Helimut
Word of caution, before you part with your drinking vouchers, read the small print.
Some of the catch all's:
1. You are insured only for the description shown under "occupation" If you put: 'pilot' then it will only pay out if you cannot fly-full stop. If there is a chance you could still 'medically' fly in the company of another pilot, then they will not pay out! Make the job description specific (like: single pilot ops etc).
2. Check the deferred pay out period, for a few pounds more you can reduce this period quite significantly. (normally they won't pay out for a year+)
3. Did you know that 85% of applications to the CAA for "loss of licence" are amended to read: 'suspended'.
This means the insurance won't pay out
You would need to suffer from a terminal illness/Diabetes/partial blindness etc for a payout.
I don't mean to put you off, but experience with the industry on a number of cases has uncovered a plethora of inconsistencies and lots of 'insurance parlance'. Read it thoroughly and then read it again! Tailor it to your needs and come to an arrangement with the underwriters thru your intermediary. A good one is worth its weight in gold.
You may want to consider: employment protection, or a pick and mix
