Dunes · no snow · remote areas

Sand skiing and your insurance

Sandboarding on skis means sliding down a dune on skis or a board, usually in desert country. Winter sports cover is written for snow and does nothing here.

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Deze pagina in het Nederlands: Zandskiën 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

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

In brief

The first mistake is to think of the winter sports module. That covers snow sports. A dune in Namibia, Peru or on the Canary Islands does not come under it. Skiing on sand is assessed as an other adventurous activity and with some insurers it simply runs along with the travel and accident cover.

The risks lie in the surroundings: heat, no infrastructure and medical care hours away. Transport by quad bike or buggy to get back to the top is often part of it, and that is exactly where the cover breaks down: driving without a valid licence or off the public road is generally excluded.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered when skiing on sand?

Three parts of the excursion are assessed separately.

The descent

Skiing or boarding on sand

In itself rarely a named exclusion.

Recreational use usually included
Competitions separately
Hire equipment through the operator

The transport

Quad bike, buggy and 4x4

Motor vehicles have rules and exclusions of their own.

A valid driving licence required
Off-road driving often excluded
Liability through the WAM

The surroundings

Heat and distance

Help is far away and repatriation takes time.

Call in the emergency assistance centre
Travel advice from Buitenlandse Zaken (the Dutch ministry of foreign affairs)
Water and sun protection

What is covered

Situation	Standard	With extension
A recreational descent of a dune	Provided that	Yes
Medical expenses after a fall or collision	Yes	Yes
Driving a quad bike without a valid licence	No	No
A competition or a descent against the clock	No	Provided that
A trip to an area with a negative travel advisory	No	No
Damage to hire equipment	No	Provided that

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 go wrong more often on desert excursions than the descent itself.

It is not the skiing but the quad bike that costs you the cover

Also to mountain sports, air sports, deep diving and speed competitions policies contain an exclusion for driving a motor vehicle without a valid driving licence. In the Netherlands motor vehicles are also subject to the insurance obligation of Article 2 of the Dutch Motor Insurance Liability Act (WAM); abroad the hire company arranges that, often with a high excess.

Kitesurfing and your insurance

Travel advice and remote areas determine the rest

If you travel to an area subject to negative travel advice, the cover lapses on virtually every travel policy. Even without such advice, the further from habitation, the more heavily search, rescue and repatriation costs weigh. Check that those items are in your policy before you book the excursion.

What does your premium depend on?

Destination. Europe or desert country
Organised or on your own: an operator counts in your favour
Motor vehicles in the excursion: a quad bike or buggy raises the risk
Duration of the trip: a day excursion or a tour
Sums insured: repatriation and medical costs
Taking part in races: timed descents assessed separately

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.

Request a quote

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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 my winter sports cover apply to skiing on sand?

No. That module is written for snow sports and names skiing and snowboarding on the piste. Skiing on sand falls outside it and is assessed as another recreational or adventurous activity. Ask your insurer to confirm that.

Is the quad bike ride to the top included?

Only with a valid licence for that vehicle. Without a licence the cover lapses, including for your own injury. Liability for damage caused with a motor vehicle falls outside the AVP and runs through the vehicle's insurance.

What does travel insurance do for heat injury?

Treatment after dehydration or sunstroke falls under medical costs abroad. Call the emergency assistance centre for a guarantee of payment. In a remote area, transport to hospital can take a long time and become expensive.

Is hire equipment insured?

Usually not through your travel insurance. That covers your own luggage. The hire company will recover damage to hired skis or boards from you. Ask in advance what deposit and excess apply and whether hire cover is available.

Within Reisverzekering

Service

Are you booking a desert excursion?

Have it checked in advance that both the descent and the transport fall within your cover.

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 15 August 2026.

The information on this page is general in nature and is not personal advice.

Sand skiing and your insurance

In brief

What is covered when skiing on sand?

Skiing or boarding on sand

Quad bike, buggy and 4x4

Heat and distance

Where things go wrong in practice

It is not the skiing but the quad bike that costs you the cover

Travel advice and remote areas determine the rest

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

Similar pages

Service

Are you booking a desert excursion?

About our service

Sand skiing and your insurance

In brief

What is covered when skiing on sand?

Skiing or boarding on sand

Quad bike, buggy and 4x4

Heat and distance

Where things go wrong in practice

It is not the skiing but the quad bike that costs you the cover

Travel advice and remote areas determine the rest

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Are you booking a desert excursion?

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