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Aviation Insurance
Aviation Insurance
Aviation insurance is a coverage geared specifically to the operation of aircraft and the risks associated with aviation. The policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to aviation.
The following are some forms of aviation insurance:
Aircrew Personal Accident
This covers the Airline Operator for his liability to his aircrew employees arising from death or bodily injury sustained in the course of employment. This includes Pilots, Flight Engineers and Cabin Staff.
Aviation Hull All Risks & Liabilities
The Policy covers physical loss or damage to the following:
- Aircraft owned or operated or leased to the insured.
- Passengers Liability in respect of death or bodily injury.
- Death or Bodily Injury to third parties not being carried in the aircraft.
- Loss or Damage to third party property.
Aviation Hull Deductible
At an additional premium, this policy allows the insured (Airline Operators) to purchase protection for the deductible imposed under the Hull All Risks Policy. The Deductible is a stated amount or a percentage of a claim amount for which the insured will be responsible in the event of a claim.
Aviation Hull War Risks
War / Hijacking risks are excluded under the Aviation Hull All Risks cover. However, this policy provides cover for the above exclusion at an additional premium. There must have been in force an Aviation Hull All Risks Policy to enable you take out this policy.
Hanger-Keepers Legal Liability (Aviation)
The airport operator may act as bailee for aircraft parked over-night or for longer period. The hanger-keepers have liability for loss of or damage of the aircraft whilst it is in their care, custody or control.
Loss of Flying License
This policy protects the pilot’s loss of earnings as a result of illness or accidental bodily injury, which renders him incapable of working or functioning as a pilot. This policy can be effected by an airline operator on behalf of its pilot(s) or be effected by the pilot personally.
Premises Legal Liability (Aviation)
This policy protects the insured against claims arising out of the use of his premises by third parties or passengers. This may include liability arising out of faulty elevators or escalators; liability arising out of contractor’s works, shops, restaurants and newsagents are also covered if necessary.
Products Legal Liability (Aviation)
Aircraft serviced or repaired on the premises or fuel sold, supplied or provided by the airport operator may lead to claims. The Policy may be extended to cover control tower liability.
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Personal Accident
An accidental or Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Personal Accident Insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens
Scope of cover:
- Death
- Permanent Disability
- Temporary Total Disability
- Medical Expenses
You may also choose to add on the following extensions to your policy:
- Exposure – to elements, starvation and/or thirst
- Disappearance
- Burns Disfigurement
- Life support system (not less than 3 consecutive days)