Faq

Aviation insurance covers against loss or claims, such as damage to aircraft, property damage, and personal injury that result from the ownership, maintenance or use of aircraft, hangars or airports. Insurance brokers can also cover you for associated industry risks, such as refuelling.

Aviation insurance is typically required for aircraft owners and operators by aviation regulators, such as the Civil Aviation Safety Authority (CASA). It’s a type of insurance coverage that provides financial protection against the risks associated with:

Owning aircraft
Operating aircraft
Flying aircraft

This is a specialised form of insurance designed to address the unique risks associated with aviation and to protect against the high costs associated with aviation accidents and incidents. 

When you discuss your aviation insurance with us, you can consider coverage for a variety of risks, including:

Liability: Aviation insurance can provide coverage for claims arising from bodily injury or property damage caused by an aircraft. This can include coverage for both passengers and third-party individuals or property.
Hull damage: This insurance can provide coverage for damage to the aircraft itself, including damage caused by accidents, fire, theft, and vandalism.
Personal injury: You can get coverage for claims arising from personal injury to the pilot or other individuals, including loss of income and medical expenses.
War and terrorism: Relevant to the current global political environment, you can be covered for risks associated with war and terrorism, including damage to aircraft and liability claims arising from acts of terrorism.
Loss of use: Aviation insurance can provide coverage for loss of use of the aircraft, including the cost of renting a replacement airplane or the loss of income due to the inability to use the asset.

Talk to us and we will ensure your aviation insurance policy is tailored to meet your specific needs as owner or operator. Our policies are relevant to a variety of aircraft, so whether you own small private planes, commercial airliners, helicopters, or corporate jets, it’s worth speaking to our team.

Coverage may vary based on the intended use of the aircraft, such as personal, commercial or charter operations. Our experts’ industry knowledge will ensure you get the best deal that gives you peace of mind.

Once obtained, aviation insurance can cover you for liability and property coverage for aircraft. The type of policy you need can be assessed by an expert aviation insurance broker who can assist in the placement of your aviation and associated aviation risks

Aviation insurance works similar to other forms of insurance, providing financial protection against potential losses associated with operating or owning an aircraft. Here’s the general steps in the process:

You as an aircraft owner or operator purchases aviation insurance
The covered party pays a premium to the insurance provider in exchange for coverage against a range of potential risks
When an incident or accident occurs, you engage with a claims management team
The insurance provider will pay out a claim to cover costs associated with the incident

Our team works hard to assist clients in getting the best possible outcomes.

Note the following:

The incident must be within the scope of the policy
Payments will be up to the limit described in the policy
Owners or operators must provide proof of incidents they claim for

Coverage varies based on the policy you pick, and our industry experts will help you obtain coverage relevant to your needs. Usually, policies include:

Liability coverage: Protection against claims for bodily injury or property damage caused by an aircraft.
Hull coverage: Cover for damage to the aircraft itself, including damage caused by accidents, fire, theft, and vandalism.
Personal injury coverage: Offering protection against claims for personal injury to the pilot or other individuals, including loss of income and medical expenses.

Factors that determine what your ideal policy entails range from aircraft type to intended use and the level of coverage you prefer. This will of course also affect the cost.

The cost of aviation insurance can vary significantly depending on multiple factors:

Type of aircraft, with smaller aircraft often having lower insurance premiums than large, complex planes
Intended use of the aircraft
Pilot’s experience and training
Level of coverage required
Location of the aircraft
Insurance provider used

With so many factors, your premium can fall anywhere between a few hundred to a few thousand dollars annually. For larger craft and commercial use, the costs can even be as high as thousands of dollars per year.

However, don’t make cost your only consideration when picking insurance policies and insurance providers. In this niche, quality cover is essential to protect you in the long term. Also, working with a provider who understands the industry will go a long way in making your policy work to your benefit.

To help you benefit optimally and get the best possible insurance cover, at a fair cost, work with a team of experts in the field who will understand your business. Our experts have 40+ years of aviation insurance knowledge and experience, benefiting our clients who need this unique type of cover.

The owner of the aircraft must have insurance. Individuals or companies that charter flights (but do not own the aircraft) may require non-owner insurance to cover them for any liability in the event of an accident. An expert aviation insurance broker can clarify what type of coverage you require to fly a plane.

An aviation insurance policy can cover an individual private aeroplane owner to major Corporate Charter operators. The policies typically cover liability and property coverage for aircraft and can also accommodate associated industry risks including flight training, engineers, refuelling, aircraft push back and cleaning.

Your aviation insurance policy can provide cover for risks associated with aircraft and aviation-related activities, but the exact cover depends on policy details. Coverage types you can discuss with Butler Aviation to include in your customised policy include:

Hull insurance: Damage to the aircraft itself, including collision, theft, and vandalism.

Liability insurance: Damages and injuries that the aircraft may cause to others, such as passengers, other aircraft, or people and property on the ground.
Personal accident insurance: Coverage for injuries or death of passengers and crew members in the event of an accident.
War risk insurance: Damages and losses that occur due to war, terrorism, or other hostile acts.
Cargo insurance: Loss or damage to cargo being transported by the aircraft.
Ground risk insurance: Damage to the aircraft while it’s on the ground, such as during maintenance or while parked.

At Butler Aviation our satisfied clients include owners but also corporate operators. Apart from the general cover listed above, talk to us about unique scenarios such as flight training or refuelling and other associated industry risks.

Our experts with 4 decades of experience will answer all your questions and help you pick a policy that suits your needs.