Minimum liability insurance requirements in Europe

[philippevd]

Hi,

I've been trying to look up what liability insurance coverage is legally required in Europe. I'm insuring a 4-seat Grumman Cheetah.

In an article from AOPA, I read that aircraft third party liability and passenger liability are both required, and up to a value depending on MTOW. (See below)

I've contacted a German insurer, who tells me the passenger liability is not required, so basically I'll be fine with only third party liability. What is the correct requirement on this topic?

Thanks

JP


Passenger Liability:

• $250,000 SDRs (Special Drawing Right as defined by the International Monetary Fund) or $378,425 U.S. dollars* per passenger on aircraft weighing 2,700 kg (5,954 lb) or more.
• EU Member States may apply a reduced insurance minimum of 100,000 SDRs or $151,370 U.S. dollars per passenger for non-commercial operations by aircraft weighing less than 2,700 kg (5,954 lb).

Third Party Liability Per Aircraft:
Up toMTOW (kg)MTOW (lb)SDRsU.S. Dollars*5001,103750,000$1,135,2751,0002,2051,500,000$2,270,5 502,7005,9543,000,000$4,541,1006,00014,5537,000,000$10,595,9 0012,00026,46018,000,000$27,246,60025,00055,12580,000,000$12 1,096,00050,000110,250150,000,000$227,055,000200,000441,0003 00,000,000$454,110,000500,0001,120,500500,000,000$756,850,00 0Over 500KSee Above700,000,000$1,059,590,000MTOW = Maximum takeoff weight
* Rate as of April 19, 2005

[bookworm]

The regulation is here

[bookworm]

I've contacted a German insurer, who tells me the passenger liability is not required, so basically I'll be fine with only third party liability. What is the correct requirement on this topic?

I think they're wrong. The state can reduce the amount per passenger seat from SDR 250,000 to 100,000, but cannot eliminate it. Thus, with the disclaimer that you should not rely on this, I think you need SDR 1,500,000 3rd party (assuming the Cheetah is 998 kg) + between 300,000 and 750,000 for passenger liability, depending on the state requirements.