Liability insurance of the insured for damage caused on the aircraft 2024

The insured's liability insurance for damage caused to the aircraft, which, although not owned by the insured, has been loaned to the insured or is being used by the insured for another legal reason. Excludes balloons and unmanned vehicles.
According to the insurance contract No. 8056417528 and the addendum to this contract of the contracting parties:
ČSOB Pojišťovna, as is a member of the ČSOB holding
 a
Light Aircraft Association of the Czech Republic
concluded this insurance contract in accordance with Act No. 89/2012 Coll., Civil Code, as amended (hereinafter referred to as the "Civil Code"), which together with the General Insurance Conditions for Aviation Insurance VPP AVN 2014 (hereinafter referred to as "VPP AVN 2014" ) form an indivisible whole.
1) Liability insurance of the insured is being negotiated for damage caused to an aircraft which, although not owned by the insured, has been lent to the insured or is being used by the insured for another legal reason within the scope of Part D, Article I, Paragraph 1 of the VPP AVN 2014. According to the will of the insured, manifested prior to the creation of the individual insurance concluded by this insurance contract in the application for insurance (see Article V of this insurance contract), insurance can be created to the extent also in accordance with Part D of Article I, Paragraph 2 of the VPP AVN 2014.
2) Only persons who:
a) they hold a valid and effective license to pilot an aircraft or sports flying device (hereinafter referred to as "aircraft")
b) and met the conditions according to Article III. paragraph 1 of this appendix
c) and are members or employees of LAA ČR.
3) The insured are natural persons in the sense of this insurance contract.

 

Insurance options

Insurances are negotiated with territorial scope WORLDWIDE. Since 2016, LAA has negotiated a more advantageous universal territorial category "whole world" at a lower price than the previous category only for the Czech Republic and Slovak Republic.
The tables determine the one-time insurance premium for the insurance period of one insurance year depending on the selected insurance benefit limits (LPP), in the event that the insurance benefit limit (LPP) chosen by the insured does not exceed CZK 200.
Minimum premium for insurance taken out for a period shorter than one insurance year, according to parts A and B, it is CZK 1.
If the insured is on the date of commencement of the insurance student of aviation schoolthen the one-time insurance premium for an insurance period of 1 year is determined as the product of the basic one-time insurance premium according to the table and a coefficient of 1,1.

A) Liability insurance for damage only on the aircraft in the scope according to Part D, Article I, Paragraph 1. VPP AVN 2014 (variant 01)

Table 1: one-time insurance premium (in CZK) for the insurance period of 1 insurance year according to the amount of the insurance benefit limit (LPP)

Indemnity limit The price of the annual insurance premium Indemnity limit The price of the annual insurance premium
30 000 1 000 CZK 90 000 2 150 CZK
50 000 1 130 CZK 100 000 2 250 CZK
60 000 1 490 CZK 150 000 3 380 CZK
70 000 1 550 CZK 200 000 4 510 CZK
80 000 1 640 CZK - -

B) Liability insurance for damage to the aircraft and other property damage in the scope according to Part D of Article I of the VPP AVN 2014 (variant 02)

Table 2: one-time insurance premium (in CZK) for an insurance period of 1 year according to the amount of the insurance benefit limit (LPP)
Indemnity limit The price of the annual insurance premium Indemnity limit The price of the annual insurance premium
30 000 1 600 CZK 90 000 3 200 CZK
50 000 1 840 CZK 100 000 3 690 CZK
60 000 2 090 CZK 150 000 5 530 CZK
70 000 2 500 CZK 200 000 7 300 CZK
80 000 2 780 CZK - -

 

C) Common Provisions

1. Every insurance taken out according to this insurance contract is taken out with a co-payment of 10%.
2. Each individual insurance policy concluded by this insurance contract is concluded for an insurance period clearly determined by a demonstrable manifestation of the will of the insured before the individual insurance policy concluded by this insurance contract is established in accordance with Article V of this insurance contract, but for a maximum duration of 12 months.
3. It is agreed that in the case of insurance contracts with an insurance period of less than 12 months, the amount of the one-time premium for such insurance is equal to the product of the one-time premium for the insurance period of one insurance year and the percentage value determined according to the length of the insurance period as follows:
Insurance period % of annual premium
within 3 months 45
within 6 months 70
within 9 months 85
more than 9 months 100
Amounts are rounded to whole crowns in a mathematical way.
4. In accordance with Part A of Article XIII, Paragraph 5 of VPP AVN 2014, it is agreed that Part D of Article III of VPP AVN 2013 is supplemented as follows: 3. The insurance does not cover liability for damage caused to hot air or gas balloons and unmanned aircraft, unmanned systems and model aircraft.
5. It is agreed that the insurance premium for all individual insurances negotiated by this insurance contract is one-time. The insurer and the policyholder, in deviation from the provisions of § 2782 paragraph 1 of Act No. 89/2012 Coll., Civil Code, as amended, and in deviation from the provisions of Article V, paragraph 7 of the General Insurance Conditions General Part of the VPP OC 2014, agree that the insurer has the right to a one-time premium for the entire insurance period for which the insurance was agreed, regardless of whether the insurance was terminated before the end of the agreed insurance period.

Conditions for processing policies:

  • The insurance policy can be arranged online (after that you no longer send the completed application form to the LAA)

or

  • By completing the insurance application and delivering it to the LAA (in person, by post or by e-mail to the address: sormova@laacr.cz
  • By paying the insurance amount (by transfer, money order or cash at the LAA cash desk)

When paying by transfer, the amount is considered paid if it is credited to the LAA account. The insurance is valid no earlier than the day after the payment of the insurance amount.

Reporting adverse 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
Non-life insurance client services department
Green suburbs
Masaryk Square No. 1458
532 18 Brown
or:
Willis Ltd
Charles Square Center
Karlovo nám. 10
120 00 Prague 2
Tel.: 296 214 551 – 5
Fax: (+296) 214 550 XNUMX

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