Insurance Products
Aircraft and Aviation Insurance
Aviation insurance covers aircraft, helicopter, glider and unmanned aerial vehicle operations through hull damage, passenger liability and third party liability protection.
At a glance
- Status
- Optional
- Core cover
- 5 sections
- Quote turnaround
- Same business day
Aviation carries the highest coverage limits of any insurance class. Hull cover protects the aircraft itself across ground risk, taxiing, take-off, cruise and landing phases. Liability cover addresses damage to passengers, ground personnel and third parties, subject to minimum limits set by international conventions.
The civil aviation authority mandates minimum insurance limits for all commercial operators. Flight schools, air taxi operators and aerial spraying operations require additional cover reflecting their specific risk profiles. Pilot experience and logged flight hours are decisive underwriting criteria.
As commercial drone use expands rapidly, third party liability insurance for unmanned aircraft has become a standard requirement. For operators conducting mapping, filming, agricultural spraying and infrastructure inspection, we structure hull and liability cover together.
What Is Covered
- Hull cover
- Covers physical damage and total loss of the aircraft on the ground and in flight.
- Passenger liability
- Covers claims arising from passenger death, injury and baggage loss.
- Third party liability
- Covers liability for damage caused to persons and property on the ground.
- War and terrorism (hull war)
- Provides cover for war, terrorism and hijacking risks under a separate section.
- Drone liability
- Covers damage caused by unmanned aerial vehicles to third parties.
Who Is It For?
- Aircraft owners and operators
- Flight schools and general aviation clubs
- Air taxi, air ambulance and agricultural spraying operators
- Commercial drone operators and aerial filming companies
What Is Not Covered
- Flights made while the airworthiness certificate is invalid
- Operation by pilots not named or qualified under the policy
- Operations outside the declared geographic limits
- Wear, mechanical fatigue and maintenance-related failures
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Aircraft type, value and year of manufacture
- Annual flight hours and type of operation
- Pilot experience: total and on-type hours
- Requested liability coverage limit
Frequently Asked Questions
Is drone insurance mandatory?
Third party liability cover is required for commercial drone operations, and many organisations request it as a tender condition.
Which pilots are covered?
Only pilots named or qualified as defined in the policy. Any change of pilot must be notified.
Is ground risk included?
Hull cover can generally be arranged to include hangar and taxiing ground risks.
How are liability limits determined?
International conventions and civil aviation authority minimums set the floor; limits are raised according to the type of operation.