A snow park or your own jump
- An open, managed line
- No home-built jump
- Helmet and back protector
Acrobatics · jumps · competition setting
Aerial skiing and your insurance
Ski aerials means skiing with somersaults and rotations from a jump or kicker. Practised recreationally in a snow park it is sometimes included in winter sports cover; in a competition setting almost never.
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Deze pagina in het Nederlands: Ski figuurspringen 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
In ski aerials you take off from a purpose-built jump or kicker, with a somersault or rotation in the air. If you jump recreationally in an open snow park, several insurers still regard that as ordinary winter sport. If you train at a club or take part in a competitive setting, you run into the exclusion for competitive sport.
The injury pattern is specific: neck, back and knee injuries on a bad landing. That is precisely why accident policies often name acrobatics and stunt work separately in the exclusions, regardless of whether you stay on the piste. Have what you do confirmed in writing before departure.
What is covered with ski aerials?
Your cover depends on where you jump, the setting you jump in and your accident cover.
Recreational or competitive
Training and competition come under a different provision from free jumping.
- Declare club training
- Apply for competitions separately
- Paid sport excluded
Personal accident cover
Neck and back injuries touch the permanent disability section.
- Check the risk class
- A surcharge or a lower sum insured
- Reporting within the time limit
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Free jumping in an open snow park | Provided that | Yes |
| Training at a club or jump team | No | Provided that |
| Taking part in a competition | No | Provided that |
| Medical expenses after a landing error | Provided that | Yes |
| Permanent disability from a neck or back injury | No | Provided that |
| Paid or professional sport | 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 determine whether your policy pays out after a fall.
Competitions and acrobatics are among the fixed exclusions
Travel and accident policies generally exclude four categories: off-piste mountain sports, air sports, diving below a stated depth and taking part in speed and skill competitions. Aerials engage the latter as soon as you train or start in a competition setting; some policies also name jumps from a kicker separately.
Declare the sport in advance, and report an accident immediately
On taking out the policy, the duty of disclosure applies under Article 7:928 of the Dutch Civil Code; if you do not disclose that you jump, the insurer can, when you claim, rely on Article 7:930 of the Dutch Civil Code. Jumping without a helmet on a closed or cordoned-off line can also count as reckless (Article 7:952 of the Dutch Civil Code). Report an injury immediately (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Risk class of the sport — acrobatics sits high
- Recreational or in competition — training counts as competition
- Age and experience — beginner or advanced
- Destination — the Alps or further afield
- Length of stay — a single week or a training block
- Sums insured — especially for disability
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.
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.
Frequently asked questions
The questions we are asked most often about this.
Do aerials come under winter sports cover?
Recreational jumping in an open snow park is included by some insurers. As soon as you train or start in a competition setting, the exclusion for competitive sport applies. Ask for written confirmation in advance.
Does a home-built jump make a difference?
Yes. Jumping from an unmanaged, self-built kicker or from a closed line is judged as reckless more readily. Stay on the ski area's open park lines.
Is my accident insurance valid here?
Often not without a declaration. Accident policies use risk classes and name acrobatics and stunt work separately. Acceptance may come with a surcharge or with a lower sum insured for disability.
Am I liable if I hit someone in the park?
You may be, under Article 6:162 of the Dutch Civil Code. Liability insurance only pays if the sport is not excluded. Check that exclusion separately from your travel cover.
Read more
Similar pages
Are you going to do aerials?
Have it established before departure whether your jumps are included; we find out which insurer accepts this.
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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.