Jumps with the kite
- Report in advance
- A kite of the right size
- No jumps above hard ice
Ski sailing and your insurance
In ski sailing you are pulled along on skis by a sail or kite. As soon as you leave the ground, the air sports exclusion comes into play.
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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
Ski sailing, also known as snowkiting, is skiing with a sail or steerable kite for propulsion, across snowfields and frozen water. Insurers treat it as related to kitesurfing: on ordinary travel cover it often appears in the exclusions, and on the winter sports module it is almost never included as standard.
Two things make the risk unusual. You reach high speeds over a surface that has not been prepared, and a gust can lift you off the ground. That last point brings the sport under the category of air sportswith many policies. Riding over frozen water is a separate case as well: damage from going through the ice is rarely paid.
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What is covered with ski sailing?
The assessment turns on leaving the ground, the surface and the equipment.
Snow or frozen water
Ice is not a recognised sports venue and weighs more heavily.
- Have the ice thickness checked
- Never alone on the ice
- A buoyancy aid or life jacket
Kite, lines and skis
Damage to your own or hired equipment is a separate section.
- Arrange hire equipment separately
- Damage to lines usually excluded
- Wear is never covered
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Being pulled across a snowfield, without jumping | Provided that | Yes |
| Jumps in which you leave the ground | No | Provided that |
| Ski sailing over frozen water | No | Provided that |
| Taking part in a speed or distance competition | No | No |
| Injury to a third party from your lines or kite | Provided that | Yes |
| Damage to the hired kite or skis | 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?
- Risk class of the sport: treated the same as kitesurfing
- Jumps or no jumps: leaving the ground weighs heavily
- Area and surface: a snowfield or a frozen lake
- Recreational or competitive: races are more expensive
- Your own or hired equipment: separate equipment cover
- Duration of the trip: a weekend or a whole season
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 determine whether your policy pays after an accident.
Air sports and competitions are the critical exclusions
Most travel and accident policies exclude off-piste mountain sports, air sports, diving below a stated depth and speed contests. Ski sailing engages the air sports provision as soon as you leave the ground with the kite, and the competition provision in any organised race. Additional adventure cover sometimes names this sport.
A kite that gets away affects your liability
If your kite or line hits another sportsperson, you are liable under Article 6:162 of the Dutch Civil Code. Liability insurance only pays if the sport is not among the exclusions. Riding in declared storm conditions or over ice that carries a warning can also come under Article 7:952 of the Dutch Civil Code fall.
Frequently asked questions
This is what people ask us most.
Is ski sailing the same as kitesurfing for my policy?
Often yes. Insurers that place kitesurfing in a risk class usually treat snowkiting identically. If the sport is not named in the conditions, ask for written confirmation before departure.
When does it count as an air sport?
As soon as you leave the ground with the kite. Many policies exclude air sports without further definition, so that even a jump of a few metres falls outside the cover.
Am I covered on a frozen lake?
Usually not without an extension. Going through the ice counts as a foreseeable risk and is often excluded separately. Do not go alone and observe local warnings.
Is my own kite covered?
Sports equipment falls under the luggage cover, with a maximum per item and with damage during use excluded. A tear in the fabric while sailing is rarely paid for.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ice diving and your insuranceUnder the ice, certification, no free ascent
- Caving and your insuranceUnderground, rope technique, cave rescue
- Ice climbing and your insuranceFrozen waterfall, falling ice, recovery costs
- Ski jumping and your insuranceThe hill, a competitive sport, excluded
- Ice climbing and your insuranceMountain sport, axes and screws, exclusion
- Ice sailing and your insuranceNatural ice, high speeds, liability
- Ballet skiing and your insuranceOn the piste, figures and jumps, competition exclusion
Read more
Are you going ski sailing?
Have it established before departure whether jumps and ice are included. We find out which insurer accepts 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.