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Aircraft Types
    • Hull All Risks & Hull Ground Risks

Coverage on an all risks whilst being taxied, ground handled or in flight except where specifically excluded, less any applicable deductible and/or betterment. Exclusions include illegal use of an aircraft; using an aircraft for purposes other than that described in the policy; wear and tear; piloting the aircraft by someone not named in the policy; operating an aircraft outside stipulated geographical boundaries; and damage or destruction of an aircraft resulting from war, riots, strikes, and civil commotions, mechanical breakdown loss, structural failure loss, war and allied perils, engine breakdown and conversion. The hull value includes instruments, radios, autopilots, wings, engines, and other equipment attached to or carried on the plane as described in the policy.

    • Hull War & Allied Perils

The aircraft hull “War and Allied Perils” policy will cover the aircraft on an “Agreed Value” basis against physical loss or damage to the aircraft effected by any of these perils. Covers loss or damage to the Aircraft, which is specifically excluded under the Hull All Risks policy by virtue of the War Risks Exclusion Clause. Risks covered include war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, martial law, military or usurped power or attempts at usurpation of power, strikes, riots, civil commotions or labour disturbances, political or terrorist acts, malicious acts, sabotage, confiscation, nationalization, seizure, restraint, detention, appropriation, requisition for title or use by or under the order of any Government (whether civil military or de facto) or public or local authority and hi-jacking. Furthermore, the War Risks policy extends to include the coverage suspended under the Hull All Risks policy, arising whilst the Aircraft is outside the control of the Insured by reason of any of the above perils.

    • Hull Deductible / Owners Excess

This policy supplements your existing Hull “All Risks” Insurance policy by covering your aircraft for amounts to be deducted from each and every claim by way of deductibles applicable in respect of loss or damage, (other than total loss, arranged total loss, or constructive total Loss). This policy will pay up to the difference between the deductibles under the Hull “All Risks” Insurance Policy for each and every loss and the excess under this policy be in each and every loss. This policy does not cover loss or damage due and confined to wear and tear, deterioration, freezing, mechanical, structural, or electrical breakdown or failure, howsoever caused, whether by human act or omission, or otherwise, unless such loss or damage results directly from other loss or damage covered by this Policy. This policy also does not cover loss of or damage to turbine engines or turbine engine accessories, (or, if resulting therefrom, to other parts of the Aircraft within the engine casing) unless such loss or damage is caused:

  1. By fire or explosion that originates outside of the engine casing;
  2. by ingestion of any foreign object or objects through the main air intake, subject to the provisions and exclusions.
  3. by any other force external to the aircraft.
    • Loss of Licence

Is a benefit which is payable to the Insured in the event of the Insured having lost his/her licence/licences due to long term unfitness assessment being issued by the Licence Issuing Authority during the policy period or within 12 months after the expiry of the policy as a result of:

  1. Personal injuries or illness caused by an accident.
  2. Any illness other than illness as above, which is caused as a result of the following:
  3. Influence of alcohol, drugs or narcotics
  4. Incapable of diagnosis
  5. Any illness other than the above

Payment is subject to the insured not applying to have the Licence/Licences restored within 36 months from the date of the settlement of the claim, unless agreed by insurers. The insured may have to pay the insurers a pro-rata proportion of the benefit if the licence is restored within 18 months from the date of settlement of the claim.

    • Legal Liability

Liability Insurance provides protection to the Insured for bodily injury/property damage to passengers and third parties for which they may be found to be legally liable. Coverage can be extended to include the Insured legal liability for cargo, freight and mail.

    • Loss of Use

This policy insures against the Insured’s inability to utilise any of the Scheduled Aircraft as a direct result of accidental damage arising from a peril insured under the relevant Hull All Risks policy covering the aircraft. Coverage may be extended, at an additional cost, to include loss consequent upon war and allied perils or engine breakdown. Specifically, the Loss of Use coverage will indemnify the Insured up to the benefits set out in the Scale of Compensation in respect of loss of revenue and/or reimbursement of costs of operating and/or costs of fulfilling obligations under contracts between the Insured and such other Third Parties for which the Insured Aircraft are committed.

