Overview Three sections Policy review Request checklist FAQs
Aircraft protection
Physical loss of or damage to the insured aircraft under the hull section.
Third-party liability
Specified legal liabilities to people and property outside the passenger exposure.
Passenger liability
Specified legal liabilities toward passengers, with baggage terms reviewed separately.
Hull insurance is not the same as liability insurance
Aircraft hull insurance principally concerns physical loss of or damage to the aircraft. A wider aviation insurance arrangement may combine hull protection with third-party and passenger liability sections, but those liability protections should not be assumed merely because a policy is described as “hull insurance.”
This guide explains three areas to review together. Whether they are combined in one policy or arranged separately, the schedule, wording, limits, exclusions, and endorsements determine the actual cover.
Our intermediary support helps organize the aircraft and operational information, identify the relevant sections, and coordinate insurer communication. Arrangement and issuance support remain subject to relevant authority, underwriting acceptance, applicable requirements, and written confirmation.
Explore the aircraft policy overview, aviation policies, and aviation insurance solutions for related guidance.
Who this service is for
- Aircraft owners: protecting the aircraft and identifying any related insurance interests.
- Operators and managers: aligning liability requirements with operations, passengers, and approved aircraft use.
- Commercial aviation stakeholders: organizing contracts, insured parties, limits, and evidence of cover.
- International clients: reviewing Iran-linked aviation requirements and any declared cross-border operations.
- Businesses with connected logistics: coordinating aviation insurance with separate cargo or other relevant classes.
How we support the placement discussion
We review the aircraft profile, applicant’s interest, operating use, territories, and requested protection. The objective is a coherent underwriting submission rather than a generic request for an aviation quotation.
- Clarify which aircraft and parties need to be insured.
- Identify required hull, third-party, and passenger sections.
- Coordinate values, liability limits, deductibles, and contract requirements.
- Organize aircraft, operator, pilot, and loss-history information where required.
- Support clarification of proposed wording and unresolved underwriting questions.
Read more about our intermediary role and international insurance services.
Three core sections to assess together
These are three distinct coverage sections in a broader aviation insurance review, not three automatic benefits of every hull policy.
Aircraft hull: physical loss or damage
The hull section addresses loss of or damage to the insured aircraft caused by insured risks, subject to the agreed valuation, deductible, and policy conditions. Review how ground, taxiing, and flight activity are treated rather than assuming identical protection in every phase.
Emergency landing, recovery, protection, or saving expenses may be payable only where the wording provides for them. Confirm any sublimits, approval requirements, and conditions before relying on expense cover.
Third-party legal liability: non-passengers
This section addresses specified legal liabilities for bodily injury, death, or property damage involving non-passenger third parties arising from insured aviation operations. An aircraft accident or falling objects may create an exposure, but the policy and applicable law determine whether a claim falls within cover.
Confirm insured activities, liability limits, exclusions, defence-cost treatment, notification duties, and restrictions on admitting liability or agreeing settlements.
Passenger legal liability
Passenger liability addresses specified legal responsibilities toward passengers. Review the applicable treatment of boarding, carriage, and disembarkation, together with insured-party definitions and liability limits.
- Check whether limits apply per passenger, per occurrence, or as a combined limit.
- Review baggage and personal belongings under the actual wording.
- Do not assume air cargo liability is included within passenger liability.
- Confirm which laws or conventions apply to the operation before selecting limits.
See legal liability to aircraft passengers for a focused service guide.
What to check before comparing quotations
| Section |
Main interest |
What to verify |
| Hull |
The insured aircraft |
Valuation, aircraft use, operating phases, deductible, and expense provisions. |
| Third-party liability |
Specified non-passenger liabilities |
Insured activity, limits, exclusions, defence costs, and territorial scope. |
| Passenger liability |
Specified liabilities toward passengers |
Passenger profile, seating, applicable law, limits, and baggage terms. |
- Aircraft and operations: confirm registration, use, aircraft schedule, operators, and any pilot requirements.
- Territories: declare countries, routes, bases, and intended operations for acceptance.
- Limits and values: distinguish the hull sum insured from third-party and passenger liability limits.
- Exclusions and extensions: review war, hijacking, and other specialist risks expressly; do not assume they are included.
- Contracts and evidence: submit lease, finance, or operational insurance requirements before accepting proposed terms.
- Legal and payment feasibility: obtain appropriate review of local rules, licensing, applicable sanctions, and payment arrangements.
Use the aviation clauses page as supporting reading. Actual policy wording and any applicable legal obligations must be checked for the specific operation.
Need help matching the sections to your operation?
Share the aircraft profile, use, operating territory, values, and liability objectives. Begin with the aircraft questionnaire or contact the team if the policy structure is unclear.
Why clients use coordinated aviation support
- A clearer distinction between physical aircraft protection and legal liability.
- One organized submission covering aircraft, operating, and contractual information.
- Attention to passenger, third-party, and cargo interfaces where relevant.
- Support with international communication and insurer questions.
- A practical route from initial inquiry to review of proposed terms.
Coordination improves the structure of the discussion. It does not guarantee insurance availability, a particular premium, immediate issuance, unrestricted territories, or claim payment.
Information to prepare for an aviation request
- Aircraft type, registration, year, use, and declared value where required.
- Owner, operator, manager, lessor, or financing interests to be considered.
- Operating bases, routes, territories, and intended policy dates.
- Passenger profile, seating capacity, and relevant carriage activities.
- Pilot, maintenance, and operational records where requested.
- Requested hull and liability sections, limits, deductibles, and any special extensions.
- Prior insurance, claims history, incidents, and contractual requirements.
Start with the aircraft and helicopter request form. If transported goods require separate consideration, review cargo insurance. Larger or capacity-sensitive requirements may also call for reinsurance review.
Before relying on cover: obtain written confirmation of the insurer, insured aircraft and parties, accepted use, territories, policy dates, limits, exclusions, premium arrangements, and any required evidence of insurance. A completed questionnaire or indicative quotation is not confirmation of bound cover.
If a loss occurs, follow the issued policy’s reporting requirements promptly. See claims guidance for international companies for broader service information.
Frequently asked questions
What are the three main areas to review in an aviation insurance programme?
Aircraft hull protection, non-passenger third-party liability, and passenger liability. They may be combined or arranged separately; they are not automatically included in every hull policy.
Does aircraft hull insurance automatically cover passengers and third parties?
No. Hull insurance principally addresses physical loss of or damage to the aircraft. Passenger and third-party liabilities must be confirmed under the relevant sections or separate policies.
Can emergency landing and aircraft saving expenses be covered?
They may be, if the policy expressly provides for them. Limits, conditions, approval requirements, and the circumstances of the event must be checked.
What third-party losses may be relevant?
Bodily injury, death, or property damage involving non-passenger third parties may create legal liability. Coverage depends on the insured operation, facts, applicable law, and policy terms.
Can passenger baggage and personal belongings be included?
Possibly, under the relevant wording and limits. Review baggage and belongings separately, and do not assume that air cargo liability is part of passenger liability.
Are compensation limits the same in every case?
No. Insurance limits and applicable legal liability requirements may differ by operation, jurisdiction, contract, carriage, and policy structure. Confirm the required limits for the actual activity.
Who typically needs aviation hull and liability guidance?
Aircraft owners, operators, managers, lessors, and commercial or international aviation stakeholders with physical aircraft or liability interests.
Can you help arrange aviation insurance in Iran?
We help organize requests and coordinate placement discussions with Iranian insurers, subject to the risk, underwriting acceptance, relevant authority, and applicable requirements.
Can requests include operations outside Iran?
Cross-border operations can be submitted for review, but countries, routes, aircraft use, local insurance rules, licensing, and other applicable restrictions must be expressly assessed. Worldwide cover is not automatic.
Why should liability sections be checked separately?
Passenger and third-party liabilities differ from aircraft physical damage. Their insured interests, limits, exclusions, and legal requirements can also differ.
Which details help underwriters assess a request?
Aircraft and operator particulars, use, territories, values, requested sections and limits, passenger profile, pilot and maintenance information where required, loss history, and contracts.
What is the next step?
Contact the team or submit the aircraft questionnaire. Review the proposed insurer, scope, territories, dates, limits, exclusions, and evidence of insurance before relying on cover.
A clearer aviation insurance structure
Aviation insurance is easier to assess when physical aircraft damage, third-party liability, and passenger liability are treated as distinct sections. Start with the aircraft, operation, and insured interests, then check how the proposed policy addresses each requirement.
We help organize that review and coordinate requests through Iranian insurance companies, subject to underwriting, applicable requirements, and agreed terms.
Start your aviation insurance inquiry
Prepare the aircraft details, operating use, territories, requested values and limits, and required dates. Use the form for a structured submission or contact the team for initial guidance.