Admission to the piste
- Arrange permission in advance
- Compulsory safety strap
- Open pistes only
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- 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 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.
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What is covered in skibobbing?
Three things determine your position: permission from the ski area, use on or off the piste, and your liability.
On or off the piste
Off the marked piste, cover usually lapses.
- No off-piste descents
- No closed slopes
- Adjust your speed to visibility
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.
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.
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.
9.5New policy
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 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).
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.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Ski biking and your insuranceSeated device, unfamiliar term, notify in advance
- Ski touring and your insuranceArtificial slope, site operator, liability
- Firn blaettern and your insuranceSpring snow, off-piste, wet avalanches
- Skijoring and your insuranceHorse or motorcycle, liability, competitions
- Snowmobiles and your insuranceMotor vehicle, WAM obligation, damage to a hire vehicle
- Ski safaris and your insuranceMulti-day tour, remote, repatriation
Are you going skibobbing?
Have it confirmed before you leave whether the device is insured. We find out which insurer accepts this.
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.