    • Personal Accident

Personal Accident is a benefit which is payable to the Insured/insured beneficiary in the event of the Insured suffering Bodily Injury as a result of an accident caused by violent, accidental, external and visible means.

There are two types of cover: –

  1. Flight risks only
  2. 24 hour cover

There are four levels of cover: –

  1. Death which is payable in a lump sum according to the sum insured.
  2. Permanent Total Disability (PTD) which is a lump sum payable in percentages of the sum insured, depending on the disability suffered (as per the table).
  3. Temporary Total Disability (TTD) which is a weekly benefit payable as long as the disability exists but not exceeding the specified number of consecutive weeks and has an excess period.
  4. Medical Expenses (Medex) which is a limited amount payable in the event of a claim less the excess payable.
    • Total Loss Policy

Provides for the payment of a pre-agreed sum only in the event of a claim under the Hull All Risks policy being settled on the basis of an actual Total Loss (TL) or Constructive Total Loss (CTL). It does not apply if the basis of the settlement is a partial loss, cash in lieu of repairs or an Arranged Total Loss (ATL), where it is agreed that the Hull claims will be settled on the basis of a total loss when, in fact, a TL/CTL has not occurred. The intention of this coverage is to provide some protection for the costs incurred in the event of a total loss, including finance settlement shortfalls incurred as a consequence of the strengthening of the SA Rand over the past few years, where the capital amount outstanding may be significantly more than the actual current market value of the Aircraft.

    • Non-Ownership Legal Liability

This liability insurance is available to Charter Operators who operate aircraft that are not owned by them. In terms of the Air Services Licensing Act there are minimum levels of liability required to be insured in respect of flights for reward. In terms of Section 11 of the Aviation Act the registered Owner of the Aircraft or the Charter Operator if they have been operating the aircraft for 14 days or more, is absolutely liable (no proof of negligence) in respect of loss or damage caused to persons or property on the ground. Whilst it is market practice for the owner of the aircraft to take out the required Liability insurance, in some instances, the owner will insist that the charter company is responsible for the extra liability limit required in terms of the law.

    • Aerodrome Owners & Operators Legal Liability

This liability insurance is available to Charter Operators who operate aircraft that are not owned by them. In terms of the Air Services Licensing Act there are minimum levels of liability required to be insured in respect of flights for reward. In terms of Section 11 of the Aviation Act the registered Owner of the Aircraft or the Charter Operator if they have been operating the aircraft for 14 days or more, is absolutely liable (no proof of negligence) in respect of loss or damage caused to persons or property on the ground. Whilst it is market practice for the owner of the aircraft to take out the required Liability insurance, in some instances, the owner will insist that the charter company is responsible for the extra liability limit required in terms of the law.

    • Engine Breakdown Insurance

Engine breakdown coverage as a result of mechanical breakdown or pilot induced damage to the engine is not covered under the Hull All Risks policy which is restricted to loss or damaged caused by theft, lightning, flood, outbreak of fire external to the engine and sudden and unexpected impact with a foreign object (FOD) requiring immediate withdrawal of the engine.  This product will provide the owner coverage for mechanical failure or damage induced by pilot action.

  • Remotely piloted aircraft

Our extensive experience in Aviation and Insurance empowers us to support your individual Aviation and Related Insurance and now includes REMOTE PILOTED AIRCRAFT SYSTEMS (RPAS)

“Remotely piloted aircraft” (RPAS) means an unmanned aircraft which is piloted from a remote pilot station, excluding model aircraft and toy aircraft. “Toy aircraft” means a product falling under the definition of aircraft which is designed or intended for use in play by children. “Model aircraft” means a non-human-carrying aircraft capable of sustained flight in the atmosphere and used exclusively for air display, recreational use, sport or competitions. Acceptable uses of RPAS

For private use – (a) The RPAS may only be used for an individual’s personal and private purposes where there is no commercial outcome, interest or gain; (b) The pilot must observe all statutory requirements relating to liability, privacy and any other laws enforceable by any other authorities. For all other use – (a) an RPA must be registered and may only be operated in terms of Part 101 of the South African Civil Aviation Regulations.

  • Maintenance Repair Organisation Insurance