Frequently Asked Questions
As market leaders in providing high quality aircraft and helicopter insurance policies, Alan & Thomas Aviation Insurance Brokers know what it takes to provide you with a comprehensive aviation insurance package at an affordable price.
We are an independent insurance broker which means we can often offer clients a number of policy discounts and optional extras to ensure you have the best insurance cover available - and at the right price.
Please take a moment to read through the answers to all your aircraft and helicopter insurance related questions on our frequently asked questions page.
Why should I choose Alan & Thomas?
Alan & Thomas Insurance Group is a leading Chartered Insurance Broker that has a specialist team for arranging comprehensive and competitive insurance cover for all types of aircraft including single engine, twin engine, sportplane, turboprop, cargo plane and business jets.
We work closely with the UK's leading insurers to develop bespoke insurance products, which allows us to tailor cover to our clients' exact requirements to fit their lifestyle and needs.
Speak to a member of our team today on 01202754900 for more information.
How do I get a policy?
Simply visit our 'Get a Quote' page by clicking here or speak to one of our expert advisors directly by calling 01202 754900
Can I get immediate cover?
Yes, we can organise cover immediately for you and payment can be taken over the telephone.
What cover should I choose?
Speak to one of our expert advisors directly who can help you with our entire range of aircraft and helicopter insurance policies - call 01202 754900
How can I pay for my insurance?
We can accept payment in full over the telephone via debit or credit card payment, or you can send a cheque in the post. Alternatively, we can offer payment by interest free monthly instalments, subject to status.
Can I spread my payments and pay by monthly instalments?
Yes, we can offer payment by monthly instalments.
My aircraft is not currently being flown - does it still have to be insured?
No - although your aircraft must be insured to the minimum levels before any flight is undertaken. if you are unsure in any way, please speak to one of our expert advisors on 01202 754900.
Whose responsibility is it to ensure cover exists for each flight?
It is always the responsibility of the aircraft operator - by this, we mean the person or entity who has continual effective disposal of the use or operation of the aircraft. In most cases, the natural or legal person whose name the aircraft is registered shall be presumed the aircraft operator.
What is the definition of a passenger?
A passenger is defined as 'any person that is on a flight with the full consent of the air carrier or the aircraft operator, excluding on-duty members of both the flight crew and cabin crew.
What is an excess?
An excess is the amount you would have to pay in the event of an insurance claim, and this is something that is agreed before you complete your policy.
Can I cancel my policy at any time?
Yes you do have the option to cancel your policy at any time - to do this, please contact one of our advisors on 01202754900.
Do you offer cover for training flights?
Continued or advanced training of permitted pilots is available as an added extra on some of our policies, but for full details on what training insurances are available, please contact our team directly.
If I rent or borrow an aircraft, do I still need my own insurance policy?
Absolutely - it is often a common misconception that you will be automatically be covered as part of the policy of the aircraft owner. If you are unsure of your insurance requirements, speak to a member of our team on 01202754900.
Where am I permitted to fly my aircraft?
As part of our service when taking out a new aircraft or helicopter insurance policy, we will discuss your individual requirements to create a policy that is unique to you. Within this policy, we will outline the areas you are permitted and covered to fly in - this can vary from UK only to include Europe and further afield.
Can I take out a policy even though I am not the aircraft owner?
An aircraft insurance policy can be taken out by anyone that has an insurable interest in the aircraft - this means if you can demonstrate that you could suffer a financial loss in the event of aircraft loss or damage, we can help.
In most cases, it is usually the aircraft owner that arranges the insurance cover as they have the insurable interest, whether it be as an individual, a group or a flying school.
How do I make a claim?
We have a dedicated in-house claims team staffed by experienced and knowledgeable advisers who, in the unfortunate event of you having to make a claim during the life of your policy, will manage the process on your behalf.
In the unfortunate event that you have to make a claim, simply call us on 01202 754900 and we’ll get the ball rolling straight away.
About Alan & Thomas
Firmly established as one of the top 100 independent insurance brokers in the UK, we have been providing personalised insurance policies since 1975. Using a network of 37 independent brokers known as Brokerbility, our expert team can offer a local and personal service across the whole of the UK.
Chartered Insurance Brokers
Having been awarded the highly regarded title of "Chartered Insurance Broker" by the Chartered Insurance Institute (CII) back in 2007, we are currently the only independent broker in Dorset to have achieved this status.