Airplane insurance

What does Aircraft Insurance mean?

The owners of the aircraft, depending on the needs, which usually arise from the purpose and type of aircraft (use the aircraft for their needs, shoot from the air, dust, transport people, goods, or train others) arrange different types of insurance that accompany only owning the aircraft and performing some activities by aircraft.

That is why it is important to be provided with a policy that will cover the costs that can be incurred in the event of damage to the aircraft (both in the sky and on earth), but also to support you if you use the aircraft to cause injury or damage to your passengers or third parties.

Compulsory liability insurance from aircraft use

According to the provisions of the Law on Compulsory Traffic Insurance, the insurance of aircraft owners for damage caused to third parties, passengers and their personal belongings is classified as compulsory insurance. All aircraft with a maximum take-off weight of more than 20 kg must have compulsory liability insurance.

This means that registration of an aircraft and renewal of registration can only be effected when the competent authority is provided with proof of the conclusion of the Compulsory Liability Insurance Agreement for damage to third parties, passengers and their personal effects.

Also, if you are the owner or operator of an unmanned aerial vehicle (drone), you must have a third party liability insurance policy in accordance with the Unmanned Aviation Regulations.

Third-party liability insurance for drones is subject to the same rules as for regular crewed aircraft, so such a policy must comply with the law and comply with limits for aircraft whose maximum take-off weight is greater than 20kg.

Aircraft Casco Insurance

Casual aircraft insurance covers the physical loss or damage that occurs on an insured aircraft while flying, while anchored or on the ground, as well as the cost of transporting the damaged aircraft to the point of repair.

What can be the subject of aircraft casco insurance?

  • hull,
  • engines,
  • standard instruments
  • equipment

What are the types of aircraft and for what purpose can they be insured?


  • taxi traffic
  • airplanes for personal use
  • sports planes
  • other aviation (administrative, medical, etc.)
  • fire aviation
  • school planes
  • commercial aviation
  • traffic aviation (regular traffic and charter)
  • seaplanes
  • gliders, ultralight planes, kites, balloons, paragliders


  • for the transport of officials,
  • for rescue,
  • for research,
  • to control traffic.

What risks are covered under  aircraft insurance?

  • extraordinary external events during flight, taxiing, landing or anchoring
  • negligence of commanders, pilots and other crew members
  • costs reasonably incurred in order to save the insured aircraft, avoid or reduce damage to the insured aircraft,

the cost of transporting the damaged aircraft from the site of damage to the site of repair.


What can be the subject of aerial application insurance?

Aerial application is considered to be the ejection of chemical agents from low-flying aircraft by methods of scattering, spraying, irrigating, dusting, misting and granulating, ejecting fish feed and extinguishing forest and other fires.

Liability arising from the use of chemical agents in the aviation treatment of agricultural and other surfaces is the subject of aerial application insurance.

What are the risks covered by aviation insurance?

  • death,
  • total or partial disability,
  • transient personal injury,
  • third party diseases,
  • damage or destruction of property.

The insurance shall not cover the insured’s liability for losses:

  • committed to third parties or property of third parties on surfaces less than 200m from the boundary edges of the treated area,
  • on the surfaces and property of the client, that is, the user of the air treatment,
  • damage caused by air treatment of areas smaller than 100ha,
  • the death, injury or illness of persons hired to work with the contracting authority,
  • Led due to the willful and gross negligence of the insured,
  • due to the application of a stronger concentration of chemical materials than that prescribed by the manufacturer