HL
Hull & physical damage
All-risk cover for your aircraft in motion and not in motion, with agreed value and deductible reviewed before quotation.
Aircraft insurance specialists • New Zealand & CAA NZ aviation
Aircraft insurance built around your aircraft, pilots and real risk.
Specialist aviation insurance across New Zealand for private aircraft, flight schools, flying clubs and aviation businesses. We arrange hull, liability, CSL, passenger and pilot accident cover for ZK-registered aircraft — priced on your individual risk, not a blanket rate.
Specialist adviceCover matched to your aircraft, use and pilots.
Human adviceA specialist answers the phone, not a quote engine.
Claims supportAssistance when you need to file or manage a claim.
Specialist aviation cover
Aircraft insurance should not be a generic product.
Every aircraft insurance quote depends on far more than the hull value. aviation underwriters review the make and model, how the aircraft is used, where it is based, the pilots' certificates and ratings, recent flight experience and claims history, and whether the aircraft is flown privately, commercially, by a club or by several pilots.
Our job is to turn those details into a clean submission that the major aviation markets can price properly — and to arrange the strongest possible cover for your individual risk.
EH
Engine hull cover
Cover for sudden engine damage and stoppage — often the single most expensive claim an aircraft can face.
LI
Liability & CSL
Third-party and Combined Single Limit cover, including smooth CSL with no per-seat passenger sublimit.
PL
Passenger liability
Cover for bodily injury to passengers carried aboard your aircraft, standalone or within a CSL policy.
BW
Breach of warranty
Lienholder protection that most US lenders require on financed aircraft — the bank is paid even if a policy warranty is breached.
PA
Pilot & passenger accident
Personal accident cover for pilots and passengers, including loss of medical / loss of licence benefits.
GP
GAP cover
Pays the shortfall between a hull settlement and the loan or lease balance still owed after a total loss.
FI
Flight instructor (CFI) liability
Protection for instructors teaching in aircraft they do not own — separate from the owner's or club's policy.
FC
Flying clubs & fleets
Group and fleet contracts for clubs, partnerships and co-ownership, with named or open-pilot warranty terms.
AH
Airfield & hangar liability
Premises and ground-risk liability for airports, FBOs, hangars and clubs.
AB
Aerobatic & air show
Specialist cover for aerobatic, competition and display flying, rated for the higher demands of the discipline.
NO
Non-owned & renter
Cover for pilots flying rented or borrowed aircraft, protecting against damage and liability exposure.
Aircraft we insure
Cover for every kind of aircraft.
From a Cessna 172 to a turbine helicopter or a light jet, each aircraft carries its own risk profile and is rated on its own terms. We arrange insurance for private and commercial operators across all of them.
Single-engine pistonCessna, Piper, Cirrus and similar
Multi-engine pistonTwins and light multi aircraft
TurbopropTBM, PC-12, King Air and similar
Jet insuranceLight, mid and business jets
HelicopterPiston and turbine rotorcraft
Experimental / homebuiltAmateur-built and kit aircraft
Light-sport (LSA)Sport pilots and LSA owners
Warbird & vintageClassic, antique and warbird aircraft
A fair rating system
We assess the real risk — and price it fairly.
Many owners never learn how an aviation premium is actually set. US underwriters weigh three things above all: the aircraft, the pilot, and how the two come together in real operations. A well-maintained aircraft, flown by an experienced and well-trained pilot, earns a better rate.
Recurrent training, type-specific training, additional ratings and a clean claims history can all unlock credits. We make sure those are reflected in your quote.
A
Your aircraft
Make, model, hull value, equipment and use all feed the assessment.
P
You as a pilot
Certificates, ratings, total time, time in type and recent experience count.
F
The operation
How and where you fly, and your training and claims history, shape the rate.
New Zealand · CAA NZ framework
Insurance and the CAA NZ: protecting more than the aircraft.
