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 • Austria & EASA aviation
Aircraft insurance built around your aircraft, pilots and real risk.
Specialist aviation insurance in Austria for private aircraft, flight schools, flying clubs and aviation businesses. We arrange hull, liability, CSL, passenger and pilot accident cover for OE-registered, EASA aircraft — priced on your individual risk, not a blanket rate.
EASA-compliant
Liability limits that meet EU Regulation 785/2004.
Human advice
A specialist answers the phone, not a quote engine.
Claims support
Assistance when you need to file or manage a claim.
Specialist aviation cover
Aircraft insurance should not be a generic product.
Every Aircraft Insurance Austria aircraft insurance quote depends on far more than the hull value. 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.
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 liability meeting EU Regulation 785/2004 minimums, with CSL options available.
PL
Passenger liability
Cover for bodily injury to passengers carried aboard your aircraft, standalone or within a CSL policy.
FN
Financed aircraft cover
Protection for lenders and lessors named on the policy, as required on financed or leased aircraft.
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 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.
Single-engine piston
Cessna, Piper, Cirrus and similar
Multi-engine piston
Twins and light multi aircraft
Turboprop
TBM, PC-12, King Air and similar
Jet insurance
Light, mid and business jets
Helicopter
Piston and turbine rotorcraft
Experimental / homebuilt
Amateur-built and kit aircraft
Light-sport (LSA)
Sport pilots and LSA owners
Warbird & vintage
Classic, antique and warbird aircraft
A fair rating system
We assess the real risk — and price it fairly.
Many Aircraft Insurance Austria owners never learn how an aviation premium is actually set. 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.
Austria · EASA framework
Aircraft liability cover is mandatory in Austria.
Austria does not leave aircraft liability cover optional. Under EU Regulation 785/2004, minimum third-party liability insurance is compulsory for every aircraft operating in Austria, scaled by the aircraft's maximum take-off mass — from 750,000 SDR for the lightest aircraft upward. Austria civil aviation runs under EASA rules, administered nationally by Austro Control, which maintains the national register (OE- prefix).
Hull cover is not required by law, but lenders, airfields and lessors almost always insist on it. We make sure your policy meets the legal minimum and the practical requirements of where and how you fly — adding hull, engine and accident covers on top of the mandatory liability base.
Hull cover is not required by law, but lenders, airfields and lessors almost always insist on it. We make sure your policy meets the legal minimum and the practical requirements of where and how you fly — adding hull, engine and accident covers on top of the mandatory liability base.
EU
Regulation 785/2004
Compulsory minimum third-party liability for all EU aircraft, scaled by maximum take-off mass.
EA
EASA Part-NCO
The EASA operating framework for non-commercial flights with other-than-complex aircraft.
OE
Austro Control OE- register
Austria civil aircraft are registered with Austro Control on the OE- prefix.
One point of contact
Request specialist advice
Insured 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. Aircraft Insurance Austria gives you a single point of contact across submission, binding and claims.
FAQ
Aircraft insurance questions
Is aircraft insurance mandatory in Austria?
Yes. Under EU Regulation 785/2004, minimum third-party liability insurance is compulsory for every aircraft operating in Austria, scaled by the aircraft's maximum take-off mass and starting at 750,000 SDR for the lightest aircraft. Austria operates under EASA rules administered by Austro Control. Hull cover is not legally required but is usually required by lenders and airfields.
How does insurance work for a financed aircraft?
Where an aircraft is financed or leased, the lender is usually named on the policy as an interested party and will require full hull cover, because the aircraft is their security. Cover can be arranged so the lender is protected even if a policy condition is breached. Tell us about any finance when you request a quote.
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 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.
How are aircraft insurance premiums calculated in Austria?
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.
What is an SDR and why is my cover quoted in it?
SDR stands for Special Drawing Right, an international currency unit defined by the IMF. EU Regulation 785/2004 sets minimum aircraft liability cover in SDR so the requirement stays constant across currencies. Your broker converts the SDR minimum into local currency when arranging your policy.
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 across Europe and beyond?
Liability cover can be arranged on a European or worldwide basis. Cover for specific territories may carry particular terms, so confirm your planned flying area when you request a quote so the policy is endorsed correctly.