Deep powder
- Piste or unpatrolled terrain
- Take avalanche equipment
- Never ski alone
Snorkel skiing and your insurance
Snorkel skiing is not a recognised name for a sport. The term is used both for skiing in very deep powder and for trips on which you both ski and snorkel. An insurer assesses each of these separately.
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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
The term snorkel skiing appears in no set of policy conditions. It is used in two ways: for skiing in powder so deep that the snow comes up over your face, and for a combined trip on which winter sports and snorkelling coincide. An insurer assesses not the name, but each activity separately.
For the skiing part the question is whether you ski off the marked piste; that falls under the exclusion for mountain sports. For the water part, snorkelling at the surface is generally covered, but diving below a depth named in the conditions and diving without a valid licence are almost always excluded.
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What is covered with snorkel skiing?
Split the trip into two parts and have both assessed in advance.
Snorkelling and diving
The line runs at the depth and the licence.
- The surface usually covered
- Check the depth in the policy
- A licence for scuba diving
Two destinations
A combined trip calls for both modules.
- Winter sports module switched on
- Diving cover separately
- Luggage for both
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Skiing on an open, prepared piste | Yes | Yes |
| Skiing in deep powder off the marked piste | No | Provided that |
| Snorkelling at the surface, close to the shore | Yes | Yes |
| Scuba diving without a valid licence | No | No |
| Diving below the depth named in the policy | No | Provided that |
| Search and rescue costs at sea or in the mountains | Provided that | Yes |
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?
- Share of off-piste: deep powder weighs heavily
- Diving depth and licence: determines the diving cover
- Destination: two areas in one trip
- Duration of the trip: a single week or longer
- Guidance: a guide, an instructor or alone
- Sums insured: above all for rescue and transport
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 make the difference with a combined activity.
Two exclusions in play at once
The standard exclusions are off-piste mountain sports, air sports, diving below a stated depth and speed contests. With snorkel skiing you touch two of them: the skiing part through the mountain sports provision and the water part through the diving provision. Have both confirmed separately, not as one activity.
An unfamiliar name does not work in your favour
On the application, describe factually what you do. The duty of disclosure of Article 7:928 of the Dutch Civil Code calls for complete answers, and if it is breached the insurer can limit the payment (Article 7:930 of the Dutch Civil Code). Diving without a licence or skiing in closed terrain can also count as reckless (Article 7:952 of the Dutch Civil Code).
Frequently asked questions
This is what people ask us most.
Does snorkel skiing exist as an insured sport?
Not as a separate category. Insurers assess the components: skiing on or off the piste, and snorkelling or diving. Declare both separately and ask for confirmation for each part.
Is snorkelling without a licence covered?
At the surface generally yes, provided you observe local warnings. As soon as you dive with compressed air, virtually every policy requires a valid licence and applies a maximum depth.
What counts as deep powder off the piste?
Everything outside the marked, open descents. That is unpatrolled terrain and falls under the exclusion for mountain sports, including the search and rescue costs after an avalanche.
Do I need two insurance policies?
Usually not two policies, but two modules on one travel policy: winter sports cover and diving or adventure cover. Check that both apply for the same travel period.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Glacier skiing and your insuranceCrevasses, off-piste, recovery costs
- Caving and your insuranceUnderground, rope technique, cave rescue
- Ice diving and your insuranceUnder the ice, certification, no free ascent
Read more
Snow and water in one trip?
Have both activities assessed separately before departure. We arrange the modules that go with them.
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.