Airside Insurance (For Car)
 

It is well know (I hope) that most standard motor policies are underwritten to include an exclusion for "damage caused by using the vehicle in or on any area where aircraft normally land, take off, move or park". Does anyone know if it is possible to take out seperate insurance for this purpose, ideally only on an ad-hoc basis?

Regards
Ryan

In case it helps, I checked this with my insurer and their definition of airside was 'aircraft manoeuvring areas' - meaning the runway, taxiways and apron.

Just being airside in the sense of being the 'other side of the fence' didn't invalidate cover.

Thanks for that. I did check with my insurer to see if they could waive the exculsion (for an additional premium) but turns out they won't accept the risk at all!!

In my case, I would only be 'airside' on a rare occasion, but this would include the aapron, taxiways and runway.

Although the clause was written with bigger airports in mind, it is usually interpretted to cover any area available for the movement of aircraft. This will include on most airfields some areas that are available for cars and aircraft.

Aircraft insurers like Trafford's include an extension to cover the named pilots' cars when they are airside. It may be worth contacting them to see whether they offer it as a stand-alone cover.

I just checked my Trafford's policy and it covers third party damage caused by my car whilst airside, but not the car itself.

So if I drive into some's pride and joy, that's covered but if someone uninsured lands on top of my car, then it isn't.

Damage to your car would be covered because the vehicle is insured to be there (assuming you have permission to be there of course). That would fall under the aircrafts insurance to a third party - it would be the same as landing on top of any other airport vehicle or person, which would of course be impossible if he was wearing a hi-viz! ;)

All I'm after is to be covered against damage to someone else's pride and joy - though if I managed to drive my car into a plane/helicopter in all that wide open space I'd certainly consider whether or not I should be allowed a driving licence never mind a pilot's one!!

I'll give Trafford's a jingle in the morning. Thanks for the help!

First time I came across this was in about 1990. My broker changed insurer on my behalf, supposedly to get me a better deal. After I had to chase the broker when the cover notes ran out twice, they advised me that the new company did tend to be a "bit slow" sending out policy documents.

It finally arrived after about five months!

I immediately read the small print. It included the phrase "The policy shall be deemed to be not operative if the vehicle is driven in, on or around any aviation location".

I rang the insurer direct and asked what this actually meant. They said it meant exactly what it said and it was something that all insurers were now including in the policy (or not including, if you get my drift).

I pointed out that my declared occupation on the proposal was "RAF Officer" and asked what happened when I drove to work; I lived forty miles away. They said I wasn't covered near or on the RAF base, even on the roads or in any car park. To say I was angry was an understatement. I'd paid in full, in advance and I hadn't been insured on every working day for months. They subsequently nulled and voided the policy.

I threatened legal action and eventually they refunded the entire cost. The next company included less stringent wording and I was effectively insured unless I drove onto the dispersal, past the barrier, which I never needed to do.

Most aircraft insurance policies include (at no extra cost) airside car cover for the policyholder in my experience.

Bad memory
 

This brings back an incident that happened to me. I lined up for take off, aborted due to (water) contamination in the fuel, returned to the apron, where the local CFI had brought his brand new BMW motor bike onto the apron, unknown of course to me, and it blew over as I conducted power checks on my malfunctioning engine.

A very rude and irate CFI blamed me for the whole incident, and of course his insurance would not cover it, nor would the airfield insurance cover the damage to the machine.

On enquiry, it was explained that specific risks must be noted on the policy, and also that the airfield policy had to have specific mention of specific vehicles that had access. This was not one of them.

Now, it may have been the particular company or broker, but the attention with insurance is of course in the detail. The small print is generally not weighed in your favour:uhoh:

Not Good!! The only incident I've ever experienced to date was coming back in to land at my home base last summer out of hours. After having done a low fly-by of the runway and broadcasting to 'Traffic' I set up my final approach. I noticed, at about 500' a car operating around the area of taxiway, nothing out of the norm here and carried on the approach keeping my spare eye focused on the car - I couldn't believe it as he edged closer and closer to the runway and then when I was less than 100' from touchdown (after crossed the numbers) he came straight out on the runway!! Full power and go around no big deal, but it opened my eyes as to how bloody stupid some people can be - he clearly never checked the approach!! :ugh:

(Well I say 'he' - could have been a woman! ;))

i confess, i was, in a previous life, an insurance underwriter with all the exams to boot (imagine the ATPL but with 10 insurance subjects and try not to yawn!)

most motor insurers will run a mile if you mention cover for airside. the problem is that the industry has deteriorated into a bunch of call centre workers following a bunch of codified rules to the letter, without scope for common sense.

and the definition was obviously conceived with driving around the aprons at heathrow in mind and because liabiity for damage to multi mullion pound commerical jets is not something the average motor insurer would want to cover.

i think your best bet is to have a discussion with an aviation friendly insurance broker and see what they suggest.

