Accident insurance in 2024

Insurance contract no. 8079713114
Contracting parties: ČSOB Pojišťovna, as, member of the ČSOB holding Light Aircraft Association of the Czech Republic concluded this insurance contract pursuant to Act No. 89/2012 Coll., Civil Code, as amended (hereinafter referred to as the "Civil Code"), which, together with the General Insurance Conditions of Aviation Insurance VPP AVN 2014 (hereinafter referred to as "VPP AVN 2014") form an indivisible whole. 
1) Accident insurance for sports flying equipment is arranged with this insurance contract (hereinafter referred to as "SFD") defined in paragraph 2) of this article, within the scope of VPP AVN 2014 Part B Article I.
2) Subject to insurance in the sense of VPP AVN 2014, part B, Article II, it can only be SFD category ultralight aircraft (hereinafter referred to as the "aircraft"), which is designed for a maximum of two people, controlled either by shifting the pilot's center of gravity or by aerodynamic means, whose stall speed does not exceed 75 km/h, whose maximum take-off weight does not exceed 600 kg.
3) Insured according to this insurance contract, only persons who:
a) are the owners of the aircraft or the operators of the aircraft, if they are different from the owners,
a
b) are members or employees of LAA ČR.
a
c) met the conditions according to Article V. of this insurance policy.
4) Insured persons in the sense of this contract are natural and legal persons.
5) Deviating from VPP AVN 2014, part A, article XI, paragraph 3, it is agreed that the address to which documents are delivered by the insurer can only be located on the territory of the European Union states.
6) The contracting parties have agreed that the provisions of VPP AVN 2014, part A, article III, paragraph 3, final sentence, as follows: "In the event that the insurance applies to the value of the insured's insurable interest different from the policyholder, the policyholder has the same obligations as the insured .”

The insurances and their scope agreed by the insurance contract

1) Insurance according to this insurance contract is arranged just in case sudden damage, destruction or loss of the aircraft due to any accidental event that limits or excludes its functionality and is not further excluded in VPP AVN 2014 part A or B or the insurance contract.
2) It is agreed that the insurer is not obliged to provide insurance benefits if the damage event occurred during the flight or take-off or landing of the aircraft at night. Night means the time between the end of civil twilight and the beginning of civil dawn. Civil twilight ends in the evening when the center of the sun's disc is 6 degrees below the horizon, and civil dawn begins in the morning when the center of the sun's disc is 6 degrees below the horizon.
3) Furthermore, it is agreed that the insurer will provide insurance benefits for a damaging event only on the condition that the insured aircraft had a valid and effective technical certificate issued at the time of the occurrence of the damaging event.
4) It is agreed that in the event of an insured event caused by the destruction or loss of the aircraft, the insured is obliged to pay the amount of the additional insurance premium in the amount corresponding to the difference annual premium already paid insurance premium for the agreed duration of the insurance, if the agreed duration of the insurance or the insurance period is less than one year. Annual premium is determined as the product of the insured amount of the aircraft and the rate in per mille specified in the insurance contract for the given category of the insured amount and the selected amount of deductible. The insurer is entitled to reduce the insurance payment for an insured event by the amount of the additional premium determined by the procedure according to this paragraph.
5) The insurance arranged under this insurance contract applies to the damage that has occurred on the territory of the whole world.
6) Accident insurance does not apply to any damage occurring in the territory of the states and regions listed below (hereinafter also referred to as "excluded territories"):
a) ALGERIA, BURUNDI, FAR NORTH (region in Cameroon), CENTRAL AFRICAN REPUBLIC, DEMOCRATIC REPUBLIC OF CONGO, ETHIOPIA, KENYA, MALI, MAURETANIA, NIGERIA, SOMALIA, REPUBLIC OF SUDAN, SOUTH SUDAN,
b) COLOMBIA, PERU,
c) AFGHANISTAN, JAMMU AND KASHMIR (Union State in India), NORTH KOREA, PAKISTAN
d) ABCHASIA, DONETSK & LUGANSK (regions in Ukraine), NORTH KARABAKH, NORTH CAUCASIAN FEDERAL DISTRICT (region of Russia), SOUTH OSSETIA,
e) IRAN, IRAQ, LEBANON, LIBYA, NORTH SINAI including Taba International Airport (province in Egypt), SYRIA, YEMEN,
f) Any State in whose territory the operation of an aircraft is in violation of United Nations sanctions.
6.1) Despite the provisions of the previous paragraph, the insurance applies to:
a) adverse events occurring in connection with the overflight of any excluded territory, provided that the flight is conducted in an internationally recognized air corridor and is conducted in accordance with the recommendations of the International Civil Aviation Organization (ICAO), or
b) harmful events occurring in connection with cases where the aircraft landed in the excluded territory in direct connection and exclusively as a result of force majeure.
7) Insurance does not apply for damage claimed on aircraft accident insurance if the damage occurs in the Defined Territory (as defined below) and/or if such damage occurs on the basis of or in connection with the armed conflict between Russia and Ukraine. However, this exclusion does not apply to aircraft that are neither heading to nor leaving the Defined Area, but that have landed in the Defined Area solely due to direct force majeure.
"Defined territory" includes:
(a) Republic of Belarus
(b) the Russian Federation (to the extent recognized by the United Nations) or its territories, including territorial waters, or protectorates over which it has legal control (legal control means where it is recognized by the United Nations); or
(c) Ukraine (in accordance with the borders established under LA 1991 Declaration of Independence, including the Crimean Peninsula and the Donetsk and Luhansk Oblasts).
8) In accordance with VPP AVN 2014, Part B, Article VII, Paragraph 2, letter c) it is agreed that the insured value is determined as a different price, which is the amount determined in the insurance contract by agreement of the contracting parties.) In accordance with the VPP AVN 2014, part B, article VII, paragraph 2 letter c) it is agreed that the insured value is determined as a different price, which is the amount determined in the insurance contract by agreement of the contracting parties.
9) It is agreed that the insurance does not apply to harmful events caused during years intended for performing work in agriculture and forestry; to extinguish fires; in sports activities performed at a professional level; with suspended load; testing, including prototype tests and tests of new, modified or repaired structures.
Sporting activity carried out at a professional level means any activity (with the exception of the usual activity of flight schools) that athletes perform for payment and all preparation for this activity.
10) For this insurance contract, the text of VPP AVN 2014, part B, article V, paragraph 3, letter C)
11) Amount of basic rates for aircraft accident insurance depending on:
– the insured amount of the aircraft specified by the insured,
– the co-payments determined by the insured are (see the values ​​shown in the table below):

Basic rates (per thousand) 

Aircraft registration number (sum insured) (CZK) Co-payment (CZK)
50 000 100 000 200 000 300 000
up to 800 44,1 34,7 26,8 -
800 001 - 1 500 000 34,7 32,6 23,1 21,5
more than 1 33,6 31,5 23,1 21,5

11) The annual insurance premium corresponds to the product of the insured amount of the aircraft and the base rate shown in the table.

12) According to the will of the insured expressed before the individual insurance concluded by this insurance contract (see Article V of this insurance contract), insurance may also be established for an insurance period shorter than one insurance year. The resulting premium then corresponds to the product of the annual premium and the percentage value determined on the basis of the length of the insurance period (see paragraph 13 of this article), but at least the amount of CZK 8.
13) Each individual insurance policy concluded under this insurance contract is concluded with an insurance period of a maximum of 12 months, but no later than 31 December 12
14) It is agreed that in the case of insurance contracts with an insurance period of less than 12 months, the resulting amount of the insurance premium is determined as the product of the annual premium determined according to the procedure specified in this article and the percentage value determined according to the length of the insurance period as follows:
Insurance period % of annual premium
within 6 months 65
within 9 months 85
more than 9 months 100
Amounts are rounded to whole crowns in a mathematical way.

Certificate of insurance

After delivery of the application and payment of an amount corresponding to the amount of the insurance premium, LAA ČR will issue to the insured, on behalf of the insurer, an insurance certificate for Aircraft Accident Insurance, which documents the scope of the contracted insurance.
Conditions for processing policies:
• The insurance company requires the insured to apply for insurance either BY WRITTEN APPLICATIONor ONLINE pthen you no longer send the application to LAA CR.
• Payment of the insurance amount (the amount is considered paid if it is credited to the LAA account, paid by money order at the post office or deposited in cash at the LAA cash desk). The insurance policy is valid no earlier than the day after the payment of the insurance amount.

Hreporting harmful events:

The insured shall report the occurrence of a loss event immediately by phone: 466 100 777 or electronically at www.csobpoj.cz or at:
ČSOB Pojišťovna, as, member of the ČSOB holding
Client center
Green suburbs
Masaryk Square No. 1458
532 18 Brown
or:
Willis Towers Watson Insurance
Broking (Czech Republic) Ltd
Jungmann 745/24
110 00 Prague 1
TEL.: +420 227 272 561

Side dishes: