Insurance

Be on the safe side: Wingly pilots and passengers benefit from an extra coverage if the compulsory insurance is insufficient.

Insurance is at the heart of the services offered by Wingly. We offer our users a unique and carefully designed insurance, underwritten by Allianz Global Corporate and Speciality SE (AGC&S), and powered by SAAM Verspieren Group covering all light aircraft flights across Europe and countries along the Mediterranean coast. Our additional complimentary insurance can cover benefits up to a 1 million euro, in addition to the default obligatory insurance covering flights on a light aircraft.

A first in general aviation:

This tailored insurance policy results from the joint efforts between Wingly, SAAM Verspieren Group, and ACGS; three European firms, who are leaders within their respective domains. Wingly’s users can now benefit from this insurance, which has been dubbed: the Aircraft Liability Insurance for the Pilot User.

Questions ans Answers, answered by our expert partner SAAM Verspieren:

Our Aircraft Liability Insurance of the Pilot User, covers the civil liability of the pilot toward his passengers, and the third parties on the ground. This insurance has an upper limit of one million euro per claim (within the limit of five million euro per year), all in the event of insufficience of the obligatory coverage of the aircraft in question.
The insurance offered by Wingly, is free of charge, and it covers all of the light aircraft flights organized through the Wingly platform. It is Wingly that assumes all the costs of the insurance.
Yes, cost-shared flights have always been covered by the Aircraft Liability Insurance, which is mandatorily attached to the plane or helicopter in question. The Aircraft Liability Insurance has been obligatory since 2004 within the European Union, and insures the passengers and third parties on the ground. The insurance offered by Wingly comes in addition to the existing coverage, when the latter proves to be insufficient.
In case of accident, the pilot-in-command or the owner/operator must first inform the fire department and the police, and then must inform the broker or insurance mentioned in the insurance certificate of the aircraft in question. The insurance offered by Wingly will only intervene in second place, in the event where the obligatory insurance proved to be insufficient relatively to the damages incurred. The secondary insurance offered by Wingly will cover these damages as long as the upper limit of one million euro is not exceeded, per claim, and in the limit of five million euro per insurance year. Keep in mind that 80% of light aircraft accidents cause material damages, and not injuries. In the vast majority of cases, the procedure to follow in the event of an accident is only carried out by the pilot or the owner/operator of the aircraft.
No, the insurance subscribed by Wingly on behalf of the pilot user is not a cancellation or refund assistance. If the flight was cancelled by either the pilot or the passenger, then users are advised to reschedule the flight for a later date, or to cancel it permanently. Every party involved will be fully reimbursed for any expenses incurred.
No, the insurance subscribed by Wingly on behalf of the pilot users is free of charge, and will be automatically and systematically applied to all of the flights organized on light aircraft via the Wingly platform. No subscription or declaration is required, both the passenger(s) and the pilot will benefit from it.
The insurance subscribed by Wingly covers all flights carried out on light aircraft across Europe and the countries bordering the Mediterranean coast, excluding Algeria, Libya, Sudan, North Sinai Province in Egypt, and Lebanon.
Yes, the insurance offered by Wingly covers round shared-flights, and A-to-B navigation flights as long as the aircraft’s weight does not exceed 5.7 tons. It is however important to note that the insurance offered by Wingly does not yet cover helicopter flights.
Yes, in order to confirm that you are eligible to make use of our insurance program, we have to transfer some of your your personal data to our partners. We share with our broker, SAAM Verspieren Group, the identity (First Name and Last Name) of all flight participants and some flight parameters (date of execution, airfield of departure …). Please note that the transfer of your data is secure, and that our partners are also entitled to follow Personal Data Law Protection.
The insurance offered by Wingly is a Aircraft Liability Insurance of the Pilot User, which covers the civil liability of the pilot in command in the event of an accident. Our insurance indemnifies passengers and third parties on the ground in addition to the obligatory insurance in the event where the latter insurance proves to be insufficient. The purpose of the insurance offered by Wingly is to allow third parties to benefit from the coverage provided by a financially strong insurer. This insurance is not an Individual Accident Insurance, and therefore does not cover the pilot personally. It is the pilot’s responsibility to have an Accident Insurance policy. Similarly, the insurance offered by Wingly does not cover the damages caused to the aircraft in question. If the aircraft was rented, you will need to verify that the entity from which you rented it, is subscribed to an “Aircraft Body Insurance”. If you own the aircraft in question, then it is your duty to cover the damages that may impair your aircraft.
If you are an owner, or a manager at a flying club, or at an aircraft rental entity and you have inquiries regarding your insurance coverage, then you are invited to contact our broker SAAM Verspieren Group for further information.
Yes, whether you are the owner or the renter of the plane in question, the aircraft is obligatorily insured in accordance with the regulation CE785/2004 of Civil Liability, which imposes a minimum warranty determined according to the weight - MMD/MTOW - and to the number of passenger seats of the machine. This is usually reflected on the aircraft certificate or on the obligatory insurance contract. Yes, as long as the usage of flight-sharing is not explicitly excluded. This is the reason why, before you carry out a shared flight, you are advised to notify your broker or the entity from which you rented your aircraft. Bear in mind that all of the contracts proposed by the SAAM Verspieren Group explicitly mention that they cover cost-shared flights. However, it is not compulsory for flight-sharing to be explicitly mentioned in your insurance policy. Indeed, the insurance cover for ‘passenger transport’ accompanied by the non-exclusion of the activity of cost-shared flights is necessary. Finally, the insurance offered by Wingly comes into play with the purpose of protecting the pilot in case the original insurance that is attached to the aircraft is not sufficient, or defaults.
Yes, the insurance offered by Wingly covers round shared-flights, and A-to-B navigation flights as long as the aircraft’s weight does not exceed 5.7 tons It is important to note that the insurance offered by Wingly does not yet cover helicopter flights. Helicopter flights are always covered by the original insurance attached to the helicopter itself.
Yes, all of the pilots complying with the regulations for cost-shared flights are eligible to benefit from our insurance coverage. Pilots must attest to sufficient experience, as is requested by EASA in Europe. All over Europe, the pilot must satisfy the classical criteria for passenger transportation, as follows:
- Hold a valid PPL License
- Hold a valid Class 2 medical certificate
- Have carried out at least 3 landings and 3 take-offs during the three months prior to the state of the cost-shared flight
Although it is preferable to have flight-sharing mentioned under the ‘Uses’ of the aircraft’s obligatory insurance contract, there is no regulatory requirement. All of the contracts offered by the SAAM Verspieren Group already mention that they cover cost-shared flights, or they could mention it explicitly upon request. However, it is not compulsory for flight-sharing to be explicitly mentioned in your insurance policy. Indeed, the insurance cover for ‘passenger transport’ accompanied by the non-exclusion of the activity of cost-shared flights is necessary. Finally, the insurance offered by Wingly comes into play with the purpose of protecting the pilot in case the original insurance that is attached to the aircraft is not sufficient, or defaults.
There is no regulatory requirement that requires you to disclose this information, but we strongly recommend that you inform your flying club or your plane-rental entity of the your cost-shared flying activities. We also recommend that you verify with your flying club that cost-shared flights is permissible under the association’s status.
The insurance offered by Wingly covers passengers, and third parties on the ground in the event where the obligatory insurance proves to be insufficient, within the limit of one million euro per claim, and five million euro per insurance year. The insurance does not cover any personal damages inflicted on the pilot, but does cover the damages for which he may be held reliable in regards to the passengers, their luggage, and third parties on the ground.
1- Inform the fire department, and the police if necessary
2- Declare the accident to the broker or the insurer mentioned on the insurance certificate attached to the aircraft in question
3- Notify Wingly as a secondary step via email to insurance@wingly.io. If you have inquiries or doubts, get in touch with our insurance broker SAAM Verspieren Group by dialing +33 (0)1.49.64.10.61

