Your aircraft optimally insured
Secure your private aircraft with the specialised comprehensive insurance from nextsure. Individual protection, digital processing, transparent conditions for maximum safety in the air and on the ground.
Tailored comprehensive cover
Digital Claim Report
Expert advice included
Why comprehensive insurance for private aircraft is indispensable
Protection against high repair costs
Protection in Case of Total Loss
Cover for Theft & Vandalism
Preservation of Your Investment
Coverage of Private Aircraft Hull Insurance: What is covered?
The private aircraft hull insurance from nextsure offers comprehensive protection for your aircraft, going far beyond the legally required liability insurance. Essentially, our hull insurance covers damage to your own aircraft that can arise from a variety of events. This includes in particular damage or destruction due to accidents, both during flight operations and on the ground (e.g., taxiing damage, hangar damage). An important aspect is protection against natural events such as storms, hail, lightning, or flooding. Damage caused by fire, explosion, or short circuit is also covered. Furthermore, the insurance cover generally includes the loss of the aircraft due to theft or robbery as well as damage by vandalism. Depending on the tariff and individual agreement, consequential damage, recovery and clean-up costs, as well as costs for an emergency landing or off-field landing can also be insured. Our experts at nextsure will analyze your specific needs to determine the optimal coverage for your aircraft model and usage profile and offer you a tailored policy.
Exclusive Protection
Our comprehensive cover for your aircraft
Comprehensive coverage
Comprehensive protection against almost all hazards.
Engine damage
Optional protection against engine damage.
Avionics protection
Special coverage for your onboard electronics.
Wreck removal
Coverage for recovery and disposal.
Theft protection
Protection in case of theft of the aircraft.
Pilot Incapacity
Optional coverage in case of pilot failure.
Replacement aircraft
Coverage for rental aircraft following damage.
International Protection
Worldwide insurance coverage available by arrangement.
emergency landing costs
Coverage of costs for emergency or off-field landings.
Individual, digital, and transparent – your aircraft in the best hands.
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Fully Comprehensive vs. Partial Insurance: Which Option Suits Your Aircraft?
In aircraft insurance for private airplanes, similar to car insurance, a distinction is made between comprehensive and partial cover. **Partial cover insurance** protects against damage caused by external factors without your direct fault. Typical covered risks include fire, explosion, theft, storm, hail, lightning, flooding, as well as collisions with game animals during taxiing. It is an important basic protection. **Comprehensive insurance**, on the other hand, offers more extensive protection. It includes all the benefits of partial cover and additionally covers damage to your own aircraft caused by self-inflicted accidents or vandalism. For newer and more valuable aircraft, comprehensive insurance is often the recommended choice, as it minimizes the financial risk of a total loss or costly repairs. The decision depends on factors such as the age and value of the aircraft, the individual risk profile, and the budget. nextsure provides transparent advice on which option – comprehensive or partial cover for your private aircraft – represents the most sensible insurance and which tariff differences in private aircraft hull insurance premiums should be considered.
Cost factors: How is your aircraft hull insurance premium calculated?
The premium for a private aircraft hull insurance is determined by a range of specific factors that reflect individual risk. A key factor is the **type and value of the aircraft**: more powerful, newer, or rarer models are generally more expensive to insure. The **experience of the pilot** plays a crucial role; flying hours, licenses, and a clean accident history can positively influence the premium. The **area of operation and annual flight hours** are also relevant – frequent flights or operations in challenging areas increase the risk. The choice of **coverage amount** (comprehensive vs. partial coverage) and the agreed **excess** directly impact costs. Additional coverage elements, such as extended wreck removal insurance, can also affect the premium. At nextsure, we analyse all these factors in detail to offer you a transparent and fair contribution for your private aircraft insurance. Our aim is to provide you with the best possible protection at a reasonable price.
Deductible in Aircraft Hull Insurance: What You Need to Know
The deductible is an important component of any hull insurance, including coverage for private aircraft. It refers to the amount that you must pay yourself in the event of a claim before the insurance kicks in. The amount of the deductible is agreed upon individually when the contract is concluded and has a direct impact on the insurance premium: a higher deductible usually leads to a lower premium and vice versa. For aircraft hull insurance, the deductible can be set either as a fixed amount or as a percentage of the aircraft's insured value. It is common to agree on different deductibles for ground damage (Ground Risk Hull) and damage during flight operations (In-Flight Risk Hull), with the latter often being higher. Choosing the right deductible is a balance between saving on premiums and the financial risk you are willing to bear in the event of a claim. nextsure supports you in finding a suitable deductible for your private aircraft hull insurance that takes into account your financial situation and risk appetite.
