APPI insurance digest


This is a summary document only. For more info, consult the general and specific conditions and terms of the contract available in documents below.
PDF - 145.5 kb
APPI Insurance policy v1.0 English
SPECIAL CONDITIONS APPI Insurance
CIVIL LIABILITY & PERSONAL ACCIDENT
related to the use of gliders for APPI members

PDF - 144.8 kb
APPI Insurance policy v1.0 French
CONDITIONS PARTICULIERES Assurance APPI
RESPONSABILITE CIVILE & INDIVIDUELLE ACCIDENT
liées à l’utilisation d’Aéronefs des membres APPI

PDF - 160.9 kb
Terms and conditions v1.0 French
Note: special conditions predominate

PDF - 133.9 kb
APPI Insurance policy v1.0 English for TURKEY
SPECIAL CONDITIONS APPI Insurance for TURKEY
CIVIL LIABILITY & PERSONAL ACCIDENT
related to the use of gliders for APPI members

Insurance contract eligibility

At present, European community, Turkish and Swiss residents are eligible, as well as European community, Turkish and Swiss citizens even if they live abroad.
Our Broker is already working to extend the offer to Latin America.

Insurance options available

THIRD PARTY LIABILITY INSURANCE

Who may subscribe?

- Pilot third party liability insurance:
Any eligible APPI affiliated member may subscribe this insurance.

- Non commercial tandem pilot third party liability insurance:
Any eligible APPI affiliated member with a certification at least of non-commercial tandem pilot (previously open sky tandem pilot) status « pending » with pro workshop certification may subscribe this insurance.

- Professional third party liability insurance:
Any eligible APPI affiliated member with a certification at least of APPI tandem pilot status « validated » with pro workshop certification, or instructor status « validated » with pro workshop certification may subscribe this insurance.

If you are not affiliated, the system will automatically propose you to pay your annual APPI subscription at the moment to pay your insurance fees.

What does it cover?

- Pilot third party liability insurance:
Any damage you may cause resulting from an accident during the covered activities as a solo pilot, flying a paraglider or a speed glider where you are at fault. You are not insured for flying Hang-gliders, Powered paragliders … You are not insured if you don’t abide by local laws, traffic rules or APPI rules.
You are insured up to 1.600.000 euros per accident and/or per event. Accidental Bodily injures caused to someone are 100% covered. In case of accidental property damage you may cause, a deductible of 750 Euros per accident and/or per event is applicable.

- Non-commercial tandem pilot third party liability insurance:
Any damage you may cause resulting from an accident during the covered activities where you are at fault,
- as a solo pilot, flying a speed glider or a solo paraglider
- as a tandem pilot flying with a passenger on a non commercial activity.
You are not insured for flying Hang-gliders or Powered paragliders …
If you don’t abide by local laws, traffic rules, APPI rules... you are not covered.
You are insured up to 1.600.000 Euros per accident and/or per event. Accidental Bodily injures caused to someone (and particularly your passenger) are 100% covered. In case of accidental property damage you may cause, there is a deductible of 750 Euros per accident and/or per event.
Read carefully the contract, there are some exemptions (no coverage for material damage inflicted to a relative) and exclusions.
In some particular circumstances, a special cover named “ADMITTED’ THIRD PARTY LIABILITY PASSENGER INSURANCE (PHYSICAL INJURY)” may apply to your passenger up to 114.500 EUR. Insurance may make an advance of 10.000 Euros for search and transportation fees for your passenger.

- Professional third party liability insurance:
Any damage you may cause resulting from an accident during the covered activities where you are at fault,
- as a solo pilot, flying a speed glider or a solo paraglider
- as a tandem pilot flying with a passenger (including commercial activity)
- as an instructor guiding or teaching students
Also the damages your students may cause to a third party are covered, this if you, as the instructor, are responsible. Your students must be registered in APPI by you with a qualification “Pending”, and this before the accident!
You are not insured for flying Hang-gliders or powered paragliders …
If you don’t abide by local laws, traffic rules, APPI rules... you are not covered.
You are insured up to 1.600.000 Euros. Physical damage caused to someone (and particularly your passenger) are 100% covered. In case of material damage you cause, there is a deductible of 750 Euros. Read the contract, there are some exemptions (no coverage for material damage inflicted to a relative)
For the tandem activity, in some particular circumstances, a special cover named “ADMITTED’ THIRD PARTY LIABILITY PASSENGER INSURANCE (PHYSICAL INJURY)” may apply to your passenger up to 114.500 EUR. Insurance may make an advance of 10.000 Euros for search and transportation fees for your passenger.

In case your student causes damage and it’s not your fault, the damage would not be covered. To cover this case, we strongly recommend you propose to your student to subscribe to a personal third party liability insurance. Your student may also subscribe an individual insurance. Those options will appear on the students account as soon as you register him in the APPI system with status “Pending”. Your student may subscribe for either a one year coverage, or if more suitable a one month coverage at low cost.

