Indoor or dry slope
- Health insurance for injury
- AVP for damage to others
- Follow the slope rules
Artificial slope · site operator · liability
Ski touring and your insurance
Skiwal is not a standard name for a sport; the term is used for skiing on a constructed bank or artificial slope. That moves the question from your travel policy to your liability and personal accident cover.
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Deze pagina in het Nederlands: Skiwal en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The term skiwal does not appear in policy conditions. In practice it means skiing on a constructed slope or bank: a dry slope, an indoor slope or an artificial embankment. If that takes place in the Netherlands, your travel insurance does not respond; what counts then is your liability insurance and any personal accident cover.
If you fall because of a defect in the slope — a loose brush mat, a broken lift — the operator may be liable as the owner of the structure (Article 6:174 of the Dutch Civil Code). If the same activity takes place in the mountains abroad, the usual winter sports exclusions come back into view.
What is covered when skiing on an artificial bank?
Establish first where you ski: on a slope in the Netherlands or on a mountainside abroad.
A defect in the slope
The operator is liable for an unsound slope or lift.
- Article 6:174 of the Dutch Civil Code
- Have it recorded straight away
- Note down witnesses
The same sport in the mountains
Away from the slope, the usual winter sports rules apply.
- Winter sports cover needed
- Off-piste excluded
- Arrange mountain rescue separately
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Skiing on an indoor or dry slope in the Netherlands | Yes | Yes |
| Injury caused by a defect in the slope or the lift | Provided that | Provided that |
| A lesson or clinic led by an instructor | Yes | Yes |
| Taking part in a competition on the slope | No | Provided that |
| Damage to hired skis or boots | No | Provided that |
| The same descent off-piste in the mountains | 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 who bears the loss after a fall on the slope.
On a slope, the operator is often the first port of call
The owner of a structure is liable if it does not meet the standards that may be expected of it (Article 6:174 of the Dutch Civil Code). With a loose mat or a defective lift, that is the slope operator. If you collide with another skier, the ordinary standard under Article 6:162 of the Dutch Civil Codeapplies. Always have an accident recorded on the spot.
In the mountains the usual exclusions apply again
Travel and personal accident policies exclude off-piste mountain sports, air sports, diving below a stated depth and speed contests . If you ski the same slope on an unpatrolled embankment or off the marked piste, you fall into the first category. Report an injury within the period set by Article 7:941 of the Dutch Civil Code.
What does your premium depend on?
- Location — a slope in the Netherlands or the mountains
- Recreational or competitive — competition often excluded
- Lessons or free skiing — supervision is taken into account
- Personal accident cover — insured or not
- Your own or hired equipment — hire calls for equipment cover
- 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.
Do I need travel insurance for this?
Not if you ski on a slope in the Netherlands. Treatment costs then run through your health insurance and damage to others through your liability insurance. For a slope abroad, winter sports cover is needed.
The slope was badly maintained. What now?
Report the injury to the operator straight away and have it recorded in writing. As the owner of the structure, the operator may be liable under Article 6:174 of the Dutch Civil Code. Keep photographs and witness statements.
Does my winter sports cover apply on a dry slope?
That cover belongs to the travel insurance and only responds while you are travelling. It is not intended for use in your own country; check your personal accident and liability cover instead.
Is a race on the slope covered?
An informal speed classification quickly falls under the exclusion for competitions. For an organised competition the organiser usually arranges collective cover; ask about that in advance.
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Similar pages
Do you ski on an artificial slope?
Have it established which policy applies here; we look at your liability, personal accident and travel cover together.
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.