Aviation Insurance

UIB places aviation cover for commercial operators, private aircraft owners, aviation service businesses, and commercial drone operators across the UAE. Risk profiles differ significantly by aircraft type and use, so we start by understanding exactly what’s being flown, how often, and for what purpose.

For fixed-wing and rotary aircraft, cover typically combines aircraft hull insurance or physical damage or total loss with aviation liability insurance for third-party and passenger claims, an essential pairing since a single incident often triggers both. We’re clear on exclusions specific to aviation, including unlicensed pilot use, maintenance lapses, and operation outside permitted flight zones, all of which can void cover if not properly declared. For commercial drone insurance, cover needs to reflect both the equipment value and the liability exposure from operating over people or property, which UAE regulations increasingly require operators to hold before flying commercially.

The UAE’s aviation regulatory framework, through the GCAA, sets specific requirements for operator licensing and insurance minimums, and we structure programs to meet those requirements rather than generic international minimums that may fall short locally. Aviation claims move through specialist adjusters given the technical nature of most incidents, and our claims team coordinates that process directly rather than leaving clients to navigate it with an unfamiliar insurer.

A question we hear often is ‘does hull cover include cover while an aircraft is grounded for maintenance?’ Usually yes, under a reduced ‘not in motion’ rate, and we structure that into the policy from the outset rather than leaving a gap.