Stage by stage
- Ask for the route description
- Report glacier sections separately
- Guide or your own group
Ski safaris and your insurance
A ski safari is a multi-day tour from valley to valley or hut to hut. The risk here is not the speed but the distance from help.
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Work out for yourself what it would cost.
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- 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
On a ski safari you ski on for days, with overnight stops along the way and baggage carried on ahead. If the route stays on prepared pistes, that is usually included on winter sports cover. If a stage crosses unprepared terrain or a glacier, the exclusion for mountaineering comes into view.
The heart of this page is not the fall but the distance from help. Search, rescue and mountain recovery costs in remote areas and any repatriation weigh more heavily here than on an ordinary week’s skiing. Note as well the maximum uninterrupted length of a trip that your annual travel insurance applies.
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What is covered on a ski safari?
Assess the tour stage by stage: terrain, guiding and the way back if you have to stop.
Rescue and repatriation
In remote valleys, mountain rescue is the largest cost item.
- Call the emergency assistance centre
- Guarantee of payment in advance
- Arrange transport home
Baggage and accommodation
Baggage carried on ahead follows its own section.
- Maximum per item
- Proof of carriage
- Hut costs if you have to stop
What is covered
| Situation | Standard | With extension |
|---|---|---|
| An organised tour over prepared pistes | Yes | Yes |
| An off-piste stage led by a guide | No | Provided that |
| Glacier trek with rope and crampons | No | Provided that |
| Search and rescue costs in a remote area | Provided that | Yes |
| Repatriation after an injury on the way | Provided that | Yes |
| A tour longer than the maximum trip duration on the policy | 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?
- Proportion of the route off-piste: this determines the risk class
- Remoteness of the area: rescue takes longer
- Length of the tour: watch the maximum trip duration
- Guidance: a guide or your own group
- Destination: the Alps, Scandinavia or further afield
- Sums insured: above all for rescue and transport
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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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 make the difference on a multi-day tour.
A single stage off the piste changes the assessment
The standard exclusions remain in place on a safari as well: off-piste mountain sports, air sports, diving below a stated depth and speed contests. A glacier crossing or a descent through unpatrolled terrain falls into the first category, even if the rest of the tour stays on piste.
Trip duration and the emergency assistance centre determine the outcome
Annual travel policies have a maximum uninterrupted length of a trip; a long safari can exceed it. If something goes wrong, call the emergency assistance centre before you incur costs, and report the incident within the period set by Article 7:941 of the Dutch Civil Code. Keep the mountain rescue report and all invoices.
Frequently asked questions
This is what people ask us most.
Is a ski safari ordinary winter sport?
As long as the route runs over open pistes, usually yes. If the tour includes off-piste stages, glacier sections or hut stays at high altitude, notification in advance is needed and the ordinary winter sports module is not enough.
Are rescue and recovery costs insured?
Only if your policy has that section and the activity is not excluded. In remote valleys, rescue is by helicopter. Always call the emergency assistance centre first for a guarantee of payment.
What if I have to drop out halfway?
Interruption costs and transport back are not automatically covered by travel cover. Some policies pay for travel days not taken; check that section and keep proof of the booking.
Is my baggage carried on ahead covered?
Generally yes, under baggage cover, with a maximum per item and an excess. Carriage by third parties calls for a consignment note or receipt as evidence for a claim.
Every situation is different. For these situations we have a separate page.
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- Skibobbing and your insuranceSeated, high speed, piste rules
Read more
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Are you going on a ski safari?
Have the route and the rescue cover assessed before you leave. We find out which policy fits.
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.