New Zealand civil aviation operates under the Civil Aviation Act 2023 and the Civil Aviation Rules, administered by the Civil Aviation Authority of New Zealand, which maintains the national register (ZK- prefix). New Zealand's accident compensation scheme (ACC) covers personal injury on a no-fault basis, which shapes how personal-injury liability works here — but it does not cover damage to aircraft, third-party property, or a pilot's loss of income or licence.
That makes hull, third-party and pilot covers important in their own right. Commercial and air-transport operators face specific insurance requirements through their operating certificates, and lenders, aero clubs and hire agreements routinely require cover for private aircraft. We arrange protection to match how and where you fly.
CAA
Civil Aviation Act 2023
New Zealand civil aviation operates under the Act and Civil Aviation Rules, overseen by the CAA NZ.
ACC
ACC scheme
NZ's no-fault accident scheme covers personal injury, but not aircraft damage, property or loss of licence.
ZK
New Zealand ZK- register
NZ civil aircraft are registered with the CAA NZ on the ZK- prefix.
One point of contact
Request specialist adviceInsured through the major markets — handled by one specialist.
We work with the major aviation insurance markets, so you get the right cover without shopping it yourself. You deal with a single point of contact across submission, binding and claims. When something goes wrong, proper claims handling matters as much as the premium — so the aim is cover you understand before a loss, and a service that responds straight away when it happens.
FAQ
Aircraft insurance questions
Is aircraft insurance mandatory in New Zealand?
For private flying there is no blanket statutory insurance requirement, though New Zealand's ACC scheme only covers personal injury — not aircraft damage, third-party property or loss of licence, which is why cover still matters. Commercial and air-transport operators face insurance requirements through their operating certificates, and lenders, aero clubs and hire agreements routinely require cover.
What is breach of warranty (lienholder) coverage?
Breach of warranty coverage is an endorsement that protects your lender, named as loss payee, even if the policy is voided because a warranty was breached — for example an unapproved pilot flying the aircraft. Most US aircraft lenders require it on financed aircraft, because the aircraft is their collateral.
What is the difference between hull and liability insurance?
Hull insurance covers physical damage to your own aircraft, in motion and not in motion. Liability insurance covers injury or property damage you cause to third parties and, where included, to passengers. Most US policies combine both.
What does Combined Single Limit (CSL) mean?
A Combined Single Limit policy provides one overall liability limit covering both passenger injury and third-party bodily injury or property damage, instead of a per-seat sublimit. A smooth CSL with no passenger sublimit is the broadest common structure in US general aviation.
How are aircraft insurance premiums calculated in New Zealand?
Underwriters review the aircraft make, model and hull value; the pilot's certificates and ratings; total time, time in type and time in the last 12 months; training and claims history; intended use; and where the aircraft is based. Experienced, well-trained pilots in lower-risk aircraft receive better rates.
Should my registration and policy details match?
Yes. Your aircraft registration with CAA NZ should be current and the owner details on your policy should match the register. A mismatch or a lapsed registration can delay or complicate a claim.
Can flying clubs and multiple pilots be insured under one policy?
Yes. Flying clubs, partnerships and co-ownership groups can be insured under one policy with named-pilot or open-pilot warranty provisions, with cover extended to each qualifying pilot.
Do flight instructors need their own liability cover?
Certificated flight instructors carry liability exposure when teaching in aircraft they do not own. CFI liability insurance protects the instructor during instruction, separate from the owner's or club's policy.
Are there discounts for recurrent training?
Often, yes. Many insurers offer credits for recurrent and type-specific training, additional ratings and a clean claims history. Mentioning your recent training when you request a quote can unlock available discounts.
Does my policy cover flights to neighbouring countries?
Territorial cover can usually be extended for flights to neighbouring countries and regions, sometimes on specific terms. Confirm your planned territory when you request a quote so the policy is endorsed correctly.
The personal touch
A specialist answers the phone — not a machine.
Questions about a policy, or want a no-obligation quote? Reach our team by phone or email.
Claims assistance available when you need it