Notify it and have it accepted
- The name of the parachute centre
- A one-off jump or a course
- Confirmation on paper
Tandem skydiving and your insurance
In a tandem jump you are attached to a certified instructor who operates the parachute system. For insurers it remains an air sport, and that is excluded on most policies.
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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
You do not jump yourself: the tandem master steers, opens and lands. That reduces the risk, but it does not change the category. Travel, accident and life policies contain an exclusion for air sports, including parachute jumping, and it applies to the passenger at the front of the harness as well.
Some insurers make an exception for a one-off tandem jump at a recognised parachute centre, provided it is declared in advance. That exception does not apply to a training course, a solo jump or formation jumping. Without a declaration there is no cover, not even for medical costs.
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What is covered with tandem jumping?
Three policies meet here: travel, accident and liability.
Disability and death
This is often where the air sports clause bites hardest.
- A separate risk sport clause
- On life policies as well
- Ask for the wording in advance
The parachute centre and the waiver
You almost always sign a statement accepting the risk yourself.
- Check the certification
- Keep the waiver
- Report an accident immediately
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical costs after a landing accident | No | Yes |
| A one-off tandem jump, declared in advance | No | Provided that |
| Permanent disability | No | Provided that |
| Training to become an independent jumper | No | No |
| Jumping outside a recognised parachute centre | No | No |
| Cancellation of the trip for another reason | Provided that | Yes |
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?
- A one-off jump or jumping regularly: one jump is open to discussion
- Tandem or independent: solo weighs more heavily
- Country of the jump: supervision varies widely
- Sums insured: disability and death
- Age: counts on the accident cover
- Other risk sports: the overall picture determines acceptance
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 whether your jump is insured.
Air sports sit alongside mountain sports in the exclusions
The standard list names mountain sports, air sports, deep diving and speed competitions. Parachute jumping comes under air sports, together with paragliding, gliding and BASE jumping. The exclusion rarely distinguishes between solo and tandem. That distinction is something you have to have recorded yourself.
Parachuting and skydiving
Do not forget your life and accident insurance
An application form often asks about high-risk sports. If you answer incorrectly, Article 7:928 of the Dutch Civil Code applies and the insurer can fall back on Article 7:930 of the Dutch Civil Codewhen you claim. If you jump only once, check whether your current accident policy contains an air sports clause.
Frequently asked questions
This is what people ask us most.
I do not jump myself; is it still excluded?
Usually yes. The exclusion for air sports looks at the activity, not at who operates the parachute. Some insurers accept a one-off tandem jump after it has been declared in advance. That is an exception, not a rule.
What does the parachute centre itself cover?
Parachute centres have their own liability insurance for mistakes by their staff or their equipment. It does not cover injury that arises without any fault. The waiver you sign further limits your ability to recover; keep a copy.
Do I have to declare it to my life insurer?
If the insurer asks about it, yes. Non-disclosure comes under the duty of disclosure of Article 7:928 of the Dutch Civil Code. For a one-off jump a short written notification is usually enough; ask for confirmation that the cover remains in place.
Can I cancel if the weather stops the jump?
Cancellation insurance covers the trip, not a jump that is called off. A postponement because of wind or cloud is a normal business risk of the parachute centre and falls outside the cover. Look at their own rebooking terms.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Skysurfing and your insuranceAir sport, parachute, excluded
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Swingbo and your insuranceFree fall, rope safety, operator
- Hang gliding and your insuranceAir sports, hang gliding, standard exclusion
- Ski jumping and your insuranceThe hill, a competitive sport, excluded
- Paragliding and your insuranceAir sport, canopy flying, liability
- Formation skydiving and your insuranceParachute sport, experience, exclusion
Are you going tandem jumping?
Have it established before the jump whether your policy includes air sports. We apply for it on your behalf.
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.