Air sport · flying yourself · separate policy

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

Deze pagina in het Nederlands: Ultralight vliegen 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

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

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.

Cover
Points to note
Premium
Frequently asked questions
Quote

What is covered in ultralight flying?

Three policies diverge here: travel, personal accident and the aviation policy for the aircraft.

Travel

The flight itself

Air sport falls outside ordinary travel and personal accident cover.

Scheduled flights are covered
Flying yourself is not
Nor are instruction flights

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

Yourself

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.

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.

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.

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.

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.

Within Reisverzekering

Service

Do you fly ultralight?

Have it established which policy covers your flight, your aircraft and your occupants.

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.

Ultralight flying and your insurance

In brief

What is covered in ultralight flying?

The flight itself

Liability and hull

Accidents and death

Where things go wrong in practice

The AVP covers nothing that happens with an aircraft

Mention your flying hobby when you apply and whenever things change

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

Within Reisverzekering

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Ultralight flying and your insurance

In brief

What is covered in ultralight flying?

The flight itself

Liability and hull

Accidents and death

Where things go wrong in practice

The AVP covers nothing that happens with an aircraft

Mention your flying hobby when you apply and whenever things change

What does your premium depend on?

How we arrange it

Frequently asked questions

Read more

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