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`	Array{ name: string, nature_of_interest: 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"
}