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Light Aircraft Cover

Simple affordable hull and liability cover for aircraft up to 750kg MTOW


Parameter Explanations

Parameter Type Description
product String The product slug: “lightaircraftau”
registration_organization String The identifier for the registration organisation selected, from the list provided in the product info response
raaus_liability_confirmation Boolean Required if registration_organization is raaus, must be true to signify the insured has read the text shown in the , see notes
hull_required Boolean Required, set to true if hull cover is required, otherwise set to false
hull_value Integer Required if hull cover is required, the number in dollars that represents the value of the aircraft
risk_type String The identifier for the risk type selected, from the list provided in the product info response
pro_rata_contribution String Required if hull cover is required, keep or remove, see notes
hull_deductible String Accepted and Required if risk_type is ‘flight_and_ground’. The identifier for the registration organisation selected, from the list provided in the product info response. See notes
claims String Accepted and Required if risk_type is ‘flight_and_ground’. The identifier for the registration organisation selected, from the list provided in the product info response
pilot_hours String The identifier for the registration organisation selected, from the list provided in the product info response
uses String The identifier for the registration organisation selected, from the list provided in the product info response
tailwheel_undercarriage String Required if risk_type is ‘flight_and_ground’, does the aircraft have this feature, yes or no
retractable_undercarriage String Required if risk_type is ‘flight_and_ground’, does the aircraft have this feature, yes or no
weight_shift String Required if risk_type is ‘flight_and_ground’, does the aircraft have this feature, yes or no
two_stroke_engine String Required if risk_type is ‘flight_and_ground’, does the aircraft have this feature, yes or no
auto_engine String Required if risk_type is ‘flight_and_ground’, does the aircraft have this feature, yes or no
liability String Required if hull_required is false. The identifier for the liability limit selected, from the list provided in the product info response
pilot_pa_required Boolean Required, does the insured require pilot personal accident cover
pilot_pa String Required if pilot_pa_required is true. The identifier for the pilot PA selected, from the list provided in the product info response
pilot_name String Required to bind when pilot_pa_required is true, The name of the pilot
premises_cover_required Boolean Required, does the insured require premises cover
premises_cover String Required if premises_cover_required is true. The identifier for the premises cover amount selected, from the list provided in the product info response
registration_number String The registration number of the aircraft
selected_aircraft_model String The identifier for the aircraft model selected, from the list provided in the product info response
other_parties String Optional, an array of parties with an interest in the aircraft. Each entry in the array must follow { "name": string, "nature_of_interest": string }
premises_address1 String The street address where the aircraft is located
premises_address1 String Optional, The second line of the street address where the aircraft is located
premises_locality String The city/suburb address where the aircraft is located
premises_post_code String The post code where the aircraft is located
region String The State where the aircraft is located
premises_country_code String The country where the aircraft is located (should be AU!)
name String The name of the person responsible for the policy
email String The email address of the person responsible for the policy
name_of_insured String Optional, The name of the insured party if it differs from name

Notes

Registration Organisation

If registration_organization is raaus, the insured must acknowledge that they have read and agreed with the following text:

Confirm that you understand the coverage afforded by the RAAus members liability insurance policy is for $20,000,000 in total but the maximum that policy will pay in respect of a claim made by a passenger in your aircraft is only $250,000.

Hull Deductible

The actual amount of each identifier represents varies depending on the hull_value. The calcalations are as follows:

  • hull_deductible_0: 1% of the Hull Value, or $1,000.00 if the hull value is less than $100,000.
  • hull_deductible_1: 2.5% of the Hull Value, or $2,500.00 if the hull value is less than $100,000.
  • hull_deductible_2: 5% of the Hull Value, or $5,000.00 if the hull value is less than $100,000.

Pro Rata Contribution

Some help text may be useful to the user filling out the form to explain this field:

If you select “Remove”, it means that you will be obliged to contribute toward the cost of Units repaired or replaced, as outlined in Section 1.14(b) of the PDS. If you select “Keep”, We will pay the full price to repair or replace such items.’,

Minimum Parameters to get a quote

This will vary depending on the options selected.

With All Cover

{
    "product": "lightaircraftau",
    "registration_organization": "raaus",
    "raaus_liability_confirmation": true,
    "hull_required": true,
    "hull_value": 23500,
    "hull_deductible": "hull_deductible_0",
    "liability": "liability_0",
    "risk_type": "flight_and_ground",
    "claims": "claims_0",
    "pilot_hours": "pilot_hours_0",
    "uses": "private",
    "pilot_pa_required": true,
    "pilot_pa": "pilot_pa_0",
    "premises_cover_required": true,
    "premises_cover": "premises_cover_0",
    "tailwheel_undercarriage": "no",
    "retractable_undercarriage": "yes",
    "weight_shift": "no",
    "two_stroke_engine": "no",
    "auto_engine": "yes",
    "premises_address1": "75 Fake Street",
    "premises_locality": "Melbourne",
    "premises_post_code": "3000",
    "premises_country_code": "AU",
    "region": "VIC",
    "pro_rata_contribution": "keep"
}

Liability Only with Casa registration

{
    "product": "lightaircraftau",
    "registration_organization": "casa",
    "hull_required": false,
    "liability": "liability_2",
    "pilot_pa_required": false,
    "premises_cover_required": false,
    "region": "VIC",
}

With Just Hull Ground Cover

{
    "product": "lightaircraftau",
    "region": "VIC",
    "registration_organization": "raaus",
    "raaus_liability_confirmation": true,
    "hull_required": true,
    "hull_value": 23500,
    "risk_type": "ground_risk_only",
    "pilot_pa_required": false,
    "premises_cover_required": false,
    "pro_rata_contribution": "remove"
}

All Parameters

{
    "product": "lightaircraftau",
    "region": "VIC",
    "name": "Mary Smith",
    "email": "mary@example.com",
    "registration_organization": "raaus",
    "raaus_liability_confirmation": true,
    "hull_required": true,
    "hull_value": 23500,
    "hull_deductible": "hull_deductible_0",
    "liability": "liability_0",
    "risk_type": "flight_and_ground",
    "claims": "claims_0",
    "pilot_hours": "pilot_hours_0",
    "uses": "private",
    "pilot_pa_required": true,
    "pilot_pa": "pilot_pa_0",
    "premises_cover_required": true,
    "premises_cover": "premises_cover_0",
    "tailwheel_undercarriage": "yes",
    "retractable_undercarriage": "yes",
    "weight_shift": "yes",
    "two_stroke_engine": "yes",
    "auto_engine": "yes",
    "registration_number": "NJ1969",
    "selected_aircraft_model": "aeronca_11ac",
    "other_parties": [{ "name": "John Smith", "interest": "Co-owner" }],
    "pilot_name": "Mary Smith",
    "premises_address1": "75 Fake Street",
    "premises_locality": "Melbourne",
    "premises_post_code": "3000",
    "premises_country_code": "AU",
    "pro_rata_contribution": "keep"
}