Frequently Asked Questions.
| Q: | Is Pay-As-You-Fly a traditional annual aviation insurance policy? |
| A: | No. You get all the benefits of a traditional aviation policy you just pay for in-flight cover when you need it. With a traditional aviation policy, you pay for in-flight cover when your aircraft is sitting on the ground. Our Pay-As-You-Fly policy provides comprehensive annual ground cover and 7 Insured Flying Days to use when you need in-flight cover. You have the option to purchase additional in-flight cover at a fixed daily rate when you have used the 7 included days. You can select and book Insured Flying Days through your FlyCovered account before you fly, even on the same day; it only takes a couple minutes from your Iphone, smartphone, tablet or PC, you can fly as many hours as you wish on these days. |
| Q: | Do you insure helicopters or rotary wing aircraft? |
| A: | Sorry not at this time. |
| Q: | Do you insure Microlights or Gyrocopters? |
| A: | We can only insure Fixed Wing Microlights NOT Flexwing at the moment. We do not insure Gyrocopters but this option is coming soon. |
| Q: | What happens if I forget my FlyCovered account PIN? |
| A: | We can send you a PIN reminder. At the booking page select Forgot PIN. We will send a PIN reminder to the email address linked to your FlyCovered account. If you haven't received the email after 5 minutes please check your spam or junk folder. |
| Q: | Can I get covered immediately after accepting my quote? |
| A: | Yes you can. Instant cover is available on all of our policies. This is subject to you paying the full premium or the Direct Debit deposit by Credit or Debit card. If you have an Pay-As-You-Fly policy you will need to book an Insured Flying Day to have in-flight cover. If you have a Ground Cover+ policy, you will need to buy and book an Insured Flying Day to have flight cover. |
| Q: | Can I Cancel a FlyCovered policy at anytime and will I receive a return premium? |
| A: | You can cancel any FlyCovered policy at anytime by notifying the administrator. If you cancel your policy before the start date, the premium paid by you will be returned in full. If you cancel during or after the cooling off period, the return premium due to you will be calculated at a proportional daily rate, depending on the number of remaining policy days you have. If you are cancelling after a renewal, we will not return any premium for Insured Flying Days rolled over from an expiring policy. If you have made a claim the full premium is due. Cancellation after the policy start or renewal date is subject to a £25 administration fee. Full cancellation terms are available in the policy wording and our Terms of Business and Conditions. |
| Q: | How do I cancel my FlyCovered policy? |
| A: | You can cancel your policy by contacting our Customer Service Team on 0208 059 8542 Lines are open from 9am to 5pm, Monday to Friday. If you prefer you can email us at [email protected] or write to us at FlyCovered PO Box 581 Grays RM17 9QU. Cancellation may be subject to an administration fee. Full cancellation terms are available in the policy wording and our Terms of Business and Conditions. |
| Q: | Can I add an additional aircraft to my policy? |
| A: | Yes, no problem. Log into your account. Go to MANAGE MY POLICY. Select Manage aircraft, select Get A Quote For A New Aircraft, enter the new aircraft details, and select Quote. If the aircraft is acceptable we will show you the additional premium for the new aircraft, the daily rate for Insured Flying Days if you have a Pay-As-You-Fly or Ground Cover + policy also a choice of deductibles. To make the change please select your preferred premium option, complete the question set and select Update My policy. You will then go through to the payment page. When payment is received we will send you confirmation of the new aircraft. You will receive a new Schedule and Certificate of Insurance showing the additional aircraft, please check the details on the documents are correct. If you have a policy, we will send you a Schedule showing the additional aircraft and the Insured Flying Days you have available to book for the aircraft. To ignore the change select Cancel. |
| Q: | Do you offer a No Claim Discount on FlyCovered Policies? |
| A: | Yes, we offer a NCD on all of our policies. If you have a pay-As-You-Fly or Ground Cover+ policy, your No Claims Discount will increase by: 1 Insured Flying Day every renewal if you remain claim free, up to a maximum of 3 Insured Flying Days. 1 year claim free = 1 Insured Flying Day, 2 years = 2 Insured Flying Days, 3 years = 3 Insured Flying Days. If you have a Frequent Flyer policy, the no claim discount on your policy will increase by 1 year every renewal if you remain claim free, up to a maximum of 3 years i.e. 1 year claim free = 5% discount, 2 years = 7.5% discount, 3 years = 10% discount. Full details and conditions are shown in the policy wording. |
| Q: | Do I have to be a resident in the UK to take out a FlyCovered policy? |
| A: | Yes. We are unable to insure non UK residents. We can only insure residents of England, Scotland, Northern Ireland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. |
| Q: | How do I view or download copies of my documents? |
| A: | You can do this from the welcome email or from your FlyCovered account. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Schedules and Certificates are located here, click on any of the documents you would like to view or download. If you have a Pay-As-You-Fly or Ground Cover + policy, you can also click on any day you have booked to view the Schedule and Certificate for that day. |
| Q: | What is the maximum aircraft value you insure? |
| A: | At the moment we can only insure aircraft up to £350,000. |
| Q: | Can I fly the aircraft abroad? |
| A: | Yes, if you are a named pilot on the policy. The geographical limits you can operate the aircraft in is Europe. Our definition of this is; West of 30o East longitude all countries that have borders within West of 30o East excluding Russia. East of 25o West longitude North of 35o North latitude. For the purposes of the policy Europe shall include all Mediterranean Islands. |
| Q: | Does the FlyCovered policy cover malicious damage to the aircraft? |
| A: | Yes it does and the cover is included in your premium. You may have to pay an additional premium for this cover with other providers. |
| Q: | What am I covered to use the aircraft for? |
| A: | The policy covers you to use the aircraft for private and pleasure purposes including incidental business or professional purposes and continuation training of the pilots named on the policy but not for any commercial use. Full details are available in your FlyCovered policy wording. |
| Q: | When do I pay my insurance premium? |
| A: | This is an online facility and you pay at the end of the application process. You can select monthly Direct Debit or pay the premium in full with a Credit or Debit card. |
| Q: | Do you insure Helicopters? |
| A: | Sorry No not at this time. |
| Q: | Who do I contact if I wish to make a complaint |
| A: | Sorry to hear you may have a problem. It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service, you should contact us immediately using the following contact details. Our Customer Service Team can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. If you prefer, you can email us at [email protected] or write to: FlyCovered Covered Insurance PO Box 581 Grays RM17 9QU. We will provide a summary of our complaints handling procedures, should you make a complaint that we cannot resolve informally and at any other time, upon your request. The full complaints procedure is detailed in the CONTACT US section of the website, the policy wording and Key Facts documents available on the FlyCovered website in Compare Policies and sent to you in your FlyCovered welcome pack. |
| Q: | How do I change the aircraft insured on my policy? |
| A: | This is quite easy. Log in to your FlyCovered account. Select MANAGE MY POLICY. Select Manage aircraft, select Get A Quote For A New Aircraft. Enter the new aircraft details, select Quote if the aircraft is acceptable we will provide you with a quotation to add the aircraft to the policy. If the aircraft is unacceptable to the insurers, you will be shown a screen showing the aircraft we are unable to insure, we advise you to re-enter the aircraft details just in case you have entered incorrect information. If the aircraft is acceptable and you wish to add it to your policy, select Update My Policy. You will go through to the payment page, please have your payment card ready if your not paying your premium by Direct Debit. When payment is received we will email you confirmation of the change with a new Schedule, please check the details are correct. When you book Insured Flying Days, the Certificate of Insurance will show the new aircraft details; please check they are correct. |
