Guest ride or competition
- Consider a supervised tourist run separately
- Recording times makes it a competition
- Training counts as competition
Skeleton and your insurance
In skeleton you go head first down an ice channel on a sled. The speed and the impacts against the wall make it a sport that is assessed separately.
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In brief
Private individuals mostly take up skeleton as a guest run on a bob track, booked with the track operator and ridden under supervision. That is not the same as competitive sport, but the speed and the forces in the corners are the same, and insurers reflect that in the risk class.
The winter sports module will not help you here. It covers skiing and snowboarding on the piste; a run down an ice channel is separate from that. With many insurers, skeleton also comes close to the exclusion for speed contests, certainly once times are being recorded.
The operator will almost always have you sign a waiver declaration. That limits your ability to pursue the track under Article 6:162 of the Dutch Civil Code, but it arranges nothing about your own cover. So report the run to your insurer in advance.
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What is covered in skeleton?
Three things: the nature of the run, notifying your insurer in advance and personal accident cover.
Notify it and have it accepted
What you do not declare is not covered.
- Notify us before you leave
- Ask for written confirmation
- Even for a single run
Accidents and treatment
Impacts against the wall cause neck, shoulder and head injuries.
- Call the emergency assistance centre
- Check the scale of benefits
- Keep the report from the track
What is covered
| Situation | Winter sports as standard | With extension |
|---|---|---|
| Supervised guest run on a bob track | No | Provided that |
| Medical costs after injury on the track | No | Yes |
| Permanent disability after a crash | No | Provided that |
| A run with timing or a classification | No | No |
| Training for a competition | No | No |
| Practising it as a profession or for payment | No | No |
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?
- Risk class of the sport: high speed in an ice channel
- Guest ride or competition: timing changes the class
- Guidance: instruction by the track
- Destination. European tracks or beyond
- Duration of the trip: a single trip or annual cover
- Sums insured: mainly for permanent disability
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.
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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.
Where things go wrong in practice
Two points that decide whether your policy pays after a run down the ice channel.
As soon as the time counts, it is a speed competition
The standard exclusions on travel and accident policies are speed contests, mountain sports off the beaten track, air sports and diving below your certified depth. A supervised guest run sometimes still falls outside the first category. A run in which your time is recorded or a classification is drawn up does not.
A signed waiver is no substitute for cover
The track operator has you sign that you accept the risks. That works between you and the track and limits a claim under Article 6:162 of the Dutch Civil Code. Your own medical costs and a payment for disability depend solely on your policy. Report an accident straight away (Article 7:941 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Is a guest run in skeleton covered?
Not automatically. The winter sports module covers piste skiing, not a run down an ice channel. Some insurers include a supervised tourist run if it is reported in advance; ask for written confirmation before you book.
What if my time is recorded?
Then the run comes close to a speed competition and the exclusion applies with almost every insurer. That also goes for training runs that form part of a competition programme.
Does the waiver from the track help?
It mainly protects the operator. It limits your ability to hold the track liable, but it says nothing about your cover. Your policy conditions determine whether anything is paid.
Which injuries are most common here?
Injuries from impacts against the track wall: neck, shoulder and head. Check the personal accident cover in particular, and the scale of benefits for permanent disability, alongside cover for treatment and transport home.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Yetiballing and your insuranceAttraction, operator, neck injury
- Gaesterennen and your insuranceSki race, timing, competition exclusion
- Ski touring and your insuranceArtificial slope, site operator, liability
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Zip lining and your insuranceZip line, ropes course, fall height
- Skibobbing and your insuranceSeated, high speed, piste rules
Read more
Similar pages
Are you booking a skeleton run?
Have it confirmed before you leave what your policy does. We find out which insurer includes this run.
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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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.