The flight itself
- Scheduled flights are covered
- Flying yourself is not
- Nor are instruction flights
Ultralight flying and your insurance
Ultralight flying means flying a light sport aircraft, either at the controls yourself or as an occupant. That is air sport, and air sport is one of the standard exclusions on private policies.
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- Personal 072 - 509 24 56, weekdays 9–17
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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
Travel insurance covers you as a passenger on a public transport aircraft. As soon as you fly yourself, fly along in an ultralight or take an instruction flight, that falls under air sports and cover for the consequences lapses. The same applies to the personal accident section of many policies.
What you need lies on the aviation side: liability cover for the aircraft and, where necessary, hull and occupants' cover through a specialist insurer. Your personal liability insurance (AVP) excludes damage caused with an aircraft as standard.
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We compare your travel insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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What is covered in ultralight flying?
Three policies diverge here: travel, personal accident and the aviation policy for the aircraft.
Liability and hull
A separate insurance regime applies to the aircraft.
- Damage to third parties on the ground
- Hull cover for the aircraft
- Occupants arranged separately
Accidents and death
Check the flying clause in your existing policies.
- Request the clause
- Disclosure when taking out the policy
- Life insurance as well
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Flying as a passenger on a scheduled flight | Yes | Yes |
| Piloting an ultralight yourself | No | Provided that |
| Flying as an occupant in an ultralight | No | Provided that |
| Damage to third parties caused with the aircraft | No | Yes |
| Taking part in an air rally or competition | No | No |
| Flying without a valid licence or outside the permit | 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?
- Flying yourself or as an occupant: being at the controls weighs more heavily
- Licence and flying hours: experience counts
- Type of aircraft: fixed wing or trike
- Use: recreational, instruction or rally
- Sums insured: liability and hull
- Area: domestic or foreign flights
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 are structurally overlooked in air sport.
The AVP covers nothing that happens with an aircraft
The standard exclusions are mountain sports, air sports, deep diving and speed competitions. On top of that, personal liability insurance excludes damage caused with a motor vehicle, vessel or aircraft. So liability for an emergency landing in a crop is arranged through the aviation policy.
Parachuting and skydiving
Mention your flying hobby when you apply and whenever things change
Personal accident and life insurers ask about air sport. Answering incorrectly engages the duty of disclosure under Article 7:928 of the Dutch Civil Code, with the result that the insurer may reduce or refuse payment (Article 7:930 of the Dutch Civil Code). If you only take up flying later, report it then.
Frequently asked questions
This is what people ask us most.
Am I insured as a passenger in an ultralight?
Not through travel insurance. That covers travel as a passenger on public transport, not air sport. Cover runs through an occupants' policy attached to the aircraft or through the flying club. Ask the owner which policy is in place.
Does my liability insurance cover damage on the ground?
No. The AVP excludes damage caused with an aircraft, just as it excludes damage caused with a motor vehicle. For damage to buildings, crops or people after an incident you need the liability cover attached to the aircraft.
Does the exclusion also apply to flying along just once?
Usually it does; exclusions rarely make an exception for a one-off. If you want certainty, ask your insurer for written confirmation before the flight or have additional cover noted on the policy.
What if I fly without a valid licence?
Cover then lapses on virtually every policy, including a specialist aviation policy. Flying outside the conditions of your licence or outside the aircraft's permit counts as an excluded situation.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Hang gliding and your insuranceAir sports, hang gliding, standard exclusion
- Gliding and your insuranceAviation, glider, separate cover
- Hang gliding and your insuranceAir sports, hang gliding, separate cover
- Skysurfing and your insuranceAir sport, parachute, excluded
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Ski biking and your insuranceSeated device, unfamiliar term, notify in advance
Read more
Do you fly ultralight?
Have it established which policy covers your flight, your aircraft and your occupants.
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.