Route and altitude
- A marked touring route
- Unpatrolled high mountains
- A glacier with a rope
Climbing skins · avalanche risk · high mountains
In ski touring you climb on skins, away from the lifts and often outside the ski area. Insurers assess that not as winter sport on the piste, but as a mountain sport.
Deze pagina in het Nederlands: Tourskiën en uw verzekering.
Without obligation; a reply within one working day.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out your own premium with the calculator.
Enter your details; you will receive a proposal within one working day.
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
The difference from piste skiing lies in the ascent. You move for hours through unpatrolled terrain, far from the piste service, and the descent goes through snow that nobody has checked. Avalanches, a misstep in hard snow and a change in the weather are the main risks.
On travel policies ski touring therefore comes under the mountain sports exclusion, often described as trips off the marked piste or involving the use of climbing equipment. If you cross a glacier, with a rope and crampons, the exclusion is almost always absolute and additional cover is needed.
Three things determine the assessment: the terrain, the equipment and the declaration in advance.
A marked ski touring route is weighed differently from a glacier tour.
Using climbing equipment moves the sport into mountain sports.
Help is further away than in a ski area.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| A tour on a marked touring route | Provided that | Yes |
| Medical costs after a fall on the descent | No | Yes |
| Search and rescue costs after an avalanche | No | Yes |
| Glacier trek with rope and crampons | No | Provided that |
| Setting off when an avalanche warning has been issued | No | No |
| Taking part in a ski mountaineering race | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Two points that determine whether your policy pays after an accident in touring terrain.
In addition to mountain sports, air sports, deep diving and speed competitions many policies apply a practical dividing line: as soon as you use a rope, an ice axe or crampons , it counts as a mountain sport. A touring route without that equipment is sometimes still accepted; a glacier tour hardly ever without an extension.
Even with accepted cover, Article 7:952 of the Dutch Civil Code still applies: no payment in the event of intent or recklessness. Setting off while the avalanche bulletin is high, or entering a closed slope, comes under it. Report an accident immediately to the emergency assistance centre and your insurer (Article 7:941 of the Dutch Civil Code).
Insurers weigh these details differently. That is why comparing pays off.
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.
The questions we are asked most often about this.
Often not. That module is written for skiing within the ski area. Trips off the marked piste come under mountain sports and call for additional cover. Some insurers do accept marked touring routes once they have been declared.
With deep powder skiing you usually stay in or beside the ski area and go up by lift. With ski touring you climb yourself, hours away from the piste service. That difference in distance mainly determines the rescue costs.
Yes. Timed competitions come under the exclusion for speed events, even without an engine. If you take part in a classification or a ski touring race, declare that separately; recreational participation is assessed differently from a race.
Sports equipment falls under the luggage cover, but with restrictions: damage during use, wear and tear and breakage are usually excluded. Theft from a locked space is generally covered. Hired equipment runs through the hire company.
Have it established before departure whether your route falls within the cover; we check it with the insurer.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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 .
The information on this page is general in nature and is not personal advice.
Verzekeringen:
/
Huis en gezin
Opstalverzekering
Inboedelverzekering
Aansprakelijkheid
Rechtsbijstand
Gezinsongevallen
Kostbaarheden
Zorgverzekering
/
Verkeer
Autoverzekering
Klassieker
Oldtimer
Bestelauto
Scooterverzekering
Motorverzekering
Kampeerauto
Caravan
Qaud/ trike/ mp3
Aanhangwagen
Scootmobiel/ Segway
Fietsverzekering
/
Recreatie
Kortlopende reis
Doorlopende reis
Annulering
Recreatiewoning/ chalet
Pleziervaartuig
Golfverzekering
Vakantiehuis
/
Verzekeringspakket
Particulieren verzekeringspakket
Exclusief-verzekeringspakket
/
Exclusieve-verzekeringen
Autoverzekering
Jachtverzekering
Opstalverzekering
Inboedelverzekering
Kostbaarheden
Verzekeringen:
/
Aansprakelijkheid en overige varia
Bedrijfsaansprakelijkheid
Beroepsaansprakelijkheid
Bestuurdersaansprakelijkheid
CAR-verzekering
Cyberverzekering
WEGAS/ WEGAM
Rechtsbijstand
Evenementen
/
Bedrijfsmiddelen
Bedrijfsschade
Geldverzekering
Opstalverzekering
Extra kosten
Milieuschade
Machinebreuk
Inventaris
Garageverzekering
/
Transport en zakenreis
Vervoer van eigen zaken
Goederentransport
Individuele zakenreis
Collectieve zakenreis
Container/ trailer
/
Verkeer
Personenauto
Bestelauto
Motor
Werkmaterieel
Aanhangwagen
Vrachtauto
Taxiverzekering
Oldtimer
Wagenpark
/
Ziekte en arbeidsongeschiktheid
Arbeidsongeschiktheid
Verzuimverzekering
/
pakketten
MKB-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheidsverzekering ZZP
Beroepsaansprakelijkheid ZZP
Bouw en Montage verzekering ZZP
Rechtsbijstandverzekering ZZP
/
Bedrijfsmiddelen
Inventaris- en Goederenverzekering ZZP
Eigen Vervoerverzekering ZZP
/
Pakketten
Verzekeringspakket ZZP
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid VVE
Bestuurdersaansprakelijkheid VVE
Ongevallenverzekering VVE
Rechtsbijstandverzekering VVE
/
Bedrijfsmiddelen
Gebouwenverzekering VVE
Glasverzekering VVE
Milieuschadeverzekering VVE
Eigenaarsbelang vve opstalverzekering
Slapende vve opstalverzekering
VvE verzekering eigen huis
VvE inboedelverzekering
/
pakketten
VvE-pakket
Verzekeringen:
/
Aansprakelijkheid en overige varia
Aansprakelijkheid
Bestuurdersaansprakelijkheid
/
Bedrijfsmiddelen
Bedrijfsgebouwen
Glasverzekering
Glas kantoren/ flat en woonhuis in de verhuur
Verhuurde woonhuizen
Inventaris / Goederen / Huurdersbelang
Milieuschadeverzekering
/
Special
Studentenhuis
Kamerverhuur
Hotel
Horecapand
Kantoorpand
Grachtenhuis
Tweede woning
Vakantiewoning
Rijksmonument
Bedrijfsverzamelgebouw
Fundering
Beleggingspand
Loods
Garage
Finass Verzekert is een handelsnaam van Finass Advies B.V.
KvK-nummer 37131781
Maandag - Vrijdag: 09:00 - 17:00
We use cookies and similar technologies to improve your experience on our website.