| Q: | Who can I contact if I have any questions about my policy? |
| A: | If you have any questions regarding your existing policy or online account, take a look at the FAQs and help center on our website it could save you a call. You can type in a question and we will look for your answer. If you are unable to find your answer you can contact our Customer Service Team who will be pleased to assist you. They can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday or Email: [email protected]
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| Q: | How can I pay for my policy? |
| A: | We offer 2 payment options. You can pay the annual premium in full using a Credit or Debit card or use our interest free payment plan. If you select the payment plan we will ask you for a deposit to be paid from your Credit or Debit card. You then pay the outstanding amount over 10 months from your bank account by Direct Debit. The options are offered to you at the end of the application process. Should you have a claim we will require you to pay any outstanding premium in full. |
| Q: | Do you charge a fee for using the payment plan? |
| A: | No. Our Direct Debit payments are fee and interest free. |
| Q: | If I make a change or cancel my policy and it lowers the premium do I receive a refund? |
| A: | Yes. If you make a change to your policy and it lowers the premium you will receive a return premium. If you cancel your policy we refund the premium less a £25 administration fee. You can view the full policy cancellation terms in the FlyCovered policy wordings. They are available on the FlyCovered website in the Our Policies section of the menu under Compare Policies. The policy wording relating to the FlyCovered policy you have selected and purchased will also be available in your welcome pack when you purchase a policy.
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| Q: | How do I pay for any changes to my policy? |
| A: | Should you make a change to your policy it may create an additional premium. If you are not using our payment plan you will be asked to pay this in full at the time of the change so please have your card ready. If you are using our payment plan we will add any additional premium over £50 to your Direct Debit or you have the option to pay by Credit or Debit card. If the additional premium is under £50 you will need to pay with your Debit or Credit Card. |
| Q: | Do you store my Credit Card information? |
| A: | No. When you make any additional payments we do ask your browser to auto fill the card details but this will be without your security code. |
| Q: | What functions can I carry out in my FlyCovered account? |
| A: | We have developed FlyCovered so you can manage your account 24/7 online at a time that suits you. You can manage every aspect of your account online from adding or removing an aircraft or pilot to changing your personal details. You can also buy and book Insured Flying Days if you have a Pay-As-You-Fly or Ground Cover+ policy. |
| Q: | Can I clear any balance on my FlyCovered account when I am paying by Direct Debit |
| A: | Yes you can. Contact the customer services team they will be pleased to assist. They can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. |
| Q: | My Direct Debit has failed what do I need to do. |
| A: | We will send you an email informing you that your Direct Debit has failed, we will represent it to your bank, should it fail again we will issue a 7 day cancellation notice. You can contact the customer services and pay any outstanding amount to avoid the cancellation process proceeding. They can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. |
| Q: | Can I change the registration of the insured Aircraft? |
| A: | Yes. As long as you are not changing the aircraft. If you are changing the aircraft you must follow the add new aircraft process. Changes to the registration mark can be made from your FlyCovered account. Log in to your account, select MANAGE MY POLICY, select Manage aircraft, select Edit Existing aircraft and follow the instructions. We will email you updated documents if you proceed with any changes. |
| Q: | What is Liability cover to third parties? |
| A: | This is the amount you are covered for should your aircraft be involved in an accident that involves and causes damages or injury to a third party property or person, this is during flight or while the aircraft is parked on the ground. All aircraft owners and operators must hold the minimum legal requirement for the insured aircraft. The minimum sum insured is calculated on the type of use, Maximum Takeoff Weight (MTOW) and the number of passengers the aircraft can carry. During the quote process we offer the minimum amount for the aircraft from the details supplied, this can be increased up to a maximum £15,000,000. The minimum legal requirement can be found on the CAA website. Full Details of the cover and exclusions are available in the FlyCovered policy wordings. |
| Q: | Will a FlyCovered policy cover me to fly other aircraft? |
| A: | No, you are only insured to fly the aircraft shown on your Certificate Of Insurance. |
| Q: | Will the FlyCovered policy cover me to fly other aircraft? |
| A: | No, you are only insured to fly the aircraft shown on your Schedule and Certificate Of Insurance. |
| Q: | Can I change from an policy to a Frequent Flyer annual policy? |
| A: | Yes but you will need to call our customer services team to arrange this. Also it may not be worth it. With our Price Cap you will never pay more than the Frequent Flyer annual policy, therefore you may be better off staying with this policy, if your flying more than 30 days during the policy period. If you have any unused or unbooked Insured Flying Days remaining in your FlyCovered account at your policy renewal date, we will automatically Rollover up to 7 unused flight days. Alternatively you can cancel your policy and take out a new Frequent Flyer annual policy, we will give you a pro rata return premium on your to put against the new policy. The cancellation may be subject to a £25 administration fee. The Rollover Days have no value should you cancel your policy following any renewal. Rollover days cannot be moved between policy types; for example you are unable to move rollover days from an On Demand policy to a Ground Cover+ policy. This is because the days have different values. |
| Q: | What is Breach Of Air Navigation Regulations Cover? |
| A: | This policy shall not be invalidated by any act or omission which results in a breach of any air navigation or airworthiness orders or requirements issued by any competent authority affecting the safe operation of the aircraft, provided that you have not caused, contributed to or knowingly condoned the said act or omission. If you have caused, contributed to or knowingly condoned the said act or omission, you shall not be entitled to indemnity under this policy. |
| Q: | What timezone is used on the FlyCoverd policies? |
| A: | All references to 00.00 Hours and 23.59 Hours in the policy including the endorsements that form part of this policy shall be on the basis on Local Time At Your Address. This the address shown on your Certificate of Insurance and your Insurance Schedule. |
| Q: | What is the Maximum Takeoff Weight (MTOW) of an aircraft you insure. |
| A: | At the moment the Maximum Takeoff Weight (MTOW) of an aircraft we can offer insurance for is Fixed-Wing 5,700 KG. |
| Q: | What is the Minimum Takeoff Weight (MTOW) of an aircraft you insure. |
| A: | At the moment the Minimum Takeoff Weight (MTOW) of an aircraft we can offer insurance for is Fixed-Wing 390 KG. |
| Q: | Am I covered to carry passengers if we are "Cost Sharing" the flight? |
| A: | Yes you are covered. As a private pilot you are allowed to carry up to six cost-sharing passengers in a light aircraft providing, no profit is made. The Civil Aviation Authority (CAA) says costs do not have to be shared equally but the pilot must make a contribution. We suggest you contact the CAA if you are in any doubt of the rules around this. No profit is allowed in this situation, as that would make it a commercial flight for which an Air Operator Certificate would be needed from the CAA. It is illegal to conduct commercial flights without that certificate.