The insurance offered by Wingly will only intervene in second place, when the obligatory insurance of the aircraft fails to be sufficient relatively to the damages incurred. The insurance offered by Wingly will cover these damages as long as the upper limit of one million euro per claim and five million euro per insurance year is not exceeded. This is the reason why, it is necessary to follow these steps in chronological order, and contact the insurance broker mentioned on the insurance policy attached to the aircraft, before contacting Wingly’s insurance broker, who can only intervene in case the obligatory insurance does not apply.
No, the insurance offered by Wingly does not replace the obligatory insurance, but comes as a complement to it, as a secondary measure. In the event of any damage, it is the obligtaory Civil Liability attached to the plane that should be used as a primary insurance. Wingly’ insurance is to be applied in second place, in case the pre-existing insurance falls short of covering the totality of the damages.
Yes, cost-shared flights have always been covered by the obligatory Civil Aircraft Liability. The Aircraft Liability Insurance has been obligatory since 2004 within the European Union, and insures the passengers and third parties on the ground. The insurance offered by Wingly comes in addition to the existing and obligatory coverage, in the event where the latter insurance proves to be insufficient.
No, the insurance offered by Wingly does not cover the damages caused to the aircraft. If the aircraft was rented, you will need to verify that the entity from which you rented it, is subscribed to an Aircraft Body Insurance. If you own the aircraft in question, then it is your duty to cover the damages that may occur to your aircraft. If you are an owner, or a manager at a flying club, or at an aircraft rental entity and you have inquiries regarding your insurance coverage, then you are invited to contact our broker SAAM Verspieren Group for further information.
Yes, the insurance offered by Wingly covers cross-border flights carried out on board light aircraft happening within the geographical limits set by the insurance policy. These limits include the following locations: all of Europe, and the countries bordering the Mediterranean coast, excluding Algeria, Libya, Sudan, North Sinai Province in Egypt, and Lebanon.
The insurance subscribed by Wingly covers all flights carried out on light aircraft across Europe and the countries bordering the Mediterranean coast, excluding Algeria, Libya, Sudan, North Sinai Province in Egypt, and Lebanon.
The insurance offered by Wingly covers round shared-flights, and A-to-B navigation flights carried out on light aircraft, as long as the aircraft’s weight does not exceed 5.7 tons. It is important to note that the insurance offered by Wingly does not yet cover helicopter flights. Helicopter flights are always covered by the original insurance attached to the helicopter itself.
No, the insurance offered by Wingly is free of charge, and will be automatically and systematically applied to all of the flights carried out on light aircraft via the Wingly platform. No subscription or declaration is required, both the passenger(s) and the pilot will benefit from it.
No, the insurance suggested by Wingly is not a cancellation or refund insurance. If the flight was cancelled by either the pilot or the passenger, then users are advised to reschedule the flight for a later date, or to cancel it permanently. Every party involved will be fully reimbursed for any expenses incurred. We take this opportunity to remind you, that you should not hesitate to cancel a flight if you deem that the weather conditions are unsatisfactory.
Yes, in order to confirm that you are eligible to benefit from our insurance program, we have to share some of your personal data with our partners. We transfer to our insurance partners, SAAM Verspieren Group and the Allianz (AGCS), the identity (First Name and Last Name) of all participants to the flights and some flight parameters (date of execution, airfield of departure …). Please note that your data is transferred securely, and that our partners are also entitles to follow Personal Data Law Protection.