We help in the preparation of aviation insurance. We offer the following aviation insurance:
Aircraft user’s liability insurance against third parties other than passengers.
Carrier’s liability insurance towards passengers and their luggage, mail and personal belongings
Aircraft insurance – AEROCASCO (Hull risks / Hull war risks), which covers damage caused during: standstill, take-off, landing, flight, during inspection, repair, and performing specialized operations. This might include insurance for spare parts under transport or maintenance.
Accident insurance for crew and passengers – pilots, crew members and passengers.
We work with brokers by mutual agreement of the parties. In order to protect the client and act in accordance with the Ethics. It is worth noting that the broker helps with the claims handling procedures – he represents his client (attorney), while the agent sells the product representing the insurer.
Insurance requirements for air carriers and aircraft operators
With the accession of the Republic of Poland to the European Union, the obligation to hold air liability insurance was regulated by REGULATION (EC) No. 785/2004 of the European Parliament and of the Council of April 21, 2004 on insurance requirements for air carriers and aircraft operators. On December 29, 2006, the Minister of Transport issued a regulation deregulating the above-mentioned Regulation on the minimum guaranteed sums with regard to the risk of liability of the aircraft user towards persons on board the aircraft other than crew members. Under this agreement, each user of an aircraft weighing more than 2,700 kg is required to conclude a passenger liability insurance agreement for an amount not lower than 250,000 SDRs. On the other hand, users of aircraft with MTOW below 2,700 kg – may conclude an insurance contract for the sum of 100,000 SDRs, provided that the aircraft performs non-commercial operations.
REGULATION OF THE MINISTER OF TRANSPORT of December 7, 2006 amending the regulation on the requirements for third party liability insurance of aircraft users, carriers and other entrepreneurs conducting aviation activity (Journal of Laws of December 22, 2006)
5) § 11 is replaced by the following: “§ 11. The minimum amount of liability insurance for an aircraft user performing non-commercial flights with an aircraft with a maximum mass not exceeding 2,700 kg for each individual passenger within one flight for one incident, the consequences of which are covered by insurance, is the PLN equivalent of 100,000 SDRs.” Currently, every aircraft user is required to have insurance cover against civil liability towards the passenger, which is an extension of the civil liability of the aircraft operator.
CIVIL LIABILITY INSURANCE
Covering the Assured’s Legal Liability to Third Parties resulting from Bodily Injury to Persons (including Passengers) and Damage to Property arising out of the Assured’s operation of aircraft, all as more fully defined in the Policy.
HULL RISKS / HULL WAR RISKS AVIATION INSURANCE (AEROCASCO)
With the accession of the Republic of Poland to the European Union, the obligation to hold air liability insurance was regulated by REGULATION (EC) No. 785/2004 of the European Parliament and of the Council of April 21, 2004 on insurance requirements for air carriers and aircraft operators. According to its regulations, AeroCasco belongs to voluntary aviation insurance. It is covering the Assured’s aircraft against Hull all Risks – Hull War Risks – Flight/Taxiing/Ingestion and Ground.
What is private use? Private use means the use of an aircraft for private and entertainment purposes, but NOT for business, professional or profit-making purposes.
What is commercial use? Commercial use means the use of an aircraft for private purposes and, at the same time, for business, professional, transportation (passengers, baggage, cargo) or commercial or rental purposes.
What is meant by “Acrobatics”? The term “Acrobatics” should be understood as maneuvers of the aircraft, which consist in the performance of aerobatic figures, not usually used in ordinary flights.
With which insurance company is aviation insurance concluded? Each of the aviation insurance is concluded with the company that will offer the best offer to our clients.
Who can buy the policy? Aviation insurance can be purchased by any owner or civil user of aircraft, being a natural or legal person.
What is the territorial scope of aviation insurance? Aviation insurance applies to flights within the territory of the Republic of Poland and / or Europe (excluding certain areas specified in the GTC – General Terms and Conditions of Insurance). The territorial scope should be indicated when filling in the calculation form.
