Kite · snowfield · air sport

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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Deze pagina in het Nederlands: Ski zeilen 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

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.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered with ski sailing?

The assessment turns on leaving the ground, the surface and the equipment.

In the air

Jumps with the kite

Leaving the ground engages the air sports exclusion.

Report in advance
A kite of the right size
No jumps above hard ice

Surface

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

Equipment

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.

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.

Kitesurfing and your insurance

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.

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.

Request a quote

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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.

Within Reisverzekering

Service

Are you going ski sailing?

Have it established before departure whether jumps and ice are included. We find out which insurer accepts this sport.

Request a quote

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 written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Ski sailing and your insurance

In brief

What is covered with ski sailing?

Jumps with the kite

Snow or frozen water

Kite, lines and skis

Where things go wrong in practice

Air sports and competitions are the critical exclusions

A kite that gets away affects your liability

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

Similar pages

Service

Are you going ski sailing?

About our service

Ski sailing and your insurance

In brief

What is covered with ski sailing?

Jumps with the kite

Snow or frozen water

Kite, lines and skis

Where things go wrong in practice

Air sports and competitions are the critical exclusions

A kite that gets away affects your liability

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Are you going ski sailing?

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