Horse or dog team
- Who is the keeper?
- Article 6:179 of the Dutch Civil Code
- Agreements with the stables
Horse or motorcycle · liability · competitions
Skijoring and your insurance
In skijoring you are pulled along on skis by a horse, a dog team or a motor vehicle. Different rules apply to each variant, and that difference determines your cover.
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Deze pagina in het Nederlands: Skijoring en uw verzekering.
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- 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.
In brief
Skijoring comes in three forms and insurers do not treat them alike. Behind a dog team on a course it is close to cross-country skiing. Behind a horse liability for animals is added. Behind a motorcycle or snowmobile you move into the world of motor vehicles, and for liability insurance that is a world of its own.
In all three forms you depend on a pulling force you do not fully control, on a surface without a crash barrier. That is why policies often place skijoring among the high-risk sports and why competitions fall outside cover as standard.
What is covered in skijoring?
Establish first which pulling force you use; only then which policy responds.
Behind a motorised vehicle
Damage caused with a motor vehicle falls outside ordinary AVP cover.
- Check the WAM cover
- On private land as well
- The rider insured separately
Races and demonstrations
Organised skijoring races fall under the competition exclusion.
- Speed competitions excluded
- Training runs too
- Ask about federation cover
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Pulled by a dog team on a purpose-built course | Provided that | Yes |
| Pulled by a horse, recreationally | No | Provided that |
| Pulled behind a motorcycle or snowmobile | No | Provided that |
| Taking part in a skijoring competition | No | No |
| Damage the horse causes to a third party | Provided that | Yes |
| Your own injury after a fall at high speed | 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, for each variant, who bears the loss.
The horse makes liability complicated
Under Article 6:179 of the Dutch Civil Code the keeper of an animal is liable for damage caused by the animal’s own energy, even without fault. If the horse bolts and hits a spectator, the question arises who was the keeper or commercial user at that moment. Record that with the owner or the stables before the ride.
Behind a motor vehicle, the policy changes
Motor vehicles are subject to the insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM), and ordinary liability insurance normally excludes damage caused with motor vehicles. The standard exclusions also remain in place: off-piste mountain sports, air sports, diving below a stated depth and speed contests.
What does your premium depend on?
- Version chosen — dog, horse or motorcycle
- Recreational or competitive — races are ruled out
- Risk class of the sport — higher than cross-country skiing
- Destination — the Alps, Scandinavia or further afield
- Duration of the trip — a single day or a whole week
- Sums insured — mainly for liability
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.
Does skijoring fall under winter sports cover?
Only the variant behind dogs sometimes appears in the conditions. Behind a horse or motor vehicle, most insurers treat it as a high-risk sport and notification in advance is essential.
Who pays if the horse injures someone?
The keeper of the animal is liable under Article 6:179 of the Dutch Civil Code. If you hire the horse from a stables, that business may be the commercial user. Record in writing beforehand who bears what.
Am I insured behind a snowmobile?
Rarely without an extension. Liability policies exclude damage caused with motor vehicles, and the driver of the snowmobile needs their own WAM cover. Ask the organiser in advance what cover is in place.
May I take part in a skijoring race?
You may take part, but entry in speed competitions and training for them is excluded on almost every travel and personal accident policy. Ask the organiser about collective cover.
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Similar pages
Are you going skijoring?
Have it recorded before you leave which policy pays for each variant; we find out who accepts this sport.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
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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.
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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.