Skiing or boarding on sand
- Recreational use usually included
- Competitions separately
- Hire equipment through the operator
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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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
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.
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What is covered when skiing on sand?
Three parts of the excursion are assessed separately.
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
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.
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.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
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.
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.
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.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Ski touring and your insuranceClimbing skins, avalanche risk, high mountains
- Travel insurance with winter sportsA separate module, off-piste, equipment
- Ice sailing and your insuranceNatural ice, high speeds, liability
Read more
Are you booking a desert excursion?
Have it checked in advance that both the descent and the transport fall within your cover.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.