Liability
- The AVP excludes motor vehicles
- An insurance obligation applies to motor vehicles
- Ask for the hire contract
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.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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
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 — 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.
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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.
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
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.
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.
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 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.
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).
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.
Every situation is different. For these situations we have a separate page.
- Insuring a moped & comparing premiumsThe main page
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- Mobility scooter insurance for an open mobility scooterLiability, users, assistance
- Hang gliding and your insuranceAir sports, hang gliding, separate cover
- Husky sledding trips and your insuranceSled dogs, polar regions, hired equipment
- Skibobbing and your insuranceSeated, high speed, piste rules
Read more
Within Bromfietsverzekering
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.
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.