Park or mountain route
- Forest ropes course or adventure park
- Cable on a climbing route
- Never a home-made structure
Zip lining and your insurance
Zip lining means sliding down a tensioned cable on a pulley. At a ropes course with fixed safety equipment, most insurers treat this as an ordinary recreational activity.
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- 9.5 customer rating for a new policy
- AFM licence 12016589
- 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
The assessment turns on the context. A zip line at a forest ropes course, holiday park or adventure park, with a harness and a continuous safety line, normally runs under your ordinary travel and personal accident cover. There is supervision, inspected equipment and a set briefing.
If the same cable hangs on a via ferrata or climbing route in the mountains, it becomes part of mountaineering and the familiar exclusion comes into play. A self-rigged cable between two trees is not an accepted activity under any policy.
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What is covered in zip lining?
Three questions determine cover: where the cable hangs, who runs it and how you are secured.
Harness, pulley and brake
Acceptance depends on your following the prescribed instructions.
- Continuous safety system
- Briefing from the staff
- Weight and age limits
Handling and recovery
If equipment fails, the operator is often the liable party.
- Emergency assistance centre in the event of injury
- Photographs of the installation
- Requesting the inspection records
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Zip line at a forest ropes course or adventure park | Yes | Yes |
| Medical expenses after a collision on landing | Yes | Yes |
| Zip line forming part of a climbing route in the mountains | No | Provided that |
| Self-rigged cable between trees | No | No |
| Zip lining without the prescribed equipment | No | No |
| Liability for damage to the installation | Provided that | Provided that |
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?
- Location of the course: park or high mountains
- Height and length: determines the risk of injury
- Destination: supervision differs from country to country
- Duration of the trip: a day out or a whole holiday
- Age of the participants: separate limits apply to children
- Sums insured: medical expenses and disability
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 who ultimately bears the loss.
In the mountains, zip lining shifts to the mountaineering exclusion
The standard list of exclusions names mountain sports, air sports, deep diving and speed competitions. A zip line in a park does not touch that list, but the same cable on a via ferrata or canyoning trip does. If you book a mountain package, ask for written confirmation in advance.
The operator is the keeper of the installation
If a cable snaps or a brake fails, the operator may be liable as the possessor of a structure under Article 6:174 of the Dutch Civil Code, alongside Article 6:162 of the Dutch Civil Code where maintenance has been poor. If you did not follow the instructions, your own fault is weighed against this.
Frequently asked questions
This is what people ask us most.
Is a forest ropes course covered on my travel insurance?
Usually it is. A ropes course with fixed safety equipment and supervision counts as a recreational activity, not as mountaineering. Note the park's age and weight limits; anyone outside them is acting against the instructions.
And a zip line in the mountains?
That may fall under mountaineering, particularly if it forms part of a via ferrata or canyoning trip. The mountaineering exclusion then applies and you need additional cover. Report the package in advance.
Who is liable if the cable gives way?
In principle the operator, as the possessor of the installation and as the manager responsible for its maintenance. Record the situation with photographs, request the inspection report and report the accident to your own insurer.
Am I insured on a home-made zip line?
No. A home-made structure without inspection falls outside every accepted activity, and if someone else is injured your liability insurer may argue that you acted carelessly. Do not do this.
Every situation is different. For these situations we have a separate page.
- Travel insurance with or without cancellation coverThe main page
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- Ski touring and your insuranceArtificial slope, site operator, liability
- Skeleton and your insuranceIce track, high speed, guest run
- Climbing and your insuranceMountain sport, klettersteig, rescue costs
- Fly by wire and your insuranceOn a steel cable, air sports, signing a waiver
- Ice hockey and your insuranceContact sport, competitive play, dental damage
- Hang gliding and your insuranceAir sports, hang gliding, standard exclusion
Read more
Planning to go zip lining?
Have it established in advance whether your course counts as a park activity or as mountaineering.
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.