Types of Aviation Insurance That Should Interest GA Pilots

As a result of the ever changing and growing technology in the aviation industry, it is a difficult industry to work in. Nothing is more disheartening than learning that your insurance coverage is insufficient to cover the damages suffered by your company after a claim has been filed against it.

Insurance brokers with knowledge of current aviation industry trends and challenges, as well as the capacity to cover the most essential aspects of your company’s operations, are available, as is the case with many other types of insurance.

The insurance and risk management options available to you may be adapted to your unique requirements whether you run a single jet or a large fleet of aircraft.

Types of airplane insurance that are commonly found and Liability insurance for airplanes

Public liability insurance as well as passenger liability insurance are typically included in this sort of insurance coverage. Public liability insurance provides coverage for personal injury or property damage caused by a third party. The plane itself, as well as any items on board, will not be covered by this insurance policy, however. Passengers are covered by passenger liability insurance in the event that they are injured or killed while traveling.

A liability insurance policy covering both public liability and passenger liability is needed for any aircraft owner who has an aircraft registered in Australia or who has an aircraft registered to operate in Australia. Your take-off weight, the number of passengers on board, and other criteria outlined in the Australian Aviation Regulations determine whether or not you are required to have a bare minimum amount of liability insurance coverage. When you are on the flight deck, you must have your proof of insurance with you at all times.

Ground risk hull insurance policy (not in motion)

When an aircraft is on the ground but not in action, this policy protects it against physical harm caused by other aircrafts. Your aircraft is protected against hazards such as harsh weather, natural catastrophes, criminal activity or vandalism. Because the term “not in motion” refers to an aircraft that is truly at rest, this form of aircraft hull insurance does not cover aircraft that are in flight, taxiing, parking, or being towed.

Ground risk hull insurance policy (in motion)

Physical damage coverage is provided for the aircraft while it is in flight, while being driven to and from the airport, while being towed, and while parked on the ground (if applicable). As previously indicated, it also includes the “not in motion” coverage, which guarantees that your aircraft is covered against extra risks such as theft or fire as well as hail or windstorms while not in motion.


In addition, aviation insurance can provide coverage for a wide range of extra expenses, including no-claims bonuses, covering for cargo or passenger belongings, loss of use, and a lot of other things, depending on the endorsements selected. When you obtain a quote for your insurance coverage, your broker can assist you in determining which endorsements are necessary for your particular aircraft.

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