Mandatory Insurance Requirements

Mandatory insurance requirements for aircraft in accordance with EC Regulation EC 785/2004.

On 30th April 2005, EC Regulation EC 785/2004 on insurance requirements for air carriers and aircraft operators came into force. The Regulation was subsequently amended on 6th April 2010. The Regulation, as amended, specifies the minimum levels of insurance required by aircraft operators and air carriers in respect of third party cover, passenger cover and cover for risks of war and terrorism.

In the United Kingdom the Civil Aviation Authority is the designated authority for monitoring compliance with the regulation on behalf of the Department for Transport.

To view the legislation in full please see EC 785/2004.

To view the amendment please see EU 285/2010.

To view the implementing regulations that came into force on 30th April 2005 please see The Civil Aviation (Insurance) Regulations 2005.

To view the explanatory memorandum to the Civil Aviation (Insurance) Regulations 2005 please see HMSO SI 2005 No 1089.

To view FAQ's on the requirements please see FAQ's.

To check an estimate of the minimum levels of cover for a UK Registered aircraft enter the registration mark in the G-INFO search and follow the link in the third party insurance information section of the individual aircraft selected. We have provided a calculator to help you with your calculations.

Please note, it is for the air carrier and aircraft operator to satisfy itself that the level of cover it has in place is sufficient to meet the requirements in Council Regulation 785/2004.

It should be noted that the estimate is based on a calculation that takes into account the following variable items:

  • The maximum take-off mass of the aircraft – taken from the details held by the CAA from the aircraft’s flight manual or from another CAA derived source.
  • The number of passengers carried - either the number declared by the operator or air carrier (if supplied), or the design maximum number of passengers for the aircraft.
  • The exchange rate from SDR’s (Special Drawing Rights) to Pounds Sterling taken from the IMF website on the date given.

It should be noted that no estimate of the minimum requirements in respect of cargo is given as no centrally held data concerning cargo capacity is held. It should also be noted that as the estimates given are based on a number of variable items, if any of the items used in the calculation are incorrect then this will affect the amounts quoted.

The CAA will normally consider evidence of insurance, and therefore compliance with the Regulation, on the basis of the exchange rate between Sterling and the SDR in place at the inception of the policy. However, owners and operators need to be aware that it is their responsibility to ensure that adequate cover exists for each and every flight. If owners or operators have concerns over their level of cover they should contact their broker for advice.

For information on the requirements as they apply to air carriers, i.e. those aircraft which are operated by either a Type A or Type B Operating Licence Holder please see Airline Licensing.

If you require further information on the requirements for aircraft that are not operated by Type A or B Operating Licence Holders please contact the Aircraft Registration Section.