Gliders and motor-glider
(Compliant with B.G.A. and European regulations, including EC 785/2004)

Minimum requirements	1 seat	2 seats
MTOM less than 500kgs	£1m	£2m
MTOM 500kgs or more	£1.75m	£2m

The limits stated above should be treated as a guideline and where the regulation states a lower amount than we are prepared as brokers to provide then our minimum figure has been applied. Please note that the actual amounts required by regulation EC785/2004 are set in SDRs (Special Drawing Rights), a means of demonstrating a consistent value across different currencies. Each country then converts the SDR amount to its own currency in order to work with real sums. We offer minimum limits which incorporate a 'buffer zone' to reduce the risk that changes during your policy period leave the sterling limits insufficient to meet requirements. However, recently exchange rates have shifted by such a degree that it has been necessary to increase the liability limit in sterling required by single seat gliders/motorgliders with MTOMs of 500kg or over. Arrangements have been made with the Insurer to cover any excess for existing policies which fall below the new sterling limit of £1.75m. The other stated limits are B.G.A. requirements which pre-dated EC785/2004 and still comfortably exceed its requirements. We continue to monitor the exchange rates on a regular basis but may not be able to update this page straight away should requirements change again. Please feel free to contact us if you have any queries.

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Private and Tug aircraft
Minimum levels of liability insurance we offer (compliant with European regulations, including EC785/2004)

Minimum requirements	1 seat	2 seats	3 seats	4 seats	5 seats	6 seats
MTOM 0 - 499kgs	£1m	£1.25m	£1.5m	£1.75m
MTOM 500kgs to 999kgs	£1.75m	£2m	£2.25m	£2.5m	£2.75m
MTOM 1,000kgs to 2,699kgs	£3.25m	£3.5m	£3.75m	£4m	£4.25m	£4.5m

The limits stated above should be treated as a guideline. Please note that the actual requirements are set in SDRs (Special Drawing Rights), a means of demonstrating a consistent value across different currencies. Each country then converts the SDR amount to its own currency in order to work with real sums. As such these requirements are subject to fluctuation with the exchange rates. We offer minimum limits which incorporate a 'buffer zone' to reduce the risk that changes during your policy period leave the sterling limits insufficient to meet requirements. We continue to monitor the exchange rates on a regular basis but may not be able to update this page straight away should requirements change again. Please feel free to contact us if you have any queries.