It’s true that many lay people consider that aviation insurance is about plane crashes, when in reality it is far more about what happens on the ground. Plane crashes are, of course, dreadful and always make headline news. However, the fact is that statistically you are more likely to be hit by a bus when crossing the road than involved in a plane crash. (Everyone involved in commercial aviation is well aware of this fact). However, the need for aviation insurance is paramount, and the much more likely risk problems have to do with colliding with things on the ground. A stereotypical example is when a small commercial plane collides with an official sign somewhere on an airport, whether near a runway or not. Another example is when an airplane clips the edge of a hanger door, or collides with another plane on the ground, albeit mildly. None of this is cheap.
Day-To-Day Claims On The Ground
It’s the day-to-day events on the ground that are involved in almost all aviation insurance claims. For instance you can be taxiing your aircraft and hit a hangar door. Now if your front door at home was damaged, it wouldn’t cost a fortune to replace it. But a hangar door is a huge piece of equipment, and it is going to cost an arm and a leg to replace, not to mention the damage to your aircraft. You might be coming in to land when you get hit by a strong gust of wind and blown sideways into something, causing damage again to both your aircraft and the object you hit.
A Minefield of Complex Insurance Risks
For the uninitiated, aviation insurance can be a minefield. Most people have some idea of what cover they need in order to drive a car, but aviation is a specialist area and needs the knowledge of people like us at ZANETTE. We have over 25 years of experience in aviation insurance, so we know all the things that can go wrong, and we can discuss your individual situation. Once we understand what it is that you need to cover, we can then go out into the aviation insurance market place and find the correct insurance cover for you. We deal with the very top A.M. best rated “A” or better insurance carriers, and we know how to talk to underwriters in order to get you the best deal. When it comes to aviation insurance you need the best cover at the most affordable price. There is a multitude of different aircraft out there – light aircraft, commercial aircraft, large aircraft, small aircraft, helicopters, drones, gliders, jet aircraft, turbo-prop aircraft – you can begin to understand what we mean when we say that it is a minefield. It also depends on what you are going to use your aircraft for, if you are carrying passengers, or possibly paying passengers, whether you are only flying in the US or flying abroad, and so on. This is why you need an aviation insurance specialist like us in order to ensure that you get the cover you need. Our first step is to discuss with you what you're flying, what you're carrying, who will be doing the flying, etc. This detailed inventory of your flying needs and habits will then be used to identify a range of the best possible aviation insurance quotes.
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