Private Flying & Life Insurance
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Private Flying & Life Insurance
Flying your own plane or other vehicle is an experience like no other, just you and the sky. When you apply for things life like insurance insurers do want to know if you are privately flying.
Insurers tend to think of private flying as far more risky then going on your holidays as a passenger on a commercial flight. This is because there can be concerns over the safety procedures, experience and other factors that lead insurers to think that private flying isn’t the safest hobby in the world.
To get you life insurance our advisers will ask you:
- How often are you flying?
- How many flying hours have you completed?
- How many flying hours are you intending to do in the next 12 months?
- What kind of aircraft do you fly?
- Do you take part in competitions?
- Is your flying in the UK or abroad?
A key thing for insurers is how many hours you intend to be up in the air each year. They generally see you being in the air as far more risky for your life, than you being on the ground because if something goes wrong it could go really really wrong.
There are quite a lot of insurers that can offer life insurance to people that privately fly, but you can find that the prices can quickly shoot up. It’s incredibly important that research is done across the insurance market to find you life insurance that gives you the most competitive premium.
If you are doing a one-off private flying experience day this should not affect your ability to get life insurance at normal terms.
Our award winning advisers will find the best life insurance to meet your needs.
Private Flying & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover can potentially be available to you but will depend upon the hours you spend in the air and the type of vehicle you are flying. You may find that some insurers add an exclusion to your critical illness policy due to your flying. Whilst this is not what you will want, the critical illness policy will still cover you for many situations that will not be linked to private flying i.e. cancer.
Our expert advisers will find the right insurer and best critical illness policy to match you and your hobby.
Private Flying & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection insurers can be a bit reluctant to offer this type of insurance if you are regularly flying. That’s not to say that all of them will be! It’s just a matter of finding the right insurer for you and also being mindful that it’s likely that any claim that is caused by your flying, probably won’t be covered.
Our advisers will make sure that you are offered the best terms possible for income protection.
Private Flying & Travel Insurance
Are you going abroad to take part in private flying? It’s a good idea to make sure that your travel insurance doesn’t have exclusions for private flying. We suggest speaking with a specialist travel insurance broker. You can find more details on our travel insurance page.
Fun Facts
- The world’s most expensive private jet is estimated to have cost $500 million.
- One of the smallest business jets in the world has a wingspan of 8.68m.
- In the UK it takes between 1-2 years to get your private flying license.
Popular Pastimes
- Fixed wing aircraft
- Gyrocopter
- Helicopter
Possible Risks
- Aerobatics
- Crash
- Equipment malfunction
Additional Considerations
- Competitions
- Frequency
Common Questions
Hi, this is one of those times where it is best to have an adviser who can speak with an underwriter for you and get a record of their guidance for you. You might be considering getting your pilots license again in 10 years or so, but a lot can happen in that time, you might not do. The key thing is that you don’t have a pilots license right now and have no plans of flying anytime soon.
Insurers often want to know about what you plan on doing in the next 2 years, so it’s likely that your future flying might not come up in the application, but it’s always worth a double check with the insurer. We will happily do this for you.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 800 reviews.
Review by Edward on 11th July 2023
“Found suitable insurers in a very short space of time. My old insurance providers were withdrawing the product which I had. Cura were able to find me new insurers at a similar price in a very short space of time and transfer my insurance history from the old to new providers thus I avoided a 3 month wait in claim period.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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