Describing the activity
- State the drop and swing height
- Name of the operator
- Get it confirmed in writing
Free fall · rope safety · operator
Swingbo and your insurance
Swingbo is a name for swinging on a rope or cable from a height, with a drop at the start. The term does not appear in policy conditions; the insurer looks at what you actually do.
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Deze pagina in het Nederlands: Swingbo en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
There is no governing body and no fixed definition. On an application you therefore describe the act, not the name: swinging away on a rope from a platform, bridge or crane, with a short free fall at the start. Insurers place that alongside bungee jumping and canyon swings.
On many travel and personal accident policies that category is excluded by name: jumping or dropping from a height. Where acceptance is possible, it applies only with a certified operator. A home-made rope swing on a tree is insured nowhere.
What is covered in swingbo?
The assessment turns on three questions: who organises it, how are you secured and has it been reported.
Safety and inspection
Acceptance almost always depends on an inspected installation.
- Harness and double line
- Inspected structure
- Instruction by the operator
Injury and recovery
With a neck injury or a hard landing, who is liable for what matters.
- Report an accident immediately
- The waiver you signed
- Witnesses and photographs
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a hard landing | No | Yes |
| Permanent disability from a neck or back injury | No | Provided that |
| Taking part with a certified operator | No | Provided that |
| A home-made rope swing or your own structure | No | No |
| Liability if you hit someone else | Provided that | Yes |
| Jumping after drinking alcohol | 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 keep coming back with activities of this kind.
The exclusion looks at the act, not the name
Policies generally name mountain sports, air sports, deep diving and speed competitions and also jumping from a height. Swingbo falls under that last item, even where the word does not appear. A new name for a familiar act does not change the assessment.
The waiver you sign limits your recovery
Operators almost always have participants sign a statement. Such an exclusion clause does not rule out everything: with a defective structure the operator may be liable as the owner of the structure (Article 6:174 of the Dutch Civil Code) or under Article 6:162 of the Dutch Civil Code. Keep the statement you signed.
What does your premium depend on?
- Drop and swing height — more height, higher risk
- Organised or home-made — only the first is open to discussion
- Once or more often — a one-off activity or a hobby
- Destination — supervision differs from country to country
- Age and health — counts on personal accident cover
- Sums insured — mainly for permanent disability
Insurers weigh these details differently. That is why comparing pays off.
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.
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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.
Frequently asked questions
The questions we are asked most often about this.
Why does swingbo not appear in my policy conditions?
Because it is not a recognised name for a sport. Insurers work with categories, not with the brand names of attractions. Your activity is placed under jumping or dropping from a height, the same item as bungee jumping.
Is a one-off attempt covered?
Not automatically. Exclusions apply to one-off participation as well. Some insurers accept a single jump with a certified operator if it is reported in advance; have that recorded in writing before you leave.
What if the structure fails?
Then the operator may be liable as the owner of the structure or for acting without due care. Report the accident to your insurer, record the situation with photographs and keep the participation conditions and the waiver.
Does my liability insurance cover damage to the installation?
Usually on a limited basis. Damage to items in your custody falls under the care, custody and control exclusion and is often excluded. Injury you cause to someone else is generally included, unless the activity itself is excluded.
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Not sure about this activity?
Describe to us exactly what you plan to do; we put it to the insurer before you leave.
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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.
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This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.