Subject to you meeting our eligibility requirements you can arrange immediate cover online. Simply enter your information in a quote, and if you are happy to proceed, complete your purchase via the website.

In most instances this should take less than 10 minutes from when you start a quote.

We operate a system which is very similar to how No Claims Discount works on motor insurance. If a new policyholder who has never owned a plane insures with us they start with a 0% NCD allowance, although they may be entitled to a 10% introductory discount if they have been claim free for 5 or more years. So long as there is no claim then over the next 3 renewals the No Claims Discount increases to 12.5%, 15% and 20% maximum respectively.

If a new policyholder joins us who has held an aircraft policy elsewhere and has been claims free then we put them on the level of the NCD scale that they would have been if they had been insured with us over the period. For example a policyholder who held a claim free policy for 2 years would get a 15% discount.

We give a discount when you insure more than two aircraft with us, with the level of discount increasing the more aircraft you insure.

The discount is awarded immediately on any new policies and then applied to the renewal premium of any existing policies.

While we can provide insurance for a wide range of aircraft, there are some types which we are currently unable to cover, including those which:

• Are used for hunting, patrol, fire-fighting, the intentional dropping, spraying or release of anything, any form of experimental flying, any form of flying which requires the pilot to hold a current mountain rating and any other use involving abnormal hazard.
• Have been configured for cargo.
• Are ‘warbirds’ or amphibious craft.
• Are owned by someone who does not have a registered UK address.
• Have a hull value greater than €2.25 million.
• Are gliders, hot air balloons or UAVs.

However, we do regularly review our acceptance rules so please check back in future if we are currently unable to provide a quote.

We use an automated underwriting system which uses the information you supply when you request a quote to decide whether we can provide cover and if so at what premium. In most instances we are able to provide an immediate decision and quotation.

Occasionally there may be some aspect of the information provided which means the case needs to be referred to an underwriter before a decision on acceptance and premium can be made. In such instances we notify you on screen of the need for the referral and you can then choose whether you want the referral to continue. If you decide to go ahead with the referral, the underwriter will email you once they have reviewed the case and made their decision.

While we can normally provide an immediate quotation and cover, occasionally there may be some aspect of the information provided which means the case needs to be referred to an underwriter before a decision on acceptance and premium can be made.

In such instances we notify you on screen of the need for the referral and you can then choose whether you want the referral to continue. If you decide to go ahead with the referral, the underwriter will email you once they have reviewed the case and made their decision, usually within 1 business day.

There are two types of flying hours to consider, total hours and hours on type:

Total Hours.
This relates to the total hours a named pilot has logged on this category of aircraft (e.g. helicopter, aeroplane etc.) Note that unpowered glider hours are not to be included when calculating total aeroplane hours but powered glider and microlight hours may be included.

Hours On Type
This relates to the total hours a named pilot has logged on this make and model type (e.g. Piper PA28 is a make and model type, Cessna 150 is a different make and model type etc). Note that hours spent on variants of a model type can be included (e.g. Piper PA28 is a model type and would include hours on a PA28 140, PA28 160 etc).

Quotes for new policies or for changes to existing policies are guaranteed for 30 days from when the quote was first entered.

If you are a registered user, your quotes will be displayed in your dashboard for the guarantee period, after which they are deleted.

Renewing your policy is simple:

• We will send you a renewal notification email 21 days before your renewal date.
• Login to Visicover.com using your registered email and password. If you do not remember your password please click here
• Open the renewal quote for the policy which is due for renewal.
• Review the quote information and update it as required to reflect any changes (e.g. increases to pilot hours). You can 'Save and Exit' the renewal quote at any point.
• At the bottom of the 'Cover and Quote' screen you will see the renewal premium. If you are happy with the renewal quote, click ‘Next’ to proceed to the summary page.
• Tick the little box in the declaration to confirm the information you have supplied is complete, then click ‘Continue to Purchase’.
• On the payment screen you will be asked to choose how you wish to pay and to provide payments details, after which you simply complete the purchase.
• An email will be sent to you with your renewal documents after you have completed the purchase.

If you buy a new aircraft then you have two choices:

• If you purchase the new aircraft on the same day as you dispose of the previous one then you can simply amend the details on your current policy to show your new aircraft. For information on how to do this, click here.
• If you are keeping your old aircraft, or have yet to sell it, then you should set up a new policy in respect of the new aircraft. For information on how to do this, click here.