Seated · high speed · piste rules

Skibobbing and your insurance

A skibob is a steerable frame on skis on which you descend seated. It reaches high speeds, and that determines both your cover and your liability.

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Deze pagina in het Nederlands: Skibob en uw verzekering.

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 for yourself what it would cost.

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We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

On a skibob you sit on a saddle between two skis and steer with the front ski, with short foot skis for support. Used recreationally on an open piste, some insurers include this under the winter sports cover, but by no means every policy names the device. Many ski areas also require separate permission or a pass.

The risk lies in the speed and the stopping distance. A skibob brakes differently from skis and collisions with other piste users end more seriously. A skibob is not a motor vehicle, so the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) does not apply here; your liability runs through ordinary personal liability insurance, provided that policy does not exclude the sport.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered in skibobbing?

Three things determine your position: permission from the ski area, use on or off the piste, and your liability.

Permission

Admission to the piste

Not every ski area allows skibobs on every lift or slope.

Arrange permission in advance
Compulsory safety strap
Open pistes only

Use

On or off the piste

Off the marked piste, cover usually lapses.

No off-piste descents
No closed slopes
Adjust your speed to visibility

Claims

Liability and equipment

Injury to others in a collision is the largest item.

Check your liability cover
Arrange hired equipment separately
Have a report drawn up

What is covered

Situation	Standard	With extension
Recreational use on an open, prepared piste	Provided that	Yes
Use without permission from the ski area	No	No
Taking part in a skibob competition or timed run	No	No
Injury to another piste user after a collision	Provided that	Yes
A descent off the marked piste	No	Provided that
Damage to the hired skibob	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 decide whether your policy pays after a collision on the piste.

Speed competitions fall outside every standard cover

Travel and personal accident policies generally exclude off-piste mountain sports, air sports, diving below a stated depth and taking part in speed contests. The skibob was originally a competition device; record attempts and timed runs therefore always fall outside cover, even with an additional winter sports module.

Injury from a collision runs through your liability insurance

If you ride into someone, you are liable under Article 6:162 of the Dutch Civil Code; the FIS rules of conduct on the piste are used as the yardstick. Riding without the compulsory safety strap, outside opening hours or after drinking alcohol may count as reckless (Article 7:952 of the Dutch Civil Code). Report a claim immediately (Article 7:941 of the Dutch Civil Code).

What does your premium depend on?

Risk class of the sport: higher than ordinary skiing
Recreational or competitive: timed runs are excluded
Destination: the Alps or further afield
Duration of the trip: a single week or a whole season
Your own or a hired craft: hire calls for equipment cover
Sums insured: mainly for liability

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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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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does skibobbing fall under winter sports cover?

With some insurers it does, provided you stay on an open piste. Many conditions name only skiing and snowboarding. Ask for written confirmation for this device in advance.

Do I need third-party liability insurance as I would for a scooter?

No. A skibob has no engine and is not a motor vehicle, so Article 2 of the WAM does not apply. Your ordinary personal liability insurance has to carry the loss, provided the sport is not excluded.

May I take a skibob on any lift?

Not as a matter of course. Ski areas set their own rules: a day pass for skibobs, a compulsory safety strap and sometimes a ban on certain lifts. Riding contrary to those rules costs you your cover.

Is my own skibob insured against damage?

As sports equipment it falls under baggage cover, with a maximum per item. Damage arising during use is almost always excluded; theft from a locked space sometimes is covered.

Within Reisverzekering

Service

Are you going skibobbing?

Have it confirmed before you leave whether the device is insured. We find out which insurer accepts this.

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.

Skibobbing and your insurance

In brief

What is covered in skibobbing?

Admission to the piste

On or off the piste

Liability and equipment

Where things go wrong in practice

Speed competitions fall outside every standard cover

Injury from a collision runs through your liability insurance

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Are you going skibobbing?

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Skibobbing and your insurance

In brief

What is covered in skibobbing?

Admission to the piste

On or off the piste

Liability and equipment

Where things go wrong in practice

Speed competitions fall outside every standard cover

Injury from a collision runs through your liability insurance

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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