Surf · currents · your own board

Surfing and your insurance

Most insurers simply include recreational surfing. Competitions, big waves and damage to your board are generally excluded.

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Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Golfsurfen 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

Most insurers place surfing in the normal risk class. Injury and medical costs are included under travel and personal accident cover. The danger lies mainly in the surf itself: your own board rebounding, a shallow sandbank or reef, and rip currents that pull you away from the shore.

There are clear limits nonetheless. What is usually excluded is taking part in competitions, surfing big waves with a tow-in behind a jet ski and surfing at spots closed by the lifeguard service. Your board is often insured as luggage, but not while you are surfing.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered in surfing?

Three elements determine your position: injury, liability and equipment.

Yourself

Injury in the surf

Recreational surfing usually falls within the ordinary cover.

Treatment and transport on the spot
Repatriation through the emergency assistance centre
Report competitions separately

The other party

Liability in the line-up

If your board hits another surfer, Article 6:162 DCC applies.

Injury and damage to third parties
Priority rules count towards the assessment
Never admit liability yourself

Equipment

Board and wetsuit

Insured as luggage, with restrictions for use and theft.

Breakage in the water not covered
Left unattended on the beach is excluded
A hired board falls under care, custody and control

What is covered

Situation	Standard	With extension
Medical costs after injury from your own board	Yes	Yes
Rescue from the sea by the lifeguard service	Provided that	Yes
Liability after a collision with another surfer	Provided that	Yes
Your board breaking while you surf	No	Provided that
Taking part in a surfing competition	No	Provided that
Surfing on a closed beach or under a red warning	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 whether your policy pays after an accident in the surf.

Competitions and big waves fall outside

The standard exclusions on a travel or personal accident policy are mountain sports off the beaten track, air sports, deep diving and speed contests. With surfing you mainly run into the competition exclusion. Big-wave surfing and tow-in behind a jet ski are also named separately as extreme sports.

Theft and breakage of your board are two different things

Baggage cover excludes sports equipment while in use: a board that breaks in the surf is not luggage damage. Theft is sometimes covered, but not if the items were left unattended on the beach. Report damage straight away, as Article 7:941 of the Dutch Civil Code requires.

What does your premium depend on?

Risk class of the sport: recreational surfing is normal
Recreational or in competition: competitions attract a surcharge
Destination. Europe, Morocco or overseas
Duration of the trip: a short trip or a surfing season
Insuring the equipment as well: declare the board and suit separately
Sums insured: medical costs and repatriation

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

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.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does surfing count as a risk sport?

Recreationally, usually not. With most insurers, surfing ordinary beach breaks sits in the normal class. It is different with big-wave surfing, tow-in behind a jet ski or surfing over a reef in a remote area; those forms are often named separately in the exclusions.

Is my surfboard insured while travelling?

As luggage, often yes, with a maximum per item and usually only against theft or damage in transit. Breakage while surfing falls under the exclusion for sports equipment in use. Ask whether your board has to be declared separately.

Who pays if I hit another surfer?

Your liability insurance, if you acted unlawfully within the meaning of Article 6:162 of the Dutch Civil Code. In sporting situations a higher threshold applies than in traffic. Report the incident and leave the assessment to your insurer.

What if I surf while the beach is closed?

Then you run into Article 7:952 DCC: damage caused by recklessness is not covered. If you ignore a red flag, a closed beach or an express warning, the insurer may refuse the payout.

Within Reisverzekering

Service

Are you going surfing?

Have it confirmed before you travel what is arranged for yourself, your liability and your board.

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.

Surfing and your insurance

In brief

What is covered in surfing?

Injury in the surf

Liability in the line-up

Board and wetsuit

Where things go wrong in practice

Competitions and big waves fall outside

Theft and breakage of your board are two different things

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

Similar pages

Service

Are you going surfing?

About our service

Surfing and your insurance

In brief

What is covered in surfing?

Injury in the surf

Liability in the line-up

Board and wetsuit

Where things go wrong in practice

Competitions and big waves fall outside

Theft and breakage of your board are two different things

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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