Describe the activity
- Send a photograph or the model
- Piste or open terrain
- Competition or not
Seated device · unfamiliar term · notify in advance
Ski biking and your insurance
Skibocken means using a skibock: a seated device on short skis. The term does not appear in policy conditions, and that is precisely the problem.
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Deze pagina in het Nederlands: Skibocken en uw verzekering.
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- 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.
In brief
Skibocken is a collective name for descending on a skibock: a frame with a saddle on one or two short skis, related to the skibob and the snowbike. It is not a widely practised sport and the name is used differently from region to region. The term appears in almost no policy conditions.
An insurer assesses not the name but the actual activity. So describe what you do: on which device, on which slope and at what speed. If you receive no confirmation, it remains uncertain whether this falls under winter sports or under an exclusion — and that uncertainty works against you when you claim.
What is covered in skibocken?
Without a recognised name for the sport, everything turns on the description you give in advance and the confirmation you get back.
Get it in writing
A verbal assurance is hard to prove when you claim.
- Confirmation by e-mail
- Keep it with the policy
- Even for one-off use
If no cover is given
If the insurer refuses, only the basics remain.
- Ordinary travel cover only
- No mountain rescue in rough terrain
- Costs for your own account
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Use on an open piste, reported in advance | Provided that | Yes |
| Use without notification, because the term is not in the policy | No | No |
| A descent in unpatrolled or unprepared terrain | No | Provided that |
| Taking part in a race or time trial | No | No |
| Injury to a third party after a collision | Provided that | Yes |
| Damage to the hired device | 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 make the difference with an unfamiliar activity.
An unfamiliar name gives you no cover
If your activity does not appear in the conditions, at claim stage it is placed in the nearest category — and that usually means the exclusions: off-piste mountain sports, air sports, diving below a stated depth or speed contests. Have the classification recorded in advance rather than arguing about it afterwards.
The duty of disclosure works both ways
When taking out the policy you must answer the insurer’s questions in full (Article 7:928 of the Dutch Civil Code); if you do not, it may reduce or refuse payment (Article 7:930 of the Dutch Civil Code). An unfamiliar name for the sport does not release you from that duty: describe the device factually. Report a claim straight away (Article 7:941 of the Dutch Civil Code).
What does your premium depend on?
- Classification by the insurer — which category it chooses
- Grounds — piste or open mountainside
- Recreational or competitive — competition is ruled out
- 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
Insurers weigh these details differently. That is why comparing pays off.
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.
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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.
Frequently asked questions
The questions we are asked most often about this.
My policy does not mention skibocken. Am I covered?
That is not certain. An insurer assesses the actual activity. Without notification in advance you run the risk that it places the device in an excluded category when you claim.
What do I put in my notification?
Describe the device, whether you stay on a prepared piste, whether you take part in competitions and whether you hire it. Ask for written confirmation and keep it with your policy.
Is this the same as skibobbing?
Related, not identical. The skibob is a recognised device with its own competition circuit; skibock is used more loosely. Feel free to refer to the skibob as a comparison in your notification.
And if the insurer refuses?
Then the activity falls outside cover and treatment, mountain rescue and repatriation are for your own account. Additional adventure cover with another insurer is then the alternative.
Read more
Similar pages
Are you going skibocken?
Have the activity assessed and recorded before you leave; we put the description to the insurers that accept 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 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.