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| Q: | Is training use covered under my policy? |
| A: | We cover any named pilot for advanced instruction. This means use of the aircraft on an Insured Flying Day, for flight training of a pilot shown in the Schedule, for a purpose other than obtaining a licence necessary to command the aircraft. Advanced instruction includes but is not limited to continuation training, instruction to gain a rating and conversion training. We do not cover any Ab-Initio Instruction. If you have a Pay As You Fly / On Demand or Ground Cover+ policy you will need to book an Insured Flying Day in your calendar. |
| Q: | Do you supply a Direct Debit payment Schedule? |
| A: | Yes we do. When you purchase your policy you will receive a Direct Debit payment schedule in the welcome pack. You can also view the payment schedule in your FlyCovered account, select MANAGE MY POLICY and select Bank Information. |
| Q: | Do you have any exclusions for what the insured aircraft can be used for? |
| A: | Yes we do. We are unable to insure any aircraft that will be used for agricultural purposes, game capture & control, competition use of any kind, racing or parachuting. Aircraft that will be used for any commercial use, including Ab-Initio instruction, commercial passenger carriage, commercial cargo rental, medevac, commercial aerial photography/filming, aerial survey, glider towing, air display, commercial operation for remuneration and/or hire and reward. |
| Q: | Can I choose a different PIN number after I have purchased a policy? |
| A: | Sorry no. We ask you to keep the same PIN number you were allocated when you purchased your policy. If you forget your PIN we can send you a PIN reminder. From the Booking Page select - 'Forgot PIN' we will send a reminder to the email address linked to your account. You will receive the reminder in a couple of seconds. |
| Q: | I am not a resident in the UK, can I purchase a FlyCovered policy? |
| A: | No. Our FlyCovered policies only cover residents of or people who reside in England, Scotland, Northern Ireland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. |
| Q: | Can I add additional pilots to my FlyCovered policy? |
| A: | Log in to your FlyCovered account, select MANAGE MY POLICY, select Manage Pilots, select Add New Pilot, enter the new pilots details, select Calculate Premium, if the pilot is acceptable we will provide the additional or return premium to make the change. If you would like to make the change select Update My Policy. You will go through to the payment page, so have your payment card ready. When payment is received we will email you confirmation of the change with a new Schedule, please check the details are correct. When you book Insured Flying Days, the Certificate of Insurance will show the new pilots details, please check they are correct. |
| Q: | If I have an , can I book Insured Flying Days without an internet connection? |
| A: | Yes. Although this is an online insurance service we fully understand internet connections can be temperamental at times. If you are unable to get an internet connection, you can call our Customer Service Team on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. The team can access your account with your permission and book an Insured Flying Day for you. To do this they will request a selection of letters from your memorable word, they will never request the whole word. If you feel the area you will be booking Insured Flying Days from will not have any internet access, you can book days prior to arriving at the airport. |
| Q: | How do I remove an aircraft from my policy? |
| A: | To remove a plane that you may have sold or no longer need insurance for is quite easy. Log into your FlyCovered account select MANAGE MY POLICY, select Manage aircraft, select Edit Existing Aircraft next to the aircraft you wish to remove, select Remove Aircraft at the foot of the page, a drop down will appear, type YES and select Proceed, we will show you any return premium due to you, select UPDATE POLICY to complete the change. The plane will no longer be insured at this stage. We will email you confirmation of the change with a new Schedule, please check the details are correct. |
| Q: | Do I need to inform you if I make any changes to the insured aircraft? |
| A: | We ask you to inform us if any changes you make to the insured aircraft change the value, seat, Maximum Takeoff Weight (MTOW) or registration. You can do this in your FlyCovered account. |
| Q: | Are there any pilots that you are unable to insure? |
| A: | Pilots that do not hold a valid pilots licence (NPPL, LAPL, PPL, CPL or ATPL) with the correct ratings, certificates and privileges. Pilots that do not hold a valid medical certificate or self-medical declaration for the licence and ratings held. Pilots that are not residents in England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. Pilots that have fault claims totalling more than £10,000 in the past 5 years. Pilots aged under 17.
Pilots aged 77 or older. Pilots who have had more than 3 fault aviation claims in the past 5 years. Pilots that have had 3 licence violations including pending violations in the past 5 years.
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| Q: | Are there any aircraft that you are unable to insure? |
| A: | Aircraft with a value over £250,000. Aircraft that are based outside of England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. Fixed-Wing aircraft which have a Maximum Takeoff Weight (MTOW) over 5,700 KG or under 390 KG. Any Rotary-Wing aircraft. Aircraft that are considered a single seat deregulated (SSDR) category aircraft. Aircraft that are classed as a gyrocopter or FLEXWING microlight, a glider or motor glider. Aircraft that are classed as warbirds (ex-military, replica and historic aircraft), amphibious aircraft, aircraft fitted with floats or aircraft configured for cargo. Aircraft that will be used for agricultural purposes, game capture & control, racing, any competition use, parachuting glider towing. Aircraft that will be used for any commercial use, including Ab-Initio instruction, commercial passenger carriage, commercial cargo rental, medevac, commercial aerial photography/filming, aerial survey, glider towing, air display, commercial operation for remuneration and/or hire and reward. |
| Q: | What do I do if I forget my FlyCovered account password? |
| A: | It happens don't worry. Select LOGIN from the MENU bar, at the login screen click Forgot Password, the reset screen will appear, enter the email linked to your FlyCovered account and your postcode, select Forgot Password. We will send you an email containing a link to reset your password; Click on the link and you will be directed to our password reset page, select and confirm a new password then select Password Reset, you will also need to enter your memorable word, you will then receive an email confirming the reset. For additional security the password link expires after 10 minutes. You will need to repeat the process if the change is not made in that time period. |
| Q: | What do you class as the UK? |
| A: | For the purposes of our policies, the UK is defined as England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. |
| Q: | How many pilots can I name on my FlyCovered policy? |
| A: | We do not have a maximum number of pilots that can be named on the policy. |
| Q: | How many aircraft can I insure on a FlyCovered policy? |
| A: | On a new policy we can quote on and cover a maximum of 3 aircraft. If you have more than 3 aircraft you can take out another policy or add the additional aircraft to your policy following your initial purchase. |
| Q: | Are forced landings covered? |
| A: | Yes. In the event of a forced landing, in any place where the aircraft is unable to take-off safely, insurers will pay for all reasonable costs, expenses or expenditure for the removal of the aircraft to the nearest suitable take-off area and any reasonable emergency expenses necessarily incurred by you, for the immediate safety of the aircraft. The full details of this cover are available in the FlyCovered policy wording. |
| Q: | Can I change my home address? |
| A: | Yes. This can be done through your FlyCovered account. Log in to your account, Go to MANAGE MY POLICY and select Change my address. Enter the new address details, select Change. We will email you confirmation of the change with a new Schedule, please check the new details are correct, if they are incorrect please go through the same process. |
| Q: | What is the policy deductible / excess on a FlyCovered policy? |
