The 7 Deadly Sins of Aviation Insurance

Elsewhere in this issue, you have read about the need to remain within the Coverage Envelope in order to ensure hassle-free claims settlements.

There are, however a few “Deadly Sins” which no Insurer is able to overlook, no matter how sympathetically they may wish to consider your claim. Committing a Deadly Sin will most likely lead to the denial of coverage, even if the actual loss was in no way connected.

So, in no particular order of importance (they’re all important!) here are the 7 Deadly Sins of Aviation Insurance:

- Flying IMC without a valid Instrument Rating

- Running out of fuel in-flight

- Commencing a flight without a valid C of A

- Flying without a valid pilot licence

- Operating an air service without an air service licence

- Overstating any pilot’s flying experience on an insurance proposal

- Understating any loss history on an insurance proposal

Commit any of these 7 Deadly Sins and chances are pretty good that you’ll be left without coverage, irrespective of the actual cause of your loss.