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Specialist helicopter risk management and insurance
Today, we have clients operating in hazardous territories around the world, undertaking a range of missions which include UN humanitarian relief work, infrastructure projects, natural resource exploration and extraction, security, Medevac, and governmental helicopter operations.
We have extensive experience arranging rotor wing insurance for private helicopter owners, commercial helicopter operators, flight training schools, air ambulance services, police and other governmental agencies.
Helicopter liability insurance
Helicopter liability insurance provides cover against loss, damage or injury to third parties, including passengers, cargo, mail and baggage. Although different insurers may offer slightly different policy limits and definitions, they do not always provide cover for the pilot in command of a helicopter aircraft or the helicopter itself. The pilot must carry evidence of this insurance onboard the aircraft at all times.
It is a legal requirement in many countries worldwide to have a minimum amount of liability insurance. Please refer to your local country of domicile to check these limits.
For helicopter owners and operators in the UK the UK CAA website provides information on minimum limits. Visit www.caa.co.uk/g-info. For EU based owners and operators, the EU legislation is set out in Regulation EC785/2004.
Helicopter hull insurance
A helicopter hull insurance policy indemnifies you against a loss or damage to your aircraft.
Helicopter hull insurance policies are generally arranged on an agreed value basis, where the value of the aircraft is agreed upon in advance. In the event of a total loss, insurers pay out the agreed value rather than the current market value.
It is important to set a realistic agreed value sum insured. If you choose a value below the actual value of the helicopter, at the time of a loss, an insurer may decide to declare the loss uneconomical to repair and pay the claim based on the agreed value. This payment may not fairly reflect the cost of replacement. However, if you overvalue your aircraft, insurers may elect, when you suffer a significant loss, to repair the helicopter rather than write it off, even if you wish to have the helicopter declared a total loss.
If you need to discuss a claim with us please call us on 0800 612 2258.