Life Insurance for Private Flying

Life Insurance

Insurers consider private flying riskier than being a passenger on a commercial flight during holidays. Private flying may raise concerns regarding safety procedures, experience, and other factors, which could potentially impact insurers’ views on the safety of this hobby.

In order to secure life insurance, our advisers will inquire about the following:

1. What frequency do you fly at?

1. What is your total flying hours count?

1. What is your projected number of flying hours for the upcoming 12 months?

1. Which type of aircraft do you pilot?

1. Are you involved in competitions?

1. Are you flying domestically in the UK or internationally?

One important factor for insurers is the number of hours you plan to spend in the air annually. The general perception is that being in the air poses a higher risk to your life than being on the ground due to the potential for significant consequences if something goes awry.

There are many insurers available to provide life insurance for private flyers, but it’s important to be aware that prices can increase rapidly. It is crucial to conduct extensive research in the insurance market to secure life insurance with the most competitive premium.

Participating in a one-off private flying experience day should not impact your eligibility for life insurance at standard rates.

Critical Illness

The availability of critical illness cover depends on the hours spent in the air and the type of vehicle flown. Some insurers may include an exclusion on your critical illness policy because of your flying activities. Although it may not be your preference, the critical illness policy will provide coverage for a variety of situations unrelated to private flying such as cancer.

Income Protection

Income protection insurers may hesitate to provide this insurance if you frequently travel by air. Not all of them will necessarily be like that. Selecting the appropriate insurance provider is essential, and it’s important to be aware that flying-related claims may not be included in your coverage.