Safe Takeoff: Your Paragliding Policy
Find personalised tariffs, compare services, and benefit from transparent information and personal advice – digital and straightforward.
- Worldwide Protection
- Equipment insured
- Quick Damage Assistance
Why Paragliding Insurance is Essential
- Legal Obligations
- High Flight Risks
- Financial Protection
- Worry-free flying
Coverage: What does paragliding liability insurance provide?
The paragliding liability insurance is the foundation of your safety and is legally required in Germany. It protects you from the financial consequences if you cause damage to other people or their property while paragliding. Nextsure explains which services are essential. Core services include personal injury, property damage, and resulting financial losses. Personal injury covers medical treatment costs, compensation for pain and suffering, or pension payments. Property damage compensates for repair or replacement costs of damaged items. Ensure you have an adequately high coverage amount – legal minimums are often insufficient, especially in cases of serious personal injury. Our policies offer coverage amounts well above the minimum and are also valid abroad. Be aware of exclusions such as intentional actions or participation in unauthorised competitions. Comprehensive liability insurance is your most important protection as a pilot.
Our service components
Liability Insurance
Legally mandated, crucially important: protection against personal injury and property damage.
Comprehensive Cover
Protection of your valuable flight equipment against damage and theft.
Accident protection
Financial assistance in the event of disability or death due to an aviation accident.
Salvage costs
Coverage of costs for search, rescue, and recovery operations.
Ausland Plus
Enhanced protection for your flight adventures abroad.
Device Protection
Special insurance for GPS, variometer, and other flight electronics.
Competitions
Insurance coverage also when participating in official competitions.
Equipment Theft
Comprehensive protection against theft of your entire paragliding equipment, even when you're on the go.
Individually customizable protection for your flight experience.
The paragliding comprehensive insurance: Protection for your equipment
Your paragliding equipment—canopy, harness, rescue system, and accessories—represents a significant financial investment. The comprehensive insurance from nextsure protects this investment. Unlike liability insurance, which covers third-party damage, comprehensive insurance provides coverage for damage or loss of your own equipment. Typically insured are damages from breakages during take-off, flight, and landing, as well as theft (often under certain conditions such as secure storage), robbery, fire, lightning, or natural events. Transport damage can also be covered. nextsure offers flexible comprehensive models, which often include a new-for-old replacement for newer equipment, so in the event of a total loss, you receive a new equivalent piece of equipment. For older equipment, compensation is often based on current value. Check the conditions and choose the cover that best suits the value and age of your equipment.
Additional Modules: Individual Protection for Paragliding Pilots
Beyond the mandatory liability insurance and the recommended comprehensive insurance, paragliding pilots can customize their protection with meaningful additional components. nextsure helps you find the suitable supplements. An important option is the pilot or passenger accident insurance, which provides financial benefits in case of disability or death due to a flight accident, often including daily hospital allowance. A rescue cost insurance is often indispensable, as search, rescue, and recovery operations, especially with helicopter involvement, can become extremely expensive. An air sports legal protection safeguards you in legal disputes related to your flying activities, for example, in disputes over compensation or administrative offenses. For frequent travelers, a special travel luggage insurance for expensive flight equipment can be worthwhile. Analyze your personal risk profile to put together the optimal protection.
Scope and Exclusions: Understanding the Fine Print
Understanding the insurance conditions (AVB), often referred to as the 'small print', is crucial for comprehensive insurance coverage of your paragliding activities. nextsure values transparency. Pay particular attention to the scope of your policy: Does it apply worldwide or only in Europe? Are certain countries excluded or do they require special agreements? Common exclusions involve damage caused by intent or gross negligence, flying under the influence of alcohol or drugs, participating in non-approved competitions or record attempts, as well as commercial use of the paraglider unless explicitly insured. Even the violation of obligations, such as immediate damage reporting, can jeopardise insurance coverage. Read the conditions carefully and ask questions if anything is unclear.
Claim: How to Act Correctly
In the event of a claim, quick and accurate action is crucial for a smooth settlement by your paragliding insurance. nextsure supports you in this. The top priority at the accident site is personal safety and, if necessary, providing first aid and alerting emergency services (mountain rescue, police). Document the damage and the sequence of events as detailed as possible: take photos of the accident site and the damaged items, secure witness statements, and if necessary, create a sketch of the accident. Report the damage immediately—in most cases within a week—in writing to your insurer. Keep your insurance number ready. Documents such as the accident report, repair cost estimates, or invoices are often required for settlement. Retain damaged parts until the matter is resolved.