INDIVIDUAL ACCIDENT

What does it cover?
Capital in case of death or disability of 16 000 Euros for death (from 20% disability rate) and 7500 Euros search and rescue fees.

Also we offer a one month low cost premium for students.

Conditions:
- Activities are not covered if insured is under the effects of drugs or alcohol.
- Not in case of record attempt.
- Respect of international rules / local rules / APPI rules.

Geographical coverage

All around the world except:
- Countries that are subject to French, Belgium or NATO embargo,
- Commercial activities in the USA and Canada are not covered

How does it work to subscribe

Log in your APPI account; if you are eligible, the "Insurance" button appears in your "My account" page featuring the options that are available for you.

You must have informed your identity with an identity card or passport.
If you are national of EEC, Turkey or Switzerland and don’t see the button ’Order an insurance’, you have to click on the button ’Modify my information’ and fill the identification box with your nationality.

To buy insurance, you must at least be registered as "Open Sky Pilot" with the status "Pending", if this is not the case, ask your APPI instructor to register as a student "Open Sky Pilot".

If you are not APPI affiliated:
The system will propose you to pay insurance plus APPI membership for one year.

If you are already APPI affiliated but remaining affiliation period is less than one year:
The system will propose you to pay your insurance for one year, plus the membership prorata to complete your APPI affiliation period until the end of the insurance period (12 months).

Be aware, some fees may apply depending of the payment mean you use.
Be very careful to select the payment method you use, if bank charges are higher than those paid, the insurance will not be validated!

If you are resident of Turkey, the special insurance for Turkey will be offered first.

Period covered

From the date and hour written on the APPI insurance certificate and for 12 months (except the one month insurance for students).

The confirmation document (insurance certificate) will be issued when your payment is effective, once received the payment receipt by email. You can print your own APPI temporary member license which also indicates the type and duration of your APPI insurance policy, for that click on the "Print a Temporary member license" button in your account page.

Warning for those who use the yahoo mail server because of many messages are lost.
Avoid Yahoo and AOL if possible!

Unpaid insurance policies will be removed after a week.

What to do in case of accident

Do not contact APPI in this case but only the insurance company.
The insured party must declare the loss or claim by email to: appiclaims@saam-assurance.com.

The insurance company must receive notification within 5 days of the accident/ incident
If they fail to declare this loss or claim in due time and form, this may lead to the forfeiture of the procedure.
The declaration must amongst other things, indicate the nature and circumstances of the damage, its presumed or known causes and consequences, the name and address of the pilot, of the affected parties, of the witnesses, and the identification of the aircraft as required.
In the absence of such declaration, except for fortuitous circumstances and circumstances outside one’s control, the insurance company may claim an indemnity proportional to the prejudice caused by this absence of declaration.
At present claims are accepted in the following languages: French, English, Spanish, Portuguese, Italian and Turkish. If the insured party does not speak one of these languages, please contact local APPI master or local APPI representative to help make declaration.
The insured party that purposely makes false declarations employs willingly false documents and deceitful means will lose all his rights regarding the guaranty and/or indemnities for the said loss or claim.

Cost

THIRD PARTY LIABILITY INSURANCE for EEC and Swiss
Student special offer for one month 15 €
Solo pilot for one year 40 €
Non-commercial tandem pilot for one year 150 €
Professional for one year 200 €
INDIVIDUAL INSURANCE for EEC and Swiss
Student, Pilot, Non commercial tandem pilot, Professional for one year 50 €
Student special offer for one month 20 €
THIRD PARTY LIABILITY INSURANCE for TURKEY
Student special offer for one month 16.80 €
Solo pilot for one year 44.10 €
Non-commercial tandem pilot for one year 168.00 €
Professional for one year 225.75 €
INDIVIDUAL INSURANCE for TURKEY
Student, Pilot, non-commercial tandem pilot, Professional for one year 57.75 €
Student special offer for one month 24.15 €

Beware

Due to excessive spam control, many messages sent by yahoo are lost. We recommend, if possible, to not use yahoo mail, but instead another mail server. if you use yahoo so it is quite possible that you did not receive your receipt of payment. But you can check that your insurance has been validated in the "My insurances" section on your account page.

This is a summary document only. For more info, consult the general and specific conditions and terms of the contract available in documents below.
PDF - 145.5 kb
APPI Insurance policy v1.0 English
SPECIAL CONDITIONS APPI Insurance
CIVIL LIABILITY & PERSONAL ACCIDENT
related to the use of gliders for APPI members

PDF - 144.8 kb
APPI Insurance policy v1.0 French
CONDITIONS PARTICULIERES Assurance APPI
RESPONSABILITE CIVILE & INDIVIDUELLE ACCIDENT
liées à l’utilisation d’Aéronefs des membres APPI

PDF - 160.9 kb
Terms and conditions v1.0 French
Note: special conditions predominate

PDF - 133.9 kb
APPI Insurance policy v1.0 English for TURKEY
SPECIAL CONDITIONS APPI Insurance for TURKEY
CIVIL LIABILITY & PERSONAL ACCIDENT
related to the use of gliders for APPI members