Loss of Pilot Licence Insurance
A pilot’s licence is not just a qualification. It is your ability to work, earn, and stay current in a profession where medical standards are closely monitored.
Loss of licence insurance is designed for professional civil aviation pilots holding the appropriate flight licence. It can be structured to support you financially if an accident or illness results in your licence being suspended temporarily, or withdrawn permanently, subject to the terms, limits, exclusions and conditions of the policy.
In Spain and across Europe, medical certification requirements under EASA rules can change quickly after a diagnosis or event. This type of cover is built for that reality. The right structure helps you plan for periods when you cannot fly, whether for a defined recovery period or long-term.
We advise on policy structure and wording, help you compare options, and place cover with specialist markets. We also arrange loss of licence programmes for airlines, pilot associations and affinity groups where consistent benefits, clear eligibility and practical administration matter.
Who we work with
Professional pilots.
Airlines and associations.
We support aviation clients in Spain and internationally, from individual pilots to organisations managing member schemes, including:
Commercial airlines and operators
Programme design for pilot populations, including eligibility rules, benefit structure, and a practical enrolment process.
Pilot associations and professional bodies
Member schemes that fit association benefit structures, with clear communications and consistent wording.
Aviation employers and affinity groups
Cover arranged as part of an employee benefits approach or a voluntary scheme, depending on how the group is set up.
Licensed professional pilots
Airline, cargo, business aviation and helicopter pilots insured on an individual basis, aligned to licence status and income profile.
Flight schools, training organisations and examiners
Protection for instructors and examiners whose ability to work depends on maintaining medical certification and licence privileges.
What can be covered
From licence to income. Cover that holds up.
Advice on the right structure for your role and income
We help define the sum insured, benefit periods, and waiting periods, and explain the trade-offs so you can choose a structure that fits your circumstances.
Permanent loss of licence (lump-sum benefit)
If you permanently lose your licence due to an accident or illness that prevents you from working as a commercial aviation pilot, the policy may provide a lump-sum benefit up to the sum insured shown in the schedule, subject to policy terms.
Temporary loss of licence (income-style benefit)
If you are medically unfit to fly for longer than the waiting period, the policy may pay an agreed indemnity for the period you remain unable to fly, subject to benefit limits and conditions.
Optional mental health extension
Depending on the insurer and wording, some policies can include cover for psychiatric or psychological illnesses, or mental disorders, usually by extension and with an additional premium. We will set out the scope and any restrictions clearly.
Cover for airlines and associations
For airlines, associations and similar groups, we help structure programmes that are practical to run, including eligibility criteria, benefit consistency across member groups, and support with member communications and ongoing administration, subject to insurer requirements and policy terms.
Placement and negotiation with specialist markets
We approach appropriate insurers, negotiate terms, and confirm what is included, what is excluded, and how claims are assessed, so there are no surprises later.
Claims support
If a claim arises, we guide you through the process, including documentation, medical evidence requirements, and insurer communications, keeping it clear and managed."
Make your cover match the reality of flying
If you are comparing options, reviewing an existing policy, or exploring a scheme for an airline or association, we can talk through structure, wording, and what matters in practice.
FAQs
It is designed to respond if you lose your licence permanently due to accident or illness, and it can also be arranged to cover temporary periods where you cannot fly for medical reasons, subject to the policy terms.
Permanent loss typically relates to a lasting condition that prevents you from returning to commercial flying and results in licence withdrawal. Temporary loss generally relates to a defined period of medical unfitness where you expect to return, subject to medical clearance.
It is selected and shown in the schedule. We can help you sense-check the amount against income, financial commitments, and any employer benefits you already have.
Most policies include a waiting period before temporary indemnity payments begin. The length varies by insurer and is agreed at placement.
Often they are excluded as standard. Some insurers may allow them to be included by extension with an additional premium, with specific conditions. We will confirm what is available and what it means.
Yes. It can be structured as a group or member programme, depending on the organisation and insurer requirements. We help define eligibility, benefits, enrolment, and ongoing administration.
Cover can often be arranged on a worldwide basis for pilots who operate internationally. If your role, aircraft type, or employment arrangements change, we can review the policy to keep it aligned.
These vary by insurer and wording, but exclusions can apply for certain pre-existing conditions, non-disclosure, and other defined scenarios. We will walk you through the key points before binding cover.
Claims are assessed against the policy definition of disability and the evidence required, which can include medical reports and licensing authority outcomes, subject to the policy conditions.