Car insurance “airfield” exclusion
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Car insurance “airfield” exclusion
Had a fender bender at the field recently, the tractorman backed his pickup into a visiting aircraft in the yard. The elevator took a bit of a knock on one end but the planes brakes were off so it got pushed forward saving it from major damage. Interestingly, in the ensuing pissing match between the insurers the farm worker was informed by his agent that 90% of UK vehicle policies specifically state they do not cover “airside” accidents but his policy went even further by stating any accidents with aircraft anywhere aircraft are operating is excluded. The upshot is the aircraft owner got the insurer to write off the plane with a hull buyback for a nominal fee and as expected the insurers have hired some ambulance chaser to persue the pickup owner for the full value they paid the owner minus the buyback.
Bottom line, don't assume your vehicle is insured anywhere near an aircraft no matter where it is.
Bottom line, don't assume your vehicle is insured anywhere near an aircraft no matter where it is.
I asked for airside insurance from my company because the old tower car park at Farnborough had no barrier, apart from a white line on the tarmac, between the car park and the apron.
It came back with the proviso 'except when operating in an area to which aircraft have access'!
It came back with the proviso 'except when operating in an area to which aircraft have access'!
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I first came across this clause in the late 1980s after my broker changed my insurance company for the cover on my daily commuter car. I was given a series of cover notes rather than policy documents and I had to repeatedly chase the broker to get it sorted. When I finally received the written policy details, which didn't arrive until about five months after taking out the cover, I read the small print only to discover cover was (quote) "null and void when driving in, on, or around any aviation location".
I immediately phoned the broker only for them to try to fob me off and deflect the blame back on me because they claimed they hadn't realised I might need to drive near an airfield.
I then pointed out that my stated occupation was "RAF Officer (Pilot)" and there was a deafening silence. They eventually got clarification that I could in fact drive to work on the station but not "airside". On the station I worked at "airside" was demarked only by a white line adjacent to the hangar car park. Obviously, I didn't use that broker again!
I immediately phoned the broker only for them to try to fob me off and deflect the blame back on me because they claimed they hadn't realised I might need to drive near an airfield.
I then pointed out that my stated occupation was "RAF Officer (Pilot)" and there was a deafening silence. They eventually got clarification that I could in fact drive to work on the station but not "airside". On the station I worked at "airside" was demarked only by a white line adjacent to the hangar car park. Obviously, I didn't use that broker again!
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I first came across this clause in the late 1980s after my broker changed my insurance company for the cover on my daily commuter car. I was given a series of cover notes rather than policy documents and I had to repeatedly chase the broker to get it sorted. When I finally received the written policy details, which didn't arrive until about five months after taking out the cover, I read the small print only to discover cover was (quote) "null and void when driving in, on, or around any aviation location".
I immediately phoned the broker only for them to try to fob me off and deflect the blame back on me because they claimed they hadn't realised I might need to drive near an airfield.
I then pointed out that my stated occupation was "RAF Officer (Pilot)" and there was a deafening silence. They eventually got clarification that I could in fact drive to work on the station but not "airside". On the station I worked at "airside" was demarked only by a white line adjacent to the hangar car park. Obviously, I didn't use that broker again!
I immediately phoned the broker only for them to try to fob me off and deflect the blame back on me because they claimed they hadn't realised I might need to drive near an airfield.
I then pointed out that my stated occupation was "RAF Officer (Pilot)" and there was a deafening silence. They eventually got clarification that I could in fact drive to work on the station but not "airside". On the station I worked at "airside" was demarked only by a white line adjacent to the hangar car park. Obviously, I didn't use that broker again!
For many years my car policies, from a variety of insurers, have had a clause excluding "anywhere aircraft have access to". They don't know I am a pilot and part-owner of arcraft.
I stay out of airside, parking outside a farm strip and carrying stuff over the fence.
If I find myself in the situation of the US guy, driving to work on a dark morning, who was hit by a Cirrus descending under its parachute, I hope for media support.
I stay out of airside, parking outside a farm strip and carrying stuff over the fence.
If I find myself in the situation of the US guy, driving to work on a dark morning, who was hit by a Cirrus descending under its parachute, I hope for media support.
I think every car insurance policy I've had since my first one (in 1977) has had this sort of clause - I thought they were universal. The argument is that aircraft are fragile and any damage is going to be expensive, so they don't inflict the cost of this liability on the >99% of their customers who never go near aircraft movement areas. I've worked on airfield sites since 1990 and my employer has always made it clear that 3rd-party damage cover whilst on our or our customer's airfields is the company's problem, not mine.
PDR
PDR
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