Motor vehicle · WAM obligation · damage to a hire vehicle

Snowmobiles and your insurance

A snowmobile is not winter sports equipment but a motor vehicle. That moves the cover from your travel policy to motor insurance.

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Deze pagina in het Nederlands: Snowscooter 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.

We compare the offerings of several insurers
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

Riding a snowmobile feels like part of a winter sports holiday, but in law it is something else. A snowmobile is a motor vehicle. Personal liability insurance excludes damage caused with a motor vehicle from, and travel insurance covers injury at most &mdash. Not the damage you cause to others or to the vehicle.

In the Netherlands, motor vehicles are subject to an insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM); a comparable obligation exists in the countries where you ride. If you hire locally, the hire company has usually arranged third-party liability cover, but damage to the hired vehicle itself often remains entirely at your expense, or up to a substantial excess.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered on a snowmobile?

Three questions determine your position: who is liable, who pays for the snowmobile and who pays for your injury.

Towards others

Liability

Runs through motor insurance, not through your AVP.

The AVP excludes motor vehicles
An insurance obligation applies to motor vehicles
Ask for the hire contract

The snowmobile itself

Own-damage cover and damage to a hire vehicle

Damage to the hired vehicle is rarely included in the cover.

Often a high excess on hire
Rolling over and getting stuck count
Theft arranged separately

Yourself

Injury and recovery

Personal accident cover applies only where the sport is not excluded.

Report the use in advance
A licence requirement locally
Call the emergency assistance centre first

What is covered

Situation	Standard	With extension
Medical costs after an accident with the snowmobile	Provided that	Yes
Damage you cause to someone else	No	Yes
Damage to the hired snowmobile	No	Provided that
Search, rescue and recovery costs	Provided that	Yes
Driving without a valid licence or under the influence	No	No
Taking part in speed or skill events	No	No

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 determine who gets the bill.

The motor vehicle exclusion is the heart of it

Your personal liability insurance does not cover damage you cause with a motor vehicle; that is a standard exclusion. Travel policies also generally exclude speed and skill trials, mountain sports off the beaten track and air sports. A snowmobile trip through unsupervised high mountains can fall within that last category; have that confirmed in writing in advance.

Off-piste and unsupervised terrain

The hire contract determines your excess

On a hired snowmobile you almost always sign for an excess on own-damage claims and sometimes for full liability if you roll over or ride off the designated route. Read that before you sign. Riding without the required licence or under the influence falls outside every cover and is assessed as recklessness (Article 7:952 of the Dutch Civil Code). Report a claim immediately (Article 7:941 of the Dutch Civil Code).

What does your premium depend on?

Type of cover: third-party liability, or own-damage cover as well
Your own vehicle or a hired one: hire runs through the hire company
Country and area: a designated route or unsupervised terrain
Length of use: one day or the whole season
Experience and licence: requirements differ from country to country
Excess: determines your share after a loss

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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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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does a snowmobile come under my travel insurance?

Only in part. Travel insurance may cover injury and repatriation if the activity is not excluded, but never the damage you cause with the vehicle. Motor insurance is needed for that.

Does my liability insurance cover the damage to someone else?

No. The AVP excludes damage caused with a motor vehicle. On a hire, liability runs through the hire company's policy; before you leave, ask what amount is insured and whether you as the rider are covered.

Who pays for damage to the hired snowmobile?

Usually you, up to the excess in the hire contract. Some hire companies offer a waiver. Travel insurance generally does not pay for this, because damage to hired motor vehicles falls outside the cover.

Do I need a driving licence?

That differs from country to country and from area to area. Where a licence or instruction is compulsory and you ride without it, the cover falls away entirely, including for injury. Check the requirements before you sign the hire contract.

Within Bromfietsverzekering

Service

Are you going to ride a snowmobile?

Have it worked out in advance which policy pays for what. We look at liability, own-damage cover and your own risk of injury.

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.

Snowmobiles and your insurance

In brief

What is covered on a snowmobile?

Liability

Own-damage cover and damage to a hire vehicle

Injury and recovery

Where things go wrong in practice

The motor vehicle exclusion is the heart of it

The hire contract determines your excess

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Bromfietsverzekering

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Are you going to ride a snowmobile?

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Snowmobiles and your insurance

In brief

What is covered on a snowmobile?

Liability

Own-damage cover and damage to a hire vehicle

Injury and recovery

Where things go wrong in practice

The motor vehicle exclusion is the heart of it

The hire contract determines your excess

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Bromfietsverzekering

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Are you going to ride a snowmobile?

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