For what period can an airline policy be purchased? Aviation insurance can be purchased for a period from 1 month to 12 months.
Can I pay for the insurance in installments? Yes, when purchasing annual insurance. Then you can pay for the insurance, depending on your choice, in two or four installments.
For what period of insurance is the Insurer responsible? From the date specified in the Insurer’s offer or indicated by the Policyholder, subject to the event that the Policyholder is late with the payment of the premium or the first installment. In such a case, the Insurer’s liability period begins on the day following the payment of the premium (or the first installment), unless the Policyholder has indicated a later date of liability commencement.
Is it possible to buy passenger liability insurance separately or only together with the operator’s liability insurance? Air carrier liability insurance is an extension of the aircraft operator’s liability insurance, therefore both types of insurance may only be purchased jointly.
Is a deductible taken into account? Yes, AeroCasco (hull risks) insurance includes a deductible.
What is the standard deductible in the case of AeroCasco (hull risks) insurance? Depends on the insurance and the negotiated amount of insurance.
Can the policy be terminated during its term? In special cases, such as the sale of the aircraft, taking the aircraft out of service – the policy may be terminated at any time. Then the insurer will have the right to keep part or all of the premium in accordance with the GENERAL TERMS.
How is “passenger” defined? A “passenger” is defined as a person who is on board an aircraft but is not a member of the crew. Cabin crew are also treated as crew.
Does the air carrier’s liability insurance cover passengers’ luggage? Yes, each insured passenger seat under the carrier’s liability insurance also includes luggage insurance. The sum insured for passengers’ luggage is SDR 1,131 / person.
When should a claim be reported? In the event of any event that may give rise to a claim under the policy, you must notify your Insurer or broker immediately.
Can I pay out any amounts on my own in the event of third party claims? No amounts may be paid out or any promises may be made to claimants without the written consent of the insurer.
How can I file a claim? In accordance with the GENERAL TERMS, or it is handled by the broker.
CREW PERSONAL ACCIDENT
Covering the Crew for Accident Death and Permanent Disablement and/or Loss whilst flying the Insured Aircraft or whilst entering into the Insured Aircraft for the purpose of flying or alighting from the Insured Aircraft following a flight.
What is the benefit of having accidental insurance of aircraft crew members? Accident insurance for aircraft crew members allows you to obtain compensation for crew members who suffer bodily injuries resulting in permanent health impairment or death as a result of an incident resulting from the use of the aircraft.
Is the sum insured in the accident insurance of the crew members the same in the case of permanent health impairment and death of the insured person? In the event of the death of the insured person as a result of an incident resulting from the use of the aircraft, compensation is paid in the amount of 50% of the sum insured. However, in other cases of permanent health impairment (specified in the GENERAL TERMS), the person is entitled to compensation in the amount of 100% of the sum insured.
Can I buy accident insurance for crew members separately? Accident insurance for crew members can only be purchased in conjunction with the aircraft operator’s liability insurance.
Spares – Covering All Risks of loss or damage to engines and other components, parts or spares, (including whilst in transit including /excluding marine transit) owned by the Assured or for which they are responsible, and including Engine test-cell running, against All Risks, War risks.
Liability insurance for entrepreneurs conducting aviation activity, i.e. manufacturers of aviation parts and accessories, ground handling services, etc.
Liability insurance for the performance of the profession of flight instructor – insurance of instructors as a flight instructor against claims from trainees due to improper performance of the profession.
Insurance of business activities not covered by aviation insurance – civil liability of the company towards third parties and employees (business liability and employer’s liability)
Insurance of business activities not covered by aviation insurance, civil liability of the company towards third parties and employees (business liability and employer’s liability)
Group life insurance for employees and co-workers and their families.
Property insurance (insurance of buildings, equipment, electronics, spare parts warehouse, etc.
Motor insurance (compulsory insurance OC, Autocasco, NNW, Assistance)
Insurance of document loss, cyber attack, insurance guarantees, receivables insurance and many other products.