AT A GLANCE
How the protection works
The insurance arrangement should reflect the aircraft, operation, people, territories, contractual responsibilities and the consequences of an incident.
Service and Repair Garage Insurance is not one universal contract. Eligibility, sections, limits and wording vary by insurer and must be matched to the individual risk.
AVIATION RISK
What may be covered
- Physical loss of or damage to insured aircraft, equipment or aviation property where selected.
- Liability arising from aviation operations, passengers, products, premises or services where applicable.
- Business interruption, loss of use, deductible or other specialist sections when specifically arranged.
Cover applies only as stated in the quotation, schedule and full policy wording.
BOUNDARIES
Common exclusions and limitations
- Wear, gradual deterioration and maintenance or mechanical breakdown unless expressly included.
- Operations, pilots, aircraft, territories or uses outside those declared and accepted.
- Known circumstances, deliberate acts and policy-specific war, cyber or sanctions restrictions.
This is not a complete list. The actual wording, endorsements, excesses and schedule determine the protection.
CLAIMS IN PRACTICE
How a claim might arise
01. An insured aircraft is damaged during ground handling and specialist repair is required.
02. A third party alleges injury or property damage arising from an aviation operation.
03. A serious incident interrupts operations and creates additional recovery costs.
These examples are illustrative only and do not confirm that a particular claim would be covered.
CHOOSING COVER
Questions worth resolving
- Which aircraft, operators, pilots, activities and territories must be declared?
- Are values, liability limits and contractual requirements current?
- Which safety, maintenance and operational controls will insurers expect?
CONNECTED RISKS
Related protection to consider
- Property and business interruption where physical damage could stop operations.
- Public, employers’ or product liability for injury and property-damage exposures.
- Cyber, professional indemnity or management liability where data, advice or governance creates additional risk.
- Motor, marine, travel or other specialist protection where the activity requires it.
QUESTIONS
Frequently asked questions
Which aircraft, operators, pilots, activities and territories must be declared?
The answer depends on the facts presented to the insurer and the terms offered. Accurate, current information is essential.
Are values, liability limits and contractual requirements current?
Limits and conditions should be tested against realistic loss scenarios, contracts and the time or cost of recovery.
Which safety, maintenance and operational controls will insurers expect?
Documented controls help an insurance professional explain the risk and may affect available terms.
Australian insurance context
For Australian organisations, Service and Repair Garage Insurance Guide should be considered against the actual activities, location, scale, contracts, assets and risk controls of the business. Insurance requirements and insurer appetite can vary by state or territory and by the way the risk is presented.
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