Difficulty class
- Flat water normally covered
- Grade III and above separately
- High water after rain
Moving water · grade · rescue
Whitewater kayaking is paddling on moving water with rapids. Where your cover stops depends on the grade of the water and on the supervision.
Deze pagina in het Nederlands: Wildwaterkanoën 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.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
Paddling on flat water appears in the exclusions of virtually no policy. With moving water that changes: many insurers draw a line at the grade of the river and exclude everything from grade III or IV upwards, or treat it as a high-risk sport for which you have to request cover.
The risk is not in the capsize itself, but in what happens next: entrapment under a fallen tree, stoppers and siphons, and a bank no ambulance can reach. A rescue on the river often calls for a specialist team or a helicopter. Those costs are the reason insurers are cautious.
Three things determine your cover: the water, the supervision and your equipment.
For many insurers the grade of the river is the hard limit.
With a recognised organisation more insurers accept the trip.
A craft falls outside the baggage cover of travel insurance.
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Paddling on flat water or a calm river | Yes | Yes |
| An organised rafting trip with a guide | Provided that | Yes |
| Whitewater from grade III in your own group | No | Provided that |
| Search and rescue costs along the river | No | Yes |
| A timed descent or taking part in a competition | No | Provided that |
| Damage to or loss of the kayak | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Two points on which claims founder after a capsize.
In addition to mountain sports, air sports, deep diving and speed competitions many policies name whitewater sport with a grade limit. If you paddle above that grade, or the water rises to a higher grade after rain, the cover is gone. Submit the planned route and grade in advance.
take out travel policies craft from the baggage cover. You insure the boat and paddle separately. For liability, the craft clause of the AVP applies, and kayaks are usually included in it. If you hit someone, the insurer assesses that under Article 6:162 of the Dutch Civil Code.
Insurers weigh these details differently. That is where your saving is.
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.
This is what people ask us most.
That differs from insurer to insurer. Many policies draw the line at grade III or IV, or exclude whitewater sport altogether without naming a grade. Look at the exclusions and, if in doubt, ask for written confirmation before the trip.
Often it is, where it involves a commercial trip with a guide, a helmet and a buoyancy aid on a standard route. Paddling independently on the same water is assessed more strictly. Report the trip in advance if the conditions mention whitewater.
Only if search and rescue costs are in your policy and the sport is not excluded. A recovery in a gorge or a remote valley may call for a specialist team. Always call the emergency assistance centre first for a guarantee of payment.
Not on travel insurance; craft fall outside the baggage cover. Theft from the roof of the car or breakage in a rapid is insured through a separate equipment or pleasure craft policy. Wear and tear remains excluded.
Tell us the river and the grade. We will find out which insurer accepts it.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
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 .
The information on this page is general in nature and is not personal advice.
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