Move to Ontario
 

Ontario, Canada has mandated a standard policy for all auto insurers: Ontario Automobile Policy (OAP) - Financial Services Commission of Ontario

In an abundance of caution, I had a look at it to see if there were any aviation exclusions as I do drive along and across runways at our glider club (after turning the car both ways as I would in the towplane);)

There no aviation exclusions in the OAP:ok:

You will have to move here:\

Stevelup
That could start an interesting argument, as "manoeuvring area (sic)" is defined in law! Does your insurer "define" it - or is that your interpretation?

2 s

Their exact words were 'aircraft manoeuvring area'.

You're quite right - the manoeuvring area excludes the apron... That part was my bad interpretation.

So (with my insurance at least), I'm covered everywhere except the runways and taxiways.

Insurance Guru
 

The easiest way to know what would be covered by an ordinary motor car insurance policy would be:

Does a post man or electricity man (or woman) have unrestricted access.
On an airfield they would not, therefor it would be considered private land.

A motor car policy covers RTA on public roads / land. Therefore it is reasonable to appreciate that an insurance company would not pay in the event of a loss on private land.

On the flip side of the coin, an aircraft would not insure an aircraft driving on a public road, they will insure an aircraft in public/private airspace.

As for the CFI and the BMW bike, he should know better and should be aware of the Law. Therefore he should appologies to you and not be blaming you.

Do not assume your aircraft policy covers your car/vehicle airside. Not all policies do, some wont - no matter what and some can but charge and only if you ask. You can buy a stand alone airside liability but is very expsensive for a private car owner.

Only experience is from back in the early 90s when I was working in a site office airside at LGW and had to drive there due to distance from any staff car park (it would have been a convoluted half hour walk)

My vehicle insurance did not cover me anywhere airside & insurer would not countenance extension of cover except at an absolutely extortionate rate (in the tens of thousands of pounds if I remember correctly); probably due to ignorance of the demarcation between airside roads & aircraft manouevring areas.

My employer (BAA) however did cover my vehicle (icluding £50Million Third Party liability) but it did have to have magnetic signs & an orange flashing light, again, happily supplied by them.

I was not allowed to go onto manouevring areas because of lack of an R/T fit but did have to cross an active taxiway by means of the airside road.

This was nearly 20 years ago and I believe that post Twin Towers etc. the rules have been considerably tightened.

More rules
 

Thought I would re awaken this thread as my local airfield has gone all official on us re airside insurance.
I am at a mixed glider/ power site and we are now being restricted to having access with our cars to 'airside' only if we have airside insurance for our cars.
When I last looked in to this my insurance company basically laughed at the suggestion!
Since all our glider trailers are only accessed by driving across the apron this poses a problem.
Has anyone actually got airside insurance and if so which company and how much did it cost?
Thanks

As has previously been posted, aircraft insurance policies typically include the following clause without additional premium:









http://www.pprune.org/data:image/png...Rta2rG3pCAAAA7It is understood and agreed that Section II of this Certificate is extended to indemnify the Insured for all sums which the Insured shall become legally liable to pay, and shall pay, as compensatory damages (including costs awarded against the Insured) up to GBP250,000 any one Accident for accidental bodily injury or damage to property caused by any vehicle operated by the Insured or any of his employees or any Named Pilot whilst such vehicle is airside and is being used in connection with the operation of the Aircraft insured hereon.





This extension is subject to the following additional exclusions:

This extension of coverage is subject to a deductible of GBP250 each Accident.

Don't presumme you are covered plus not all policies provide the same level of cover. For the avoidance of doubt email or talk to your broker and they should be able to answer your question straight away. Also check with the airfield owner as they might have cover provided under the airfield third party liability insurance. This is a potential insurance grey area because it deals with liability only - i.e. prove I/we/you were negligent.