Costs and Pricing: What Influences the Premium?
The cost of paragliding insurance, i.e., the premium, depends on various factors. nextsure designs tariffs to be transparent and fair. A key factor is the chosen coverage amount in liability insurance – higher sums generally mean a higher premium but offer better protection. In comprehensive insurance, the value of your insured equipment (sum insured) affects the costs. Selecting additional modules such as accident, rescue cost, or legal protection insurance increases the premium according to the chosen scope. A deductible, i.e., the amount you cover yourself in the event of a claim, can reduce the premium. Other factors can include the contract term and sometimes the pilot's flying experience. Comparing different tariff options and payment methods (annually often cheaper than monthly) can help find the optimal balance between cost and performance.
Comparison of Paragliding Insurance: What You Should Pay Attention To
When comparing paragliding insurance, you should not focus solely on the price. Comprehensive cover is more important than the cheapest premium. nextsure recommends carefully examining the following criteria: Compare the scope of liability cover (personal, property, financial damage) and hull insurance (which damages to the equipment are covered?). Pay attention to the amount of the coverage limits and the insurance sum for your equipment. What is the excess in the event of a claim? Is the geographical scope (domestic, Europe, worldwide) sufficient for your needs? What exclusions are specified in the terms and conditions (e.g. participation in competitions, gross negligence)? What are the terms for replacement value versus current value compensation in the hull insurance? Also, inform yourself about the provider’s service quality, particularly the accessibility and efficiency of claims handling. Customer reviews can be helpful here.
Legal foundations and compulsory insurance for paragliding pilots in Germany
As a paraglider pilot in Germany, you are subject to certain legal regulations, which also pertain to insurance coverage. The Aviation Act (LuftVG), particularly § 33 and § 43, governs the liability for aircraft, which includes paragliders. This results in the obligation to take out aviation liability insurance. This obligation is specified in § 102 of the Aviation Licensing Regulations (LuftVZO), which also prescribes minimum coverage amounts (currently, for example, 750,000 IMF units for personal injury per injured person). Flying without the required insurance coverage is an administrative offence and can have significant financial consequences in the event of damage. Ensure that your policy complies with legal requirements. Internationally, different regulations may apply; check before flying abroad.
Is a paraglider insurance legally required?
nextsure understands itself as your digital specialist for niche insurance, including tailored solutions for paragliding pilots. Our mission is to provide you with comprehensive and easily understandable insurance coverage, precisely tailored to your needs as an air sports enthusiast. We combine expert advice with fully digitalised completion processes. At nextsure, you benefit from transparent rates that you can easily compare and arrange online. You can conveniently manage your contracts digitally. In the event of a claim, we ensure quick and straightforward reporting and processing. Our Unique Value Proposition for paragliding pilots lies in the combination of specialised product know-how, fair conditions, and a first-class digital experience. Discover your optimal paragliding insurance with nextsure now and set off on your next flying adventure worry-free.
Frequently Asked Questions
The paragliding liability insurance is the foundation of your safety and is legally required in Germany. It protects you from the financial consequences if you cause damage to other people or their property while paragliding. Nextsure explains which services are essential. Core services include personal injury, property damage, and resulting financial losses. Personal injury covers medical treatment costs, compensation for pain and suffering, or pension payments. Property damage compensates for repair or replacement costs of damaged items. Ensure you have an adequately high coverage amount – legal minimums are often insufficient, especially in cases of serious personal injury. Our policies offer coverage amounts well above the minimum and are also valid abroad. Be aware of exclusions such as intentional actions or participation in unauthorised competitions. Comprehensive liability insurance is your most important protection as a pilot.
The cost of paragliding insurance, i.e., the premium, depends on various factors. nextsure designs tariffs to be transparent and fair. A key factor is the chosen coverage amount in liability insurance – higher sums generally mean a higher premium but offer better protection. In comprehensive insurance, the value of your insured equipment (sum insured) affects the costs. Selecting additional modules such as accident, rescue cost, or legal protection insurance increases the premium according to the chosen scope. A deductible, i.e., the amount you cover yourself in the event of a claim, can reduce the premium. Other factors can include the contract term and sometimes the pilot's flying experience. Comparing different tariff options and payment methods (annually often cheaper than monthly) can help find the optimal balance between cost and performance.
Yes, in Germany and many other countries, a specific aviation liability insurance for paragliders is legally required. This covers any damage you may cause to third parties while flying. The minimum coverage amounts are legally defined, but a higher coverage amount is often recommended.
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