Liability insurance for damage caused by the operation of SFD in 2023 - according to the Regulation

​According to insurance contract No. 8077943328, liability insurance for damage caused by the operation of sports flying equipment (hereinafter referred to as "SFD") is arranged within the scope of VPP AVN 2014 part C, article I, paragraph 1. According to the will of the insured expressed before the individual insurance concluded by this insurance contract in the application for insurance (see Article V of this insurance contract), insurance can be established to the extent also according to VPP AVN 2014 Part C, Article I, Paragraph 2. according to this insurance contract, it also applies to air competitions.

2. According to REGULATION 785/2004 of the European Parliament

The only insurance option for aerodynamically controlled ultralight aircraft (ULL), ultralight helicopters (ULH), ultralight autogyrocraft (ULV) and ultralight gliders (ULK).

  • It can also be used by paragliders, hang gliders, motorized paragliders and motorized hang gliders (requiring higher limits of insurance cover than the decree stipulates)
  • Territorial validity only in the Czech Republic + Slovak Republic or the whole world except excluded territories
  • Divided according to take-off weight into 3 categories - up to 300 kg, up to 499 kg and up to 600 kg
  • Can be concluded for the period from payment to 31/12/2022 (for the whole year), or for a specifically determined shorter period
  • POSSIBILITY TO INSURE LIABILITY TO PASSENGERS ON BOARD (MANDATORY for two-seater SFD carrying a passenger). The insurance does not apply to a family member or household member (see VPP AVN 2014, part E. article 1 point 10)
  • The insurance company requires the insured to apply for insurance either BY WRITTEN APPLICATION or ONLINE

Amount of minimum limits in SDR
(SDR, Special Drawing Rights = ZPČ, Zvláštní Práva Čerpání = a single currency and accounting unit used within the International Monetary Fund. Average value 34 CZK/SDR)

Scope of coverage according to the type of SFD operation
commercial non-commercial

VPP AVN 2014 part C, article 1, paragraph 1

(responsibility in relation to 3rd parties outside SFD)

MTOW up to 499 kg 750 000
MTOW up to 600 kg +1 500 000
VPP AVN 2014 part C, article 1, paragraph 2

(liability in relation to passengers and baggage)

251 288 128 821

Business operation is an activity carried out for payment or for rent.
The insurance coverage limit applies to one and every passenger.

Premium amounts – Territorial validity of the Czech Republic + SR (in CZK):

Scope of liability insurance coverage
War and terrorism risk insurance
year ne
SFD operation type
 commercial  non-commercial  commercial  non-commercial

3. persons outside SFD

(MTOW up to 300 kg)

according to VPP AVN 2014 part C, article 1, paragraph 1 1 600 1 000

3. persons outside SFD

(MTOW up to 499 kg)

1 800 1 150

3. persons outside SFD

(MTOW up to 600 kg)

2 900 -
Liability to the passenger on board according to VPP AVN 2014 part C, article 1, paragraph 1 and 2 2 000 1 500 2 050 1 350

War and terrorism risk insurance is not required for aircraft up to MTOW 499 kg that are used for non-commercial purposes or are used for flying instruction, while not crossing international borders. The insurance is negotiated in accordance with clause AVN 52E, which is an appendix to this insurance contract.

Insurance premium amounts - Territorial validity worldwide (incl. CR + SR) in CZK:

Scope of liability insurance coverage
War and terrorism risk insurance
year ne
SFD operation type
 commercial  non-commercial  commercial  non-commercial

3. persons outside SFD

(MTOW up to 300 kg)

according to VPP AVN 2014 part C, article 1, paragraph 1 1 750 1 250

3. persons outside SFD

(MTOW up to 499 kg)

2 400 1 700

3. persons outside SFD

(MTOW up to 600 kg)

3 750 -
Liability to the passenger on board according to VPP AVN 2014 part C, article 1, paragraph 1 and 2 2 600 1 850 2 550 1 850

Minimum premium price for individual SFD with take-off weight over 150 kg is set at 800 CZK.
Amounts are rounded mathematically to whole crowns.

Common provisions for insurance according to the decree and regulation

The possibility of using a shortened insurance period for insurance according to the DECLARATION

When using the option to arrange insurance for a shorter, specifically determined period, the price of the insurance premium is determined according to the length of the required period by the percentage rate of the annual insurance premium according to the following table:

Insurance period % of annual premium
1 – 3 days 20
4 -14 days 25
within 3 months 40
within 6 months 60
within 9 months 85
more than 9 months 100

Liability 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, Mauritania, Nigeria, Somalia, Republic of Sudan, South Sudan
b) Colombia, Peru
c) Afghanistan, Jammu and Kashmir (Union State in India), North Korea, Pakistan
d) Abkhazia, Donetsk & Lugansk (regions in Ukraine), Nagorno-Karabakh, North Caucasus 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

Furthermore, it is agreed that exclusively for the type of aircraft Paraglider and Paraglider - tandem, the insurance is provided in deviation from letters a) and b), point 4.1, part B, article II. also applies to insurance events occurring in the territory of COLOMBIA and KENYA.

Under the conditions:

  • Aircraft type: Paraglider / Paraglider - Tandem
  • Insured amount of insurance benefit EUR 1,5 million
  • Insurance including clause AVN52e
  • Transport across the Atlantic - the paraglider will be carried on the plane as oversized luggage

Despite the provisions of the previous paragraph, liability insurance for damage agreed with a territorial scope for the entire world 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.

Conditions for processing policies:

  • Filling out the application for the insurance policy and delivering it to the LAA in person, by post or fax (the paper form of the application is printed in the December Bulletin of the LAA ČR), by e-mail to the address sormova@laacr.cz (for SFD with registration mark) or tinakova@laacr.cz (for paragliders), or ONLINE? (then you no longer send the application).
  • 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 paid in cash at the LAA cash desk). The insurance policy is valid no earlier than the day after the payment of the insurance amount.

Reporting adverse events:

The insured shall immediately report the occurrence of a damage event by calling: +466 100 777 or electronically at the internet address www.csobpoj.cz or at the address:

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

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