Life Insurance

[Brad2523]

I'll be calling my insurer on Monday as the thought has only just crossed my mind, but if you have a ppl would a standard life insurance policy cover a flying accident?

I have a policy to cover the mortgage etc, but wondered if this would pay out to the oh should a series of unfortunate events occur whilst on a jolly.

[Littlest Hobo]

The insurer I used when I took out a mortgage would not agree to cover me for recreational flying so I took out a new policy with L&G when I started PPL training and they had no issues with it.

[ETOPS]

Brad2523

I recommend telling your insurer as there may be a "disclosure" clause in the policy. Thus if you succumb to something that is covered, but they then find out you didn't tell them about the private flying, they may tried to avoid paying out because you didn't notify them. If they cause problems find another insurer - I use L & G who didn't have any issues with my hobby...

[abgd]

I went through Stein pilot insurance and was found a deal through Prudential. Income protection was harder.

[9 lives]

I did have to find a co operative insurer, but once I did, no problem. Actually, the helicopter flying attracted more alarm than the fixed wing flying I do. The informed insurance agent told me I was paying a slight increase over a non pilot policy, but nowhere near the additional premium a smoker would have to pay.

Amusingly, I am covered for everything 24/7 as a firefighter - except flying. During the information session with the insurance agent years back, I confirmed that I was not covered while flying - "no, you're not.". But, I was covered for any firefighting activity? "yes, you are.". So what if I'm flying a plane for the fire department. The suddenly alarmed agent turned to the Chief, and asked: "does he do that?". "Yes, he does.". Well, he's not covered. With that, I stood up, and told my fellow firefighters that if I'm ever killed in a plane crash, when they get to the scene, drive the fire truck over me. Problem solved.

Short sighted insurer, I'm covered to walk into a burning building with a compromised floor, but not in a perfectly serviceable plane!

[swopiv]

Stein Pilot Insurance (www.flyingcover.co.uk) arranged a very good deal for me some years ago. Highly recommended.