Services to pilots Insurance Liability insurance for damage caused by the operation of SFD in 2024 - according to the Regulation

Liability insurance for damage caused by the operation of SFD in 2024 - according to the Regulation

(You can find insurance valid in 2023 here)

According to insurance contract no. 807968012 is negotiated liability insurance for damage caused by the operation of sports flying equipment (hereinafter referred to as "SFD") 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 may be established to the extent also in accordance with 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), ultralight gliders (ULK) and ultralight balloons (UB).

  • 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 31/12/2024 (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 and 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 29,86 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 2 030 1 270

3. persons outside SFD

(MTOW up to 499 kg)

 2 280 1 450

3. persons outside SFD

(MTOW up to 600 kg)

 3 680 -
Liability to the passenger on board according to VPP AVN 2014 part C, article 1, paragraph 1 and 2 2 530 1 900 2 600 1 700

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 2 210 1 590

3. persons outside SFD

(MTOW up to 499 kg)

 3 040 2 160

3. persons outside SFD

(MTOW up to 600 kg)

 4 740 -
Liability to the passenger on board according to VPP AVN 2014 part C, article 1, paragraph 1 and 2 3 290 2 340 3 220 2 340

Common provisions for insurance according to the decree and regulation

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

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
Minimum premium price is for individual SFDs with a take-off weight over 150 kg is set at 800 CZK.
Amounts are rounded mathematically to whole crowns.
Liability insurance does not apply to any harmful events 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, Peruc) Afghanistan, and Kashmir ( union state in India), North Korea, Pakistan) Abkhazia, & Lugansk (regions in Ukraine), Nagorno-Karabakh, North Caucasus Federal District (region of Russia), South ,e) Iran, Iraq, Lebanon, Libya, North Sinai including the international airport in (province in Egypt), Syria, Yemen,f) Any state in whose territory the operation of an aircraft is in violation of United Nations sanctions.

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 the international airport in Taba (province in Egypt), Syria, Yemen,
f) Any State in whose territory the operation of an aircraft is in violation of United Nations sanctions.

Insurance does not apply for damages claimed under aircraft operating liability insurance, additional passenger liability insurance, if the damage occurs in the Defined Territory (as defined below) and/or if such damage occurs by virtue of or in connection with armed conflict between Russia and Ukraine. However, this exclusion does not apply to aircraft which are neither heading to nor leaving the Defined Area, but which 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).
Despite the provisions of the previous paragraph, the liability insurance for damage agreed with a territorial scope on the territory of the whole 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:
  • ONLINE (www.laacr.cz) (after that you no longer send a paper application).
  • Filling in the insurance application and delivering it to the LAA in person, by post (the paper application is printed in the December Bulletin of the LAA ČR), or by e-mail to the address sormova@laacr.cz (for SFD with registration mark) or tinakova@laacr.cz (for paragliders).
  • 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 notify the occurrence of a loss event immediately by phone: 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 550Side dishes: