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Aviation Insurance
Insurance made plain and simple
Private Aircraft Insurance
Aviation insurance is a type of insurance that protects aircraft owners and operators from financial losses caused by accidents, damage, or liability.
It can cover a wide range of risks, including: Physical damage to the aircraft, Pilot excess, Liability for injuries or property damage caused by Aviation insurance is essential for any aircraft owner or operator, regardless of the size or type of aircraft. It can provide peace of mind knowing that you are protected in the event of an accident.
What would an
Aviation Policy look like?
Hull All Riks / Ground Riks
To cover the structure of the aircraft against damage whilst inflight, taxiing and/or on the ground, including foreign object Ingestion - Subject to maximum agreed value as stated in the schedule.
Legal Liability
Legal Liability (Third Party and Passenger) - Combined Single Limit (CSL): The Insured’s Legal Liability to third parties and/or passengers arising out of the ownership or ownership of aircraft.
War and Allied Perils
To cover the aircraft against war and allied perils. (Excluding confiscation by government of registry including confiscation by foreign government). Extortion Expenses- Included.
Deductible / Owner Excess
Insuring the Applicable Hull deductible /Owners Excess down, Subject to reinstatement after each and every loss.
Why you need an
MBFS Aviation Insurance Broker
01
Expertise and Market Access
Aviation insurance is complex and has unique risks compared to other industries. Our brokers specialise in this area, understanding the intricacies of different aircraft types, operations, and regulations. They can tailor cover to your specific needs and navigate industry nuances. Our brokers have access to a wider range of insurance companies and underwriters than you might on your own. This allows them to compare options, negotiate better rates, and find unique covers you might not have discovered
02
Risk Management and Claims Support
Our brokers can help identify and assess potential risks your aviation operation faces. They can then suggest strategies to mitigate those risks, potentially lowering your insurance premiums and improving safety. In the unfortunate event of a claim, our broker becomes your advocate. They can help navigate the claims process, ensure proper documentation, and negotiate with insurers to maximise your settlement.
03
Personalised Service
Our brokers don't just sell generic policies. They work with you to understand your specific needs and craft a customized insurance plan that fits your budget and risk profile.
04
Long-Term Relationship and Advocacy
Our brokers focus on a long-term relationship with you, not just a one-time sale. They stay informed about your evolving needs and adapt your cover accordingly.
What are the benefits
of having aviation insurance
Reputation
Aviation insurance can help protect your reputation in the event of an accident. If your aircraft is involved in an accident and you are not insured, you could be held personally liable for the damages. This could damage your reputation and make it difficult to get insurance in the future.
Compliance
In many cases, aviation insurance is required by law. For example, most countries require commercial airlines to have insurance. Having insurance can help you comply with these regulations and avoid penalties.
Peace of Mind
Knowing that your aircraft is insured can give you peace of mind. This is especially important if you use your aircraft for business or personal transportation. In the event of an accident, you will be able to focus on getting your life back to normal, knowing that your financial losses are covered.
Financial protection
Aviation insurance can protect you from financial losses in the event of an accident. This includes damage to the aircraft, cargo, and passengers. It can also cover legal fees and other expenses.
Frequently Asked Questions
What types of aviation insurance do we place?
For how much must I insure my aircraft / Helicopter?
Make sure to chat to your AMO or get an industry aircraft valuation on the value of your aircraft or helicopter. The rate of exchange fluctuations can change the value of your machine. Alternately, insure in dollars!
How much Liability cover do I need?
In current times it is nearly impossible to cap your liability exposure and we would highly recommend that you choose as much Liability Cover as you can afford. The purpose of usage of the aircraft, number of passengers, the environment of operation, as well as legal minimum requirements should be considered when purchasing liability cover.
Can I fly to anywhere?
Specify your policy
Your policy has very specific provisions regarding the geographical limits you can fly within, the scenarios in which the aircraft can be used for, as well as the pilots that are permitted to fly the aircraft. Ensure these meet your needs and that you can operate within the requirements.
How can I reduce my Hull deductible/ Excess?
We offer Pilot Excess cover to pilots up to R100,000 - Rotorwing and Fixed Wing
Do you have cover for pilots in the event of death or unable to work due to sickness or injury?
Yes, we offer Pilot Insurance Cover
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