Two activities · deep powder · diving depth

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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Deze pagina in het Nederlands: Snorkelskiën en uw verzekering.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

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An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered with snorkel skiing?

Split the trip into two parts and have both assessed in advance.

Snow

Deep powder

Deep powder rarely lies on a prepared piste.

Piste or unpatrolled terrain
Take avalanche equipment
Never ski alone

Water

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

Travel

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.

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.

Diving with a certificate

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).

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.

Request a quote

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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.

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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.

Within Reisverzekering

Service

Snow and water in one trip?

Have both activities assessed separately before departure. We arrange the modules that go with them.

Request a quote

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 15 August 2026.

The information on this page is general in nature and is not personal advice.

Snorkel skiing and your insurance

In brief

What is covered with snorkel skiing?

Deep powder

Snorkelling and diving

Two destinations

Where things go wrong in practice

Two exclusions in play at once

An unfamiliar name does not work in your favour

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Snow and water in one trip?

About our service

Snorkel skiing and your insurance

In brief

What is covered with snorkel skiing?

Deep powder

Snorkelling and diving

Two destinations

Where things go wrong in practice

Two exclusions in play at once

An unfamiliar name does not work in your favour

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Snow and water in one trip?

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