Basic cover
- Luggage
- Assistance
- Liability while travelling
Travel insurance with winter sports
With virtually every travel insurance policy, winter sports form a separate module, and the line between covered and not covered runs literally along the edge of the piste.
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- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
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.
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 activities
- 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
An ordinary travel policy excludes winter sports as a special risk. Without the module, the costs of an accident on the piste are not covered: not the recovery from the slope, not the transport down to the valley and not the ambulance journey. Within Europe the medical costs themselves largely run through your health insurance. The travel policy tops up the part that is not covered there.
The expensive element is the recovery. A rescue by sledge, by the piste patrol or by helicopter is charged locally and is separate from the medical treatment. This is the main reason to take out the module, even for those who rarely fall.
The module also covers the unused ski pass, lessons and hire equipment on a pro rata basis after an injury, and your own equipment against theft or breakage. Keep receipts and ask for a medical statement locally. Compare the set-up with continuous travel insurance or single-trip travel insurance for a single week.
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What does travel insurance with winter sports cover?
The structure of the cover in three parts, with an overview per situation below.
Modules
What you add per trip.
- Medical expenses
- Winter sports
- Special sports
Cancellation
The cost of not going.
- Illness or accident
- A death in the family
- A fixed list of events
What is covered
| Situation | Basic | With winter sports module |
|---|---|---|
| Theft of luggage from a locked space | Provided that | Provided that |
| Repatriation after an accident | Yes | Yes |
| Medical expenses abroad | Provided that | Provided that |
| Damage to or theft of hired ski equipment | No | Yes |
| An accident while skiing off-piste | No | Provided that |
| A trip to an area with a negative travel advisory | No | No |
Travel insurance reimburses medical expenses as a supplement to your health insurance, not as a replacement for it. Winter sports and special sports are excluded as standard and require a separate module. A negative travel advisory from the Ministry of Foreign Affairs generally excludes cover for that area; report a claim as soon as reasonably possible (7:941 DCC).
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Continuous or single-trip. A continuous policy with a winter sports module is priced per year. A single-trip policy by the length of the trip.
- Number of winter sports days per year. Some insurers limit the number of covered days per insurance year.
- Household composition. The number of people insured and the age of the participants both count.
- Area of cover. Europe or worldwide; destinations outside Europe mainly increase the repatriation costs.
- Equipment included. Your own skis, board, boots and helmet are declared as luggage with their own limit.
- Chosen additions. Accident cover, medical costs and separate cancellation cover are added on top.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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
Four points that make the difference between a policy that pays out and one that does not.
Off-piste is the sharpest line in the policy
The module covers skiing and snowboarding on marked, open pistes. As soon as you go outside the markers, most insurers apply an exclusion, unless you are accompanied by a qualified guide or instructor. A closed piste or an area under an avalanche warning also falls outside it. That applies not only to the recovery, but to the whole claim.
Competitions and speed events are excluded
Taking part in competitions, training for them and speed runs is excluded as standard, even in an amateur race organised by the ski school or a club championship. The same often applies to freestyle in a snow park with jumps and rails, and to heliskiing and ski touring with skins. If you want to do those, you need cover for special sports; that is separate from the ordinary winter sports module.
Recovery and repatriation are two separate items
The recovery brings you from the slope down to the valley; repatriation brings you back to the Netherlands by suitable transport. Both are usually in the module, but with their own limits. Always call the emergency assistance centre first: transport you arrange yourself without permission is regularly not paid, or paid only in part, even if the costs were reasonable.
Your own liability on the piste
If you run into another skier, your liability is assessed under Article 6:162 of the Dutch Civil Code, with the international rules of conduct for skiers weighing heavily. This is not part of the travel insurance but of your personal liability insurance (AVP). Check whether it applies worldwide or at least in the country where you are skiing, and what sum insured applies there per event.
Frequently asked questions
This is what people ask us most.
Is off-piste skiing insured?
With most insurers only under the supervision of a qualified guide or ski instructor. If you go off the marked piste on your own, an exclusion applies that covers the whole claim: recovery, treatment and repatriation. On a closed piste or under an avalanche warning there is hardly any policy that provides cover, not even with supervision.
Do I still need health insurance alongside this?
Yes. Within Europe your basic health insurance pays the medical costs up to the rate customary in the Netherlands. The winter sports module tops up the difference and pays for the items that health insurance does not recognise, such as recovery from the piste and suitable transport home. Take your European health insurance card and your policy number with you.
Do I get my ski pass refunded after an injury?
Usually yes, pro rata for the unused days, together with lessons and hire equipment. The condition is a medical statement from a local doctor and the original receipts. Without those documents it cannot be established afterwards from which day you were unable to ski, and the item is rejected.
Does the module cover damage I cause to someone else?
No. If you collide with another skier, that is a liability matter and it runs through your personal liability insurance (AVP). Check before departure whether that policy is valid in the country where you are skiing and what sum insured applies; injury on the piste can lead to substantial claims, certainly where the injury is permanent.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
- Continuous travel insurance through ASR
- Mogul skiing and your insuranceMogul piste, knee injury, competition exclusion
- Cross-country skiing and your insuranceTrails, backcountry touring, module
- Monoskiing and your insuranceOne ski, on the piste, winter sports module
- Off-piste skiing and snowboarding and your insuranceOff the piste, avalanche risk, rescue costs
- Deep-powder skiing and your insuranceDeep snow, beside the piste, avalanche risk
- All about the cover provided by travel insuranceLuggage, medical expenses, repatriation
Read more
Within Reisverzekering
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Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
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. Last updated on .
The information on this page is general in nature and is not personal advice.