Charter Aircraft Insurance from Avcover

Charter aircraft insurance is specialised cover designed to protect aircraft used for commercial charter operations. It typically includes hull (damage) and liability (legal) cover, tailored to the unique risks of carrying passengers or cargo for hire.

General aviation insurance usually covers private or non-commercial aircraft. Charter aircraft operate commercially and face higher risks and stricter regulatory requirements, so they require more comprehensive cover.

We can arrange cover for a wide range of charter aircraft — from small piston aircraft and turboprops to light jets and multi-engine aircraft — whether you operate one aircraft or a fleet.

Typical policies can cover physical damage to your aircraft, passenger and third-party liability, cargo liability, loss of use, and hangarkeepers’ liability if required. Your policy will be tailored to match your operation.

Charter aircraft insurance premiums are calculated based on the specific risk profile of your operation. Insurers consider factors such as the type and value of your aircraft, how and where you operate, the routes you fly, and the number of hours you log each year. The experience and safety record of your pilots also play a significant role, as well-trained, highly experienced crews generally reduce the perceived risk for insurers.

Other elements, like the regions you operate in, the nature of your charter work, and your claims history, also influence pricing. Operators with a clean safety record, for example, are often rewarded with more competitive rates. At Avcover, we work closely with insurers to ensure your premium accurately reflects the real-world risks of your charter operation, so you’re properly protected without paying for unnecessary extras.

Yes. Fleet policies can be arranged to cover multiple charter aircraft under a single insurance program, which often delivers cost and administrative efficiencies.

If an incident occurs, Avcover will guide you through every step of the claims process to help minimise disruption to your operations. We act as your advocate – coordinating directly with insurers, handling the required documentation, and keeping the process moving as quickly and smoothly as possible.

Our team will:

• Provide clear guidance on what information and evidence you need to supply
• Liaise with the insurer and loss adjusters on your behalf
• Keep you informed at every stage of the assessment and settlement process
• Work to ensure you receive a fair and timely outcome

Our goal is always to get you back in the air as quickly and safely as possible, while ensuring your claim is resolved efficiently and accurately.

Yes. Your policy can be updated at any time to reflect changes in your fleet, Yes. As your charter business expands, your insurance policy can be updated to reflect changes in your operation. This includes adding new aircraft to your fleet, increasing passenger capacity, expanding into new routes or regions, or changing the nature of your charter services (such as adding cargo flights or introducing larger aircraft).

At Avcover, we regularly review policies with our clients to ensure their cover continues to match their operational profile and risk exposure. Adjusting your cover as you grow helps avoid gaps in protection, ensures you stay compliant with regulatory requirements, and gives confidence to clients, partners and regulators that your business is adequately insured.

With over 30 years of aviation insurance experience, Avcover understands the operational risks and regulatory requirements of charter flying. We work with a network of trusted insurers to secure the right cover and support you from policy placement through to claims.

Avcover provides comprehensive insurance solutions for a wide range of aircraft types and aviation operations. Our aircraft insurance covers everything from ultralights and recreational aircraft to fixed-wing GA aircraft, helicopters, and jet or turbine-powered planes. Each policy is tailored to suit your specific aircraft type, usage, and operational requirements – giving you confidence that you’re protected both in the air and on the ground.