the policy and the sport has been accepted. Otherwise the deployment of rescuers and a helicopter is entirely at your own expense; in steep terrain that is the largest item.
What if I hit a skier?
You may then be liable under Article 6:162 of the Dutch Civil Code. Your liability insurance often excludes damage caused with an aircraft, so you would have to bear that claim yourself. Ask about club cover.
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Are you going paraskiing?
Have it established before departure what is genuinely covered; we put your situation to the insurers that assess this sport.
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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.
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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.