| A: | During the quote process we offer you a choice of policy excess / deductible. This applies to the hull only and not the liability section of your policy. Some aircraft have a higher compulsory excess than others. The excess you have selected is shown on your Schedule and remains in place for the duration of that policy. If you select a higher deductible you will receive a discount on your premium. Some additional covers have fixed excesses and these are shown on your Schedule. |
| Q: | Can I change the deductible / excess on the insured aircraft after I have purchased my policy? |
| A: | Yes you can. Changes to the aircraft can be made from your FlyCovered account. Log in to your account, select MANAGE MY POLICY, select Manage Aircraft, select Edit Existing Aircraft and follow the instructions. We will email updated documents. If you are changing the aircraft you must follow the add new aircraft process. |
| Q: | Can I add additional covers to my policy after I have taken it out? |
| A: | Yes. You can add or remove additional covers from your FlyCovered account. Login to your account, select MANAGE MY POLICY. Select Manage Add-Ons. To select or remove the covers from your policy follow the instructions. The additional premium or any return premium will be shown before you proceed. |
| Q: | What happens if my Direct Debit fails? |
| A: | If your Direct Debit fails, the ability to book Insured Flying Days and amend your policy will be removed and your account will be suspended. You are able to log into your FlyCovered account at any time, to pay the outstanding amount. This will unlock your account, give you full access to all functions and allow the next Direct Debit to be processed. If the Direct Debit failure is due to a problem with your Direct Debit mandate, for example, the instruction has been cancelled or the account details provided are invalid, you will be asked to update your bank details when you log in. We reserve the right to charge an administration fee of £20 and remove the right to pay by direct debit, should you fail to make an agreed payment. |
| Q: | Can I change the email address that my policy is linked with, after I have purchased a policy? |
| A: | Yes, no problem. It's important that you always provide us with correct email address as this is where we send your documents to and make contact with you. Log in to your FlyCovered account, go to MANAGE MY POLICY and select Change My Email Address, enter the new email address details. PLEASE MAKE SURE THE EMAIL ADDRESS IS CORRECT, then select UPDATE, the email is now changed. We will send you confirmation of the change to the new email address; if it's not received in 15 minutes, please check your junk file, also check if the email address you entered is correct, if it's not, please follow the process again. |
| Q: | My Aircraft home airfield is outside of the UK can I buy a FlyCovered policy? |
| A: | Unfortunately our FlyCovered Policies only cover aircraft when its home airport or airfield is located in England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. |
| Q: | What do you mean by class of aircraft? |
| A: | We need to know the total hours each pilot has logged on the class of aircraft being insured, Ie Single Engine Piston (SEP) Multi Engine Piston (MEP) Single Engine Turboprop (SET). |
| Q: | What do you mean by category of aircraft? |
| A: | The category of aircraft we ask you to select is Fixed-wing. We do not insure Rotary-wing aircraft at this time.
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| Q: | How do I report my flying hours in the proposal? |
| A: | We need to know the total hours each pilot that will be named on the policy has logged on the category of aircraft being insured, Ie Total hours on all Fixed-Wing aircraft. Then the number of hours each pilot has logged on the class of aircraft being insured, Ie Single Engine Piston (SEP) Multi Engine Piston (MEP) Single Engine Turboprop (SET). Hours on each class count and they can be added together to provide the total number of hours logged. We also need to know if any pilot has under 10 hours logged on the aircraft, model and variant being insured. NOTE: Should you have hours on non powered gliders these cannot be include. Hours on powered / motor gliders and Fixed-Wing microlights may be included under Total Hours on Fixed-Wing aircraft |
| Q: | What do you mean by model and variant? |
| A: | The aircraft model on a Piper could be a PA 28, the variant of that model aircraft could be a 140 Cherokee Cruiser - 150 Cherokee or a 160 Cherokee. |
| Q: | What do I do if I forget my memorable word? |
| A: | It happens don't worry. You have 2 options. Option 1. Select LOGIN from the menu bar, at the login screen click Forgotten Or Change Password (the security processes are linked and you will be able to change your memorable word from here) the reset screen will appear, enter the email linked to your FlyCovered account and your postcode, select FORGOT PASSWORD. We will send you an email containing a link to reset your password; click on the link and you will be directed to our password reset page, enter your existing account password and confirm (you can change the password at this time as well if you wish) go to memorable Word select your new memorable word and hint, select Password Reset. You will receive an email confirming the reset. Option 2. You can contact our Customer Services Team and they can send a reset email to the email address linked to your FlyCovered account. For additional security the password link expires after 10 minutes. You will need to repeat the process if the change is not made in that time period. |
| Q: | Can I change my password or memorable word? |
| A: | Yes. Select LOGIN from the menu bar, at the login screen click Forgotten Password, the reset screen will appear, enter the email linked to your FlyCovered account and your postcode. We will send you an email containing a link to reset your password; Click on the link and you will be directed to our password reset page, select and confirm a new password or enter your existing password if you are changing your memorable word, select a new memorable word and hint and then select Password Reset. For additional security the password link expires after 10 minutes. You will need to repeat the process if the change is not made in that time period. |
| Q: | Do you cover aircraft when the home airfield, airport or landing strip are unlicensed? |
| A: | Yes we do. You will need to inform us of the name of aircraft home airfield, airport or landing strip during the application process. |
| Q: | How do I change my Bank details? |
| A: | Should you need to change the bank account that your Direct Debit is collected from, you can do this through your FlyCovered account. Log in to your account, Go to MANAGE MY POLICY, select Bank Details, select Edit, make and check the changes and select UPDATE to complete the change. |
| Q: | Can I change the sum insured for my public liability cover? |
| A: | Yes. During the application process we offer you the minimum required liability cover. This is based on the aircraft's maximum takeoff weight, number of passenger seats and type of use. You can increase the liability cover up to £15,000,000 at that time or after you have purchased the policy. The change can be made through your FlyCovered account. Log in to your account, go to MANAGE MY POLICY, select Manage aircraft where you can select the required Public Liability cover. |
| Q: | Can I change the personal details in my FlyCovered account? |
| A: | Yes no problem. Log into your FlyCovered account, go to MANAGE MY POLICY, you can then select the details you would like to update from the drop down. We will email you confirmation of any changes you make with updated documents. |
| Q: | Can I insure an aircraft under construction? |
| A: | Yes this is possible. You can insure an aircraft under construction under our Ground Cover+ policy. We will not offer any cover for damage that is resulting from mistakes made during the build process. When the build is complete and the required CAA permissions have been granted, you can buy and use Insured Flight Days for the aircraft under the Ground Cover+ policy. |
| Q: | What is Aircraft Financial Interest endorsement shown on the policy? |
| A: | This is automatically covered in your policy. Finance houses and aircraft leasing company agreements usually require that the aircraft is insured against loss of or physical damage and that the interest of the finance house or leasing company is noted in the policy. During the proposal process you can note any interested parties on the policy. The policy wording provides full details of the cover including any exclusions or conditions. |
| Q: | What is Supplementary Payments cover? |