Claim: How to correctly report damage to your private aircraft
In the event of damage to your private aircraft, swift and correct action is crucial for smooth processing by your hull insurance. **Safety first:** Initially, ensure that there is no longer any danger to people or other property. **Document the damage** promptly and comprehensively. Take photos or videos from different angles to clearly show the extent of the damage. Record the date, time, place, and a detailed description of the incident. If possible, obtain witness statements. **Report the damage immediately** to nextsure. Use our digital reporting channels or contact your personal agent. Keep your insurance number and all relevant information ready. **Do not initiate repairs without consulting us,** unless they are urgently necessary measures to mitigate the damage. We generally commission a specialised assessor to evaluate the damage. Transparent and complete communication significantly speeds up the process.
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Increase in Value and Modifications: Adjusting Your Comprehensive Policy
The value of your private aircraft is not static. Value-enhancing measures such as installing new avionics, an engine overhaul, or a new paint job can significantly increase the insurance value. Similarly, modifications can affect the risk assessment. It is therefore essential to promptly inform your private aircraft hull insurance about such changes and have the policy adjusted accordingly. Otherwise, you risk being underinsured in the event of a claim, which means that the insurance payout may not be sufficient to cover the actual damage or the current value of the aircraft. Share all relevant details of the modifications or enhancements made with nextsure. We will then assess whether an adjustment to the insured amount and, if necessary, the premium is required to ensure that your valuable aircraft is always optimally insured at the correct value. Proactive communication protects you from financial disadvantages.
International Flights: Does your comprehensive insurance cover you abroad?
Many private aircraft owners also use their planes for trips abroad. Therefore, the question of the geographical scope of hull insurance is of crucial importance. By default, insurance coverage is often limited to a specific geographical area, such as Europe. If you are planning flights outside this defined area, you must clarify this with your insurer in advance. nextsure offers flexible solutions for your private aircraft hull insurance, which can also include international coverage. It is important to precisely define the desired scope and specify it in the policy. For flights to certain regions or countries, specific requirements, higher premiums, or exclusions may apply, depending on the political situation, infrastructure, or specific risks. Please inform us promptly of your travel plans so that we can adjust your hull protection and ensure you are comprehensively covered on international flights as well.
Additional Modules: Useful Additions to Aviation Comprehensive Insurance
In addition to the core cover of hull insurance, which covers damage to your own aircraft, there are valuable add-on modules available that allow you to extend your insurance cover individually. A frequently chosen addition is **the co-insurance of aircraft accessories**, such as specialized avionics, headsets, or portable navigation devices, which are not permanently installed in the aircraft. **War and terrorism risk cover** can also be relevant for certain areas of operation or flight routes, as these risks are often excluded in standard policies. The **salvage and wreck removal cost insurance** covers the often significant costs of recovering the aircraft after an accident and environmentally responsible disposal of the wreckage. For pilots, a **seat accident insurance** can be an important addition. nextsure works with you to analyse your specific needs and advises you on the add-on modules that optimally complement your private aircraft hull insurance and provide you with comprehensive protection.
Is comprehensive insurance mandatory for my private aircraft?
Cancelling or switching a private jet hull insurance requires careful planning and attention to deadlines. A regular cancellation is generally possible at the end of the contract term, adhering to a notice period (usually three months). For this, check the specific terms in your insurance contract. There is a special right of cancellation, for example, after a settled claim or if the insurer increases the premium without a corresponding improvement in benefits. If you sell your aircraft, the insurance typically transfers to the purchaser unless either they or you terminate the contract. Before switching, you should definitely compare various offers. Pay attention not only to the price but also to the coverage scope, exclusions, level of deductibles, and the quality of service from the provider. nextsure is happy to assist you with a personalised offer and transparent advice to ensure your new insurance package perfectly matches your needs and ensures a seamless transition.
