What is Aviation Insurance?
Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as limits and clauses specific to aviation insurance.
What’s covered
Aviation insurance is divided into several types of insurance coverage available.- Public liability insurance – This coverage, often referred to as third party liability covers aircraft owners for damage that their aircraft does to third party property, such as houses, cars, crops, airport facilities and other aircraft struck in a collision.
- Passenger liability insurance – Passenger liability protects passengers riding in the accident aircraft, which are injured or deceased.
- In-flight insurance – In-flight coverage protects an insured aircraft against damage during all phases of flight and ground operation, including while parked or stored.
What’s not covered
- Any person who flies the plane without meeting the minimum qualifications and also one that is not authorised by the Insured.
- Impaired Flyers – Some aviation policies won’t pay for bodily injury or property damage due to losses in which the pilot was under the influence of a controlled substance.
- “Breach of Warranty” – An insurer may refuse to pay a claim if a policy’s provisions were violated, perhaps because the pilot was intoxicated or otherwise unqualified according to the policy.
- Damage Depreciation – If another party damaged your plane and has insurance, that insurance company is obligated to compensate you for all losses due to damage depreciation. Unfortunately, your own insurer is not under the same obligation to compensate you for damage depreciation.
- Lost use – Obviously, if your plane is being repaired, you won’t be able to fly it. Some companies offer a provision called “Extra Expense for Substitute Aircraft.” This coverage is not designed to pay all expenses due to loss of use, but it can help offset some of the financial impact.
What’s optional
- Political Violence and Terrorism: Cover against political violence and terrorism
Other types of insurance cover

All Risks Insurance
The widest cover for properties against loss or damage caused by any accident or misfortune ………….
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Buglary Insurance
Provides compensation when a property suffers loss caused by theft when accompanied by forcible breaking into.
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Electronic Equipment Insurance
Cover your property against loss or damage caused by any accident or misfortune
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FAQ's
How do I cover items that I take away from the home?
What is accidental damage cover?
Are items in my garage or shed covered?
I live in rental accommodation. Do I still need insurance?
What is an excess?
Tips
- Ensure you declare a list of items to be insured under contents insurance including serial numbers, model, make and have the correct sum insured
- Always keep valuables safely and locked out of site to protect against the risk of theft