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Aircraft liability:
Third-party liability is an essential component of any aviation insurance policy;
In fact, this is the only MANDATORY warranty before you can fly your aircraft;
This insurance provides compensation to victims/third parties, whether or not they are carried in the insured aircraft;
Aviation Civil Liability insurance is governed by EC Regulation 785/2004 for all flights to and from EU airports, as well as flights over the EU;
This regulation came into force on April 30, 2005, and sets out the minimum insurance requirements applicable to air carriers and aircraft operators;
It also imposes minimum guarantees in Special Drawing Rights (SDR) based on the aircraft’s maximum takeoff weight, such as:
| MMD categories (Kg) | Imposed limits (in SDR) |
| 1< 500 | 750 000 |
| 2< 1 000 | 1 500 000 |
| 3< 2 700 | 3 000 000 |
| 4< 6 000 | 7 000 000 |
| 5< 12 000 | 18 000 000 |
| 6< 25 000 | 80 000 000 |
| 7< 50 000 | 150 000 000 |
But also a limit per passenger of 250,000 SDRs; 1,000 SDRs per passenger for baggage; 17 SDRs per Kg of freight;
To check that your guarantee limit meets the requirements of Article EC 785/2004, you can visit a site that converts SDRs into EUR;