| A: | This covers any reasonable expenses incurred for the purpose of search and rescue operations for the aircraft, runway foaming, attempted or actual raising, removal, disposal or destruction of the wreck of the aircraft and the contents of the aircraft, fees in respect of any public inquiry or inquiry by the Civil Aviation Authority or any other relevant authority into an event involving the aircraft. |
| Q: | Does the policy cover me when I am flying in Danish airspace? |
| A: | Yes it does. The policy is extended to include automatic personal accident insurance as required by applicable legislation in any place to, from, or in which you operate the aircraft or shall operate the aircraft. This extension applies in respect of aircraft liability for those territories which have statutory limits for passenger personal accident, notably German aviation insurance law and the Danish Act. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. |
| Q: | Does the policy cover me when I am flying in German airspace? |
| A: | Yes it does. The policy is extended to include automatic personal accident insurance as required by applicable legislation in any place to, from, or in which you operate the aircraft or shall operate the aircraft. This extension applies in respect of aircraft liability for those territories which have statutory limits for passenger personal accident, notably German aviation insurance law and the Danish Act. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. |
| Q: | What is Automatic Personal Accident cover? |
| A: | The policy is extended to include automatic personal accident insurance as required by applicable legislation in any place to,from or in which you operate the aircraft or shall operate the aircraft. This extension applies in respect of aircraft liability for those territories which have statutory limits for passenger personal accident, notably German aviation insurance law and the Danish Act. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. |
| Q: | Am I covered if I use an airfield out of notified hours? |
| A: | Yes you are. The coverage provided by this policy shall not be invalidated as a result of your use of certain airfields and/or airports out of the notified hours, subject to prior permission having been granted by the appropriate owner and/or operator of such airfield and/or airport. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. |
| Q: | What is a policy Schedule and when do I receive it? |
| A: | This is the document that the administrator sends you by email when you purchase this policy. It includes but is not limited to your details, the premium paid, the insured aircraft, insured pilots, and the sections of cover/endorsements applicable to your policy. If you have an policy it will show the total number of Insured Flying Days available at the time of purchase. A revised Schedule will only be issued when there are variations to the terms and conditions of this policy and should you purchase any additional Insured Flying Days for an policy.
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| Q: | Is air testing for a Certificate of Airworthiness covered under this policy? |
| A: | Yes but we do have some restrictions. We will cover the aircraft while it is being operated for the purpose of a test flight for the award, renewal or continuation of the Certificate of Airworthiness. The policy will include the aviation authority having jurisdiction over the aircraft, any pilot approved by, employed by or contracted to the aviation authority having jurisdiction over the aircraft for the purpose of such test flight provided they hold the appropriate licence and qualifications to fly the insured aircraft. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. If you have a policy an Insured Flying Day must be booked to cover the flight time. |
| Q: | Is air testing after maintenance or repair covered under this policy? |
| A: | Yes but we do have some restrictions. This policy is extended to apply to flights in the aircraft undertaken by any person qualified to maintain the aircraft or repair the aircraft if the flight is in connection with the maintenance or repair, provided they hold the appropriate licence to fly the aircraft. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wording. If you have a policy an Insured Flying Day must be booked to cover the flight time. |
| Q: | What is the policy Wording? |
| A: | This policy wording document along with your Schedule, Certificate of Insurance and any endorsements make up your policy. You should read these documents carefully and make sure that they meet your needs. It is important that: you check that the sections of coverage you have requested are included in this policy; you comply with your duties under each section and under this policy as a whole. You should regularly review your cover to ensure that it is adequate and continues to meet your needs. You can access your insurance documents through your FlyCovered account www.flycovered.com. To log into your account you will require your account password, your postcode and your email address. A copy of all policy wordings are available on the website in the HELP CENTRE in the menu. bar
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| Q: | What is Pilot's' Personal Accident Cover? |
| A: | This additional option provides up to £10,000 of cover to each pilot insured under the policy if they sustain physical injury caused by an aviation incident when they are piloting the aircraft. In addition this option also includes £1,500 each insured person for each aviation incident in respect of medical and related expenses. Full details, including the schedule of benefits and any conditions or exclusions are available in the policy wording. |
| Q: | How do I get copy of the FlyCovered policy wording and the Insurance Product Information Document (IPID)? |
| A: | You can view or download the FlyCovered policy wordings and Insurance Product Information Document (IPID) from the FlyCovered website in the HELP CENTER, they are located on the right hand side of the page. As we offer 3 aviation policies, make sure you review the document relevant to your policy or the policy you are thinking of purchasing. When you purchase a policy we will send you a copy in your welcome email and it will also be available from your FlyCovered account. |
| Q: | What is Trip Interruption cover? |
| A: | This is an additional cover you can purchase and add to your policy. If the aircraft becomes unairworthy as a result of physical loss or damage, this policy option provides up to £500 of cover for any reasonable expenses you incur for food, travel and lodging of passengers and pilots. Full details of the cover including any conditions and exclusions, are available in the policy wording. |
| Q: | What is Airside Vehicle Liability cover? |
| A: | This policy option provides up to £250,000 of cover to protect against claims made against you, from the authorised use of any vehicle owned or operated by you, within the confines of any airport or airfield in connection with the aircraft. Full details of the cover, including any conditions and exclusions, are available in the policy wording. |
| Q: | What is Trespasser's Costs cover? |
| A: | Cover to pay landowners a reasonable settlement in respect of physical loss of or damage to crops, following a crash or forced landing of the aircraft regardless of your legal liability. Full details of the cover and sums insured is available in the policy wording. |
| Q: | Can I give third party access to my FlyCovered account. |
| A: | Not at the moment but its coming soon. |
| Q: | Do you charge a fee if I Make changes to my policy? |
| A: | We will not charge you an administration fee when you make any mid term adjustments to your policy, that may or may not create an additional premium, unless you make more than 20 changes in any policy year. We then reserve the right to charge you £15 for any additional changes above that number. Should you or the insurer cancel your policy during or after the cooling off period we will charge you a £25 cancellation fee. We reserve the right to charge an administration fee of £20 and remove the right to pay by Direct Debit, should you fail to make an agreed payment. |
| Q: | Whats Insurance Premium Tax or IPT? |
| A: | Insurance Premium Tax (IPT) is a tax on general insurance premiums. The IPT to be paid on the premium is determined by the country of registration of the aircraft. The physical location of the aircraft is irrelevant, e.g. an aircraft that is registered in the UK but based in France is located in the UK and pays UK Tax. Commercial aircraft is exempt from IPT. Our system will allocate the applicable tax to the country of aircraft registration. |
| Q: | Do you offer betterment cover? |
| A: | Unfortunately not at the moment. |
| Q: | Am I covered for Crown Indemnity and the the Civil Use of ( MOD ) Ministry Of Defence / Military airfields? |
| A: | Yes you are. This cover is also known as Crown Indemnity. The UK Ministry of Defence (MOD) requires you to have at least £7,500,000 of liability cover, when you are operating your aircraft on their airfields. This increased liability cover is automatically provided in your policy. Full details of this cover, including any exclusions or conditions, are available in the FlyCovered policy wordings. |
| Q: | Do you offer discount codes? |
| A: | Yes we do. You may find them in a quote reminder email, on our facebook, twitter and instagram pages. The terms and conditions for the discount codes can be found in our terms of business on the FlyCovered website. |
| Q: | if I have a policy, can I use my mobile phone or tablet to book Insured Flying Days? |
| A: | Yes you can. Your equipment must have the latest browsers installed. Older browsers have security issues and our system will not operate on them. |
| Q: | Who is the insurer for FlyCovered policies? |
| A: | The insurer for FlyCovered policies are Tokio Marine Kiln Syndicates Limited (Syndicate 510 at Lloyd's) Address: 20 Fenchurch Street, London EC3M 3BY. They are market leading aviation underwriters. |
| Q: | What do I need to do following an incident that could result in a claim under my policy? |
| A: | Following any incident that you think could lead to a claim on your policy, we ask you to contact our loss adjusters Leading Edge Assist as soon as practically possible. Their contact details are:- Leading Edge Assist, Ibex House, Baker Street, Weybridge, Surrey, KT13 8AH. 24 hour telephone line 0333 370 8105. You will need to provide them with your policy number and the aircraft registration marks; full particulars of the event, the subject of a claim with any letters or documents relating to it; give notice of any impending prosecution or civil action; provide such further information and assistance as we may reasonably require; not act in any way to the detriment of or prejudice our interest. If it's a claim against you, we ask that you do not give any admission of liability, payment, offer or promise of payment without our written consent.
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| Q: | Who do I contact if I have need to make a claim? |
| A: | If you have a claim we request you contact our 24 hour helpline immediately. Contact details are:- Leading Edge Assist, Ibex House, Baker Street, Weybridge, Surrey, KT13 8AH. 24 hour telephone line: 0333 370 8105.
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| Q: | What is my Certificate of Insurance? |
| A: | As an aircraft owner or operator you are required to have and be able to prove that you hold the minimum level of liability insurance required for your aircraft. The insurance certificate document provides this proof. When you purchase a Frequent Flyer policy we will send you an annual Certificate of Insurance. Should you select an policy, we will send you a Certificate of Insurance for each period of insurance you book. We will also send you a new Certificate of Insurance should you make any changes to your policy. It is recommended that you carry your Certificate of Insurance when you are intending to operate your aircraft, should a CAA inspector require proof of cover. A copy is always available in your FlyCovered account. |
| Q: | What is a policy endorsement? |
| A: | This shows you any special terms and conditions included in this policy or added to your policy. They are shown in the your Schedule and the policy wording. Endorsement 1 to 13 are automatically covered, additional covers that you have selected and paid the premium for are shown on your Schedule as "included". A complete list of the endorsements attached or that may be attached to this policy are available in the policy wording. |
| Q: | If I add an additional pilot to my policy will they be able to use the Insured Flying Days on my account? |
| A: | Yes they will, the new named pilot will be able to have flight cover when they have been accepted and added to the policy. They will not be covered until you have received a confirmation email from the administrator containing the new documents showing, the new pilots details. The named policyholder has to book the Insured Flying Days days through the FlyCovered account before any flight cover is in place. |
| Q: | Can I insure someone other than myself on the aircraft I own and only that person to fly my aircraft? |
| A: | Yes that's fine. You will need to apply for the policy and the policy will be in your name. You then add the pilots name and details in the application process. Any claims will be paid direct to the registered owner. |
| Q: | What is the maximum age you can insure a pilot under a FlyCovered policy? |
| A: | We are unable to offer insurance to anybody 77 years of age or older. |
| Q: | How old do I need to be to take out FlyCovered policy? |
| A: | We are unable to offer insurance to anybody under 17 years of age. |
| Q: | Can I have more than one FlyCovered policy? |
| A: | Yes. You can have more than one FlyCovered policy but it must be on a different aircraft. You will need to set up a new FlyCovered account with a different email address to one registered to your existing FlyCovered account. |
| Q: | What is the maximum pilot age you can insure under a FlyCovered policy? |
| A: | The maximum age we can insure is 76 at the time of application. |
| Q: | What is the minimum pilot age you can insure under a FlyCovered policy? |
| A: | The minimum age is currently 17. |
| Q: | Who are Covered Insurance Services? |
| A: | The team who developed the FlyCovered Platform have over 30 years experience in IT and Insurance. They are leading innovators in Pay-As-You-Fly and On demand Insurance. Using the latest technology they have removed the dated and complicated processes associated with insurance. |
| Q: | Who do I contact if I am having issues using the FlyCovered site? |
| A: | Sorry to hear that you are having problems. Please check the equipment you are using has the latest browser installed. We only use the latest browsers for security reasons. Also try rebooting your equipment. If you are still having issues please contact our Customer Service Team they will be pleased to assist, they can be contacted on 0208 059 8542 Lines are open from 9am to 5pm, Monday to Friday or Email: [email protected] |
| Q: | What security do you have on your site? |
| A: | For your online protection we use Extended Validation Certificate the highest �class' of SSL (Secure Sockets Layer) available. |
| Q: | Do you offer liability only policies? |
| A: | Yes we do. During the quote process you will be requested to select the value of your aircraft. Please select ZERO this will then remove any cover for the aircraft hull. |
| Q: | How do you inform me about my renewal? |
| A: | We will email your renewal invitation to you at least 21 days before your policy renewal date with the details of your premium for the coming year, the premium you paid the previous year and a selection of policy options and premiums. The policy will not renew automatically, even if you are on direct debit. You must follow the renewal process shown in the email. Should you have any questions please contact our Customer Services Team. They can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. If you prefer, you can email us at [email protected] or write to: FlyCovered Covered Insurance PO Box 581 Grays RM17 9QU. |
| Q: | How do I renew my FlyCovered policy? |
| A: | We will email your renewal invitation to you at least 21 days before your policy renewal date to the email address you have provided. This will show the details of your premium for the coming year, the premium you paid the previous year and a selection of policy options and premiums. The email will have instructions on how to renew your policy. It will inform you how to retrieve your existing details, you will need to confirm or amend them. Should you make any changes, we will tell you whether we are able to accept the change and if the change will result in revised renewal terms at the end of the process. If you do not inform us about a change it may affect any claim you make, or could result in your insurance being invalid. Remember to update all named pilots flying hours at this time, it may reduce your premium. Should you have any questions please contact our Customer Services Team, they can be contacted on 0208 059 8542 lines are open 9am to 5pm, Monday to Friday. If you prefer, you can email us at [email protected] or write to: FlyCovered Covered Insurance PO Box 581 Grays RM17 9QU.. The policy will not renew automatically, even if you are on direct debit. You must follow the renewal process in the email. |
| Q: | What do you class as a fault claim? |
| A: | A fault claim is where your insurer has made or will be making a payment to you or a third party following an aviation incident or accident. |
| Q: | Can I change my home airport / airfield |
| A: | Yes. This can be done through your FlyCovered account. Log in to your account, select MANAGE MY POLICY, select Edit Existing Aircraft and add the new Home Airport details, check the details are correct and select Accept Change. We will email you confirming the change with your updated documents, please check the documents are correct. |
| Q: | Do you cover aircrafts that are not G registered? |
| A: | Yes we do. During the quote process you will be asked for your aircraft registration please select the country of registration from the dropdown. If the registration letter is not shown please contact us and we may be able to add it. The aircraft doesn't have to be be G registered but the FlyCovered policy only covers aircraft when its home airport or airfield is located in England, Northern Ireland, Scotland, Wales, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. |
| Q: | Do I need to install an App to use FlyCovered? |
| A: | No. We have designed the system to work direct from the web without the need to install any Apps. |
| Q: | Do you insure flying clubs? |
| A: | Not at the moment, but the option is coming soon. We insure syndicates and flying groups. |
| Q: | Can I amend the details of the aircraft insured on my policy? |
| A: | Yes you can, as long as you are not changing the aircraft. If you are changing the aircraft you must follow the add new aircraft process. To make changes to the aircraft, login to your FlyCovered account. Select MANAGE MY POLICY, select Manage Aircraft, select Edit Existing Aircraft and follow the instructions. If the change is acceptable we will advise you of any additional or return premium due. If you wish to make the change select UPDATE POLICY, we will then email new documents to you. Please check the documents are correct and show the requested changes. |
| Q: | Where can I find a copy of your Terms Of Business and Conditions. |
| A: | They are available at the bottom of all the pages of the FlyCovered website. |
| Q: | What does the Ground Cover section of my policy cover? |
| A: | The ground cover section is protecting any aircraft insured under this policy, when it is not in flight for loss of or physical damage to the aircraft. Eg theft, malicious damage or storm damage. This section of the policy also covers your legal liability to others, arising when the aircraft is on the ground, including when you are moving the aircraft or running the engines. Full terms and conditions are available in the policy wordings. |
| Q: | What cover is provided on Insured Flying Days? |
| A: | The Insured Flying Days provide comprehensive cover for the insured pilot(s) named on the Schedule and Certificate of Insurance, the aircraft and any passengers, while the insured aircraft is in flight. It covers use for private and pleasure purposes including incidental business or professional purposes and advanced instruction of the pilots named on the policy, but not for hire or reward. Full terms and conditions are available in the policy wordings. |
| Q: | Can I have an agreed value on my aircraft? |
| A: | Our policies are agreed value policies and you should always make sure you insure your aircraft for the full value in case of a total loss. Insurers will pay for physical loss of or damage to the aircraft occurring during the policy period, and arising from the risks covered, but not exceeding the Agreed Value selected when you purchased the policy. |
| Q: | Can I insure my aircraft under a syndicate or group name? |
| A: | You can insure your aircraft under a group name. You will need to add the groups name and all the pilots of the group in the application process. We will use the person who is applying as the main contact. The group name will be shown as the policyholder. The group cannot operate the aircraft for any commercial use or to make a profit. You should contact the CAA who can provide information if you feel you are not complying and that you may fall under rental / commercial use. |
| Q: | Can I fly outside the geographical limits noted in the FlyCovered policy wording? |
| A: | Unfortunately No. The geographical limits you can operate the aircraft in is Europe. Our definition of this is: West of 30o East longitude all countries that have borders within West of 30o East excluding Russia. East of 25o West longitude North of 35o North latitude. For the purposes of the policy Europe shall include all Mediterranean islands. |
| Q: | What if I require a non-standard use for my aircraft? |
| A: | At the moment we can only offer cover for private and pleasure purposes, including incidental business or professional purposes and continuation training of the pilots named on the policy but not for commercial use. |
| Q: | Can I change to a different FlyCovered Policy to the original one I purchased? |
| A: | Yes but you will need to call our customer services team to arrange this. |
| Q: | Do you insure gliders or motor gliders? |
| A: | No Sorry not at this time. |
| Q: | What is the maximum number of aircraft I can have on one policy? |
| A: | On a new policy we can quote on and cover a maximum of 3 aircraft. If you have more than 3 aircraft you can take out another policy or add the additional aircraft to your policy following your initial purchase. |
| Q: | How many aircraft can I get a quote on? |
| A: | We can quote and cover 3 aircrafts on a new policy. If you have more than 3 aircraft you can take out another policy or add the additional aircraft to your policy following your initial purchase. |
| Q: | Can I insure 2 categories of aircraft on the same FlyCovered policy? |
| A: | We are unable to cover 2 categories of aircraft on the same policy at this time. You will need to have a policy for each category of aircraft. |
| Q: | What happens if there is more than one Insured on the policy? |
| A: | A condition appears in the liability sections of your FlyCovered policy wording. It states that each Insured under these sections are considered as third parties to the others and as such they are both entitled to protection, separately. For example, an aircraft that is owned by more than one party, which is involved in an occurrence where one part owner is piloting the aircraft and another part owner travelling as a passenger at the time, such passenger would not necessarily receive the protection under the passenger liability section as they are a part owner of the aircraft. This particular condition, however, extends cover in a number of ways and in this situation will ensure that any part owner travelling as a passenger in the aircraft, will receive the same level of protection as would any other passenger. The total liability of the insurer shall not exceed the applicable limits as shown in the Schedule, less any applicable deductible. Full details of cover, including any exclusions or conditions, are available in the FlyCovered policy wording. |
| Q: | Is instruction covered under the policy? |
| A: | Yes but not Ab-Initio Instruction. We cover any named pilot for advanced instruction. This means use of the aircraft for flight training of a pilot shown in the Schedule, for a purpose other than obtaining a licence necessary to command the aircraft. Advanced instruction includes but is not limited to continuation training, instruction to gain a rating and conversion training. If you have a Pay As You Fly / On Demand or Ground Cover+ policy you will need to book an Insured Flying Day in your calendar. |
| Q: | Are instructors covered under the policy? |
| A: | Yes they are. Our wording states in the event of there being a qualified flying instructor or examiner on board the aircraft for the purpose of advanced instruction of a Pilot shown in Item 7 of the schedule, the flying instructor or examiner shall be deemed to be a permitted Pilot under this Policy. Ab-Initio Instruction for the purpose of obtaining a licence is not covered. This means use of the aircraft for flight training of a pilot shown in the Schedule, for a purpose other than obtaining a licence necessary to command the aircraft. Advanced instruction includes but is not limited to continuation training, instruction to gain a rating and conversion training. If you have a Pay As You Fly / On Demand or Ground Cover+ policy you will need to book an Insured Flying Day in your calendar.
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| Q: | Do you offer an Open Pilots Warranty? |
| A: | Not at the moment but its coming soon. |
| Q: | Do you have a minimum hours requirement for pilots. |
| A: | No, all pilots must hold a valid pilots licence (NPPL, LAPL, PPL, CPL or ATPL) with the correct ratings, certificates and privileges for the aircraft being insured. They must hold a valid medical certificate or self-medical declaration for the licence and ratings held. We do not cover ab-initio training. Adding a pilot with low or no hours on type or low flying hours may increase your premium. |
| Q: | I have a N Reg Aircraft and need to add a trustee as the insured. Do you accept this and can I do this online? |
| A: | Yes. When completing the application under policyholder add your name and then trustees name. Both names will appear on all documents. |
| Q: | Do you insure warbirds? |
| A: | Not at this time. |
| Q: | Do you insure gliders or motor gliders? |
| A: | Not at this time. |
| Q: | Do you insure amphibious aircraft or aircraft fitted with floats? |
| A: | Not at this time. |
| Q: | Do you cover road transportation? |
| A: | This is an additional option that can be added to the policy. This additional option provides coverage during the policy period for physical loss of or damage to the aircraft whilst the aircraft is being transported at any time by any suitable means of road conveyance. Cover is subject to all precautions being taken to ensure the safety of the aircraft during the period of transportation. The sum insured is up to the agreed value of the aircraft. The deductible for this option is 5% of the aircraft agreed value or your selected deductible whichever is the higher. Full details including any conditions and exclusions, are available in the policy wording. This is a single premium payment to add cover to the full term or any remaining term of the policy. The cover cannot be removed once added. |
| Q: | Does the policy cover aerobatics? |
| A: | This is an additional option that can be added to the policy. This additional policy option provides coverage during the policy period for flights in the insured aircraft undertaken by the insured pilot for the purpose of non-competitive aerobatics. Cover is subject to national and / or international air regulations. The pilot must hold the appropriate aerobatic licence rating for the aircraft and have received the appropriate training required to perform aerobatic manoeuvres. Full details including any conditions and exclusions, are available in the policy wording. This is a single premium payment to add cover to the full term or any remaining term of the policy. The cover cannot be removed once added. |
| Q: | Do you insure Drones? |
| A: | Yes but you will need to go to our drone site to get a quote as this is our aviation site. Go to the menu bar above, select home ( it looks like a house). You will then go to our home page. Select Commercial Drones and you will be able to get a quote or find out more about our drone policies. |
| Q: | I haven't received my certificate of insurance or schedule where can I find them? |
| A: | We email your documents to the email address you have provided, they should be with you in a few minutes after you have purchased a policy or booked a days cover. If they haven't arrived please check your junk folder. A copy of your certificate is always available in your FlyCovered account and you can download it from there. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Schedules and Certificates are located here, click on any of the documents you would like to view or download. If you have a Pay-As-You-Fly or Ground Cover+ policy, you can also click on any day you have booked to view or download the Certificate for that day. |
| Q: | Where can I get a copy of my insurance certificate or schedule? |
| A: | A copy of your certificates and schedules are always available in your FlyCovered account. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Certificates and Schedules are located here, click on any of the documents you would like to view or download. If you have a Pay-As-You-Fly or Ground Cover+ policy; you can also click on any day you have booked to view or download the Certificate for that day. |
| Q: | I have a Pay As You Fly policy. Where do I find my certificate of insurance when I book a day? |
| A: | We email your documents to the email address you have provided and they should be with you in a few minutes. If they haven't arrived please check your junk folder. A copy of your certificate is always available in your FlyCovered account and you can download it from there at anytime. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Certificates and Schedules and are located here, click on any of the documents you would like to view or download. You can also click on the day you have booked in your calendar to view or download the certificate of insurance for that day. |
| Q: | I have a Ground Cover+ policy. Where do I find my certificate of insurance when I book a day? |
| A: | We email your documents to the email address you have provided and they should be with you in a few minutes. If they haven't arrived please check your junk folder. A copy of your certificate is always available in your FlyCovered account and you can download it from there at anytime. Log into your account and select MANAGE MY POLICY, select My Dashboard, your Certificates and Schedules are located here, click on any of the documents you would like to view or download. You can also click on the day you have booked in your calendar to view or download the certificate of insurance for that day. |
| Q: | If I am 76 during the policy term do I have to stop flying? |
| A: | No your policy will not be cancelled. 76 is our maximum age at the time of application. We will look at all the circumstances at renewal. |
| Q: | Does the policy cover Third Party War, Terrorism and Allied Perils? |
| A: | Yes it does. It is shown in the policy wording under Endorsement 7 EXTENDED COVERAGE (Aviation Liability) this may also be known as AVN 52. It will also be shown in your Certificate Of Insurance under section 7. LIABILITY LIMITS OF INSURANCE APPLICABLE TO THIS CERTIFICATE: (b) Third Party War, Terrorism and Allied Perils being insured on an aggregate basis as above, as permissible in accordance with Article 7.1 of EC Regulation 785/2004. |
| Q: | Is instruction to gain a rating and conversion training covered under the policy? |
| A: | We cover any named pilot for advanced instruction. This means use of the aircraft on an Insured Flying Day, for flight training of a pilot shown in the Schedule, for a purpose other than obtaining a licence necessary to command the aircraft. Advanced instruction includes but is not limited to continuation training, instruction to gain a rating and conversion training. We do not cover any Ab-Initio Instruction. If you have a Pay As You Fly / On Demand or Ground Cover+ policy you will need to book an Insured Flying Day in your calendar. |
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Or email us on [email protected]
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Product Information
Insurance Product Information Document for FlyCovered aviation policy.
For policies starting prior to 1st December 2022
For policies starting on or after the 1st December 2022
Policy Wording
Policy wording for the FlyCovered aviation insurance policy.
For policies starting prior to 1st December 2022
For policies starting on or after the 1st December 2022
