Collective cover
- Only during an organised activity
- Limited amounts
- Ask for the conditions
Ski jumping and your insurance
Ski jumping almost always takes place in a club or competition setting on a purpose-built jump. The winter sports module of a travel policy does not extend to it.
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Work out for yourself what it would cost.
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- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The winter sports module covers skiing and snowboarding on open pistes. A ski jump is not a piste: you launch from an in-run, travel tens of metres through the air and land on a steep prepared slope. Insurers treat that as a separate sport and not as part of your winter sports week.
Two features make the assessment strict. The sport is practised almost exclusively in a club and competition setting, and taking part in competitions and the training for them is a fixed exclusion on travel and accident policies. The injuries are severe as well: a fall on landing affects the knee, the back or the head.
If you jump at a club, first look at what the collective cover of the federation or club provides and up to what amount. It is often limited to accidents during organised activities and does not top up your own policy for repatriation, for example.
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What is covered with ski jumping?
Three strands: the club, your own accident cover and the travel policy.
Disability
Permanent injury is the main risk in this sport.
- Mind the competition exclusion
- Check the scale of benefits
- Disclosure when taking out the policy
Training abroad
Treatment and transport home run through the travel policy.
- The winter sports module does not cover this
- Declare and confirm in advance
- Call the emergency assistance centre in the event of injury
What is covered
| Situation | Winter sports as standard | With extension |
|---|---|---|
| Skiing and snowboarding on the piste | Yes | Yes |
| Jumping on a purpose-built ski jump | No | Provided that |
| Training at a club or ski school | No | Provided that |
| Taking part in a jumping competition | No | No |
| Permanent disability after a fall on landing | No | Provided that |
| 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: ski jumping sits high
- Recreational or in competition: competitions are almost always excluded
- Age and experience: youth training is assessed differently
- Destination: training in the Netherlands or abroad
- Sums insured: mainly for permanent disability
- Occupation or income: relevant for an AOV
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 determine whether anything is paid after a fall on the jump.
Competitions and training are excluded together
In addition to mountain sports off the beaten track, air sports and diving below your certified depth take out policies competitions and the training for them. With ski jumping, virtually the whole practice of the sport therefore falls under an exclusion, because there is hardly any recreational version.
Declare the sport when you take out life cover or an AOV
For a disability or life insurance policy, ski jumping counts as a risk sport. Article 7:928 of the Dutch Civil Code obliges you to declare it if you are asked. If you do not, the insurer can, when you claim, rely on Article 7:930 of the Dutch Civil Code and pay out less or nothing.
Frequently asked questions
This is what people ask us most.
Does ski jumping come under winter sports cover?
No. That module is written for skiing and snowboarding on the piste. Jumping from a ski jump is a separate sport that has to be declared and assessed separately, even during an ordinary winter sports week.
Am I insured through my club?
Often limited. Federations and clubs generally have collective accident cover that applies only during organised training and competitions, with its own maximum amounts. Ask for the conditions before you rely on it.
Are competitions ever included?
Rarely on a private travel or accident policy. Taking part in competitions and the training for them is a fixed exclusion. What remains is separate sports cover through the federation or an individual assessment.
What happens in the case of permanent injury?
Then the accident cover is decisive. Check whether the sport has been accepted and what scale of payment applies to knee, back or head injuries. Without acceptance in advance no payment follows.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ski jumping and your insuranceThe hill, a competitive sport, excluded
- Ice sailing and your insuranceNatural ice, high speeds, liability
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
- Freestyle skiing and your insuranceSnow park, jumps and rails, acrobatic skiing
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
Read more
Do you jump off the ramp?
Have it established in advance what your policy does. We find out which insurer will assess this sport.
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.