Loss of Licence

Loss of Licence is the single most important insurance product any pilot or aircrew member can have.

Unlike disability or income protection products built around generic occupational categories, a genuine Loss of Licence policy looks at one thing and one thing only: your CAA Class 1 medical certificate. It doesn't ask whether you could do some other job. It exists purely to protect your ability to hold the medical that lets you fly for a living.

Permanent vs. Temporary — and the Lump Sum

There are two income-based Loss of Licence products:

• Permanent Loss of Licence protects your permanent flying income, triggered by the CAA medical board's decision.
• Temporary Loss of Licence protects your income during a temporary loss of medical fitness, also triggered by the CAA's decision.

Separately, a lump sum product pays out if you permanently lose your Class 1 medical. This isn't an income replacement — it's designed to help you reinvent yourself, pay off debts, and give you a financial foothold if your flying career ends for medical reasons.

Why the Medical Criteria Matters

What makes a genuine Loss of Licence product different from a watered-down imitation is where the decision sits: with the CAA, not with an insurer. No insurer's opinion decides your claim. No broker can influence it. It's not something that can be reinterpreted or disputed by anyone with a financial interest in the outcome — it's insurance for the exact moment you need it, with no middleman standing between you and the decision.

That criteria also isn't static. What counts as a disqualifying condition shifts over time as new medications and treatments become available — the CAA's own standards evolve.

Exclusions — Handled Case-by-Case

We're upfront about exclusions from the outset. Most relate to specific territories you fly in — and if anyone can get a territory exclusion removed, it's us.

A few exclusions are standard across the industry, not specific to us, and haven't changed in decades:

• War and riot are almost always excluded by default. This isn't unique to us — it's how these policies have always worked, unless you specifically request war-risk cover be included at the point of application. If it wasn't specified upfront, it isn't covered.
• Self-inflicted injuries are commonly excluded.
• Injuries sustained while committing a crime are excluded — specifically when you are the perpetrator.

Claims — From A to Z

We handle the entire claims process for our clients, start to finish: hand-holding through the medical requirements, planning what's needed, following up directly with both the insurer and the CAA. Timelines vary — largely dependent on how frequently the CAA medical board sits in a given region.

We have a 100% successful claims history. Every valid Loss of Licence claim we've submitted has paid out. The range of real cases we've handled includes:

• A slip on stairs resulting in concussion and 24 months off work
• A motorbike accident requiring ICU care
• A separate motorbike accident resulting in amputation
• Cases where specialists spent months testing before they could even pinpoint the underlying condition — and the claim still stood, because the product responds to what the CAA and medical panel determine, not to a pre-named diagnosis

Claims skew slightly toward the 45–55 age range, but real client cases span an entire career: a client diagnosed with multiple sclerosis at 27, a motorbike accident in someone's mid-30s, a fall off a ladder at 50. There's no age where this risk doesn't apply.

Premiums

Three factors drive your premium: age, smoker status, and the territories you fly in. Age is the most sensitive — the older you are when you take out cover, the higher the premium, and that premium locks in for the rest of your career. Starting young is the single best way to control lifetime cost.

Clients who switch to us from another insurer typically see a 30–50% saving on premiums. This comes from our unique position to place you with the best aviation-friendly insurers on the market, combined with the fact that we work exclusively with pilots — so we know exactly where you'll fit best. We also receive substantial discounts from insurers, largely based on the quality and volume of pilot business we place with them. That combination means we can consistently offer the best-priced, best-value Loss of Licence cover available to any pilot or aircrew member.

Insurers value working with us too. We know exactly what they need at every stage, which makes onboarding and claims simpler for everyone involved — saving you money as a pilot, and saving insurers time on both onboarding and claims.

Most new clients come to us already holding some form of cover. We love digging into it — finding where the real value is, and showing clients what's genuinely achievable in this market. We want the best deal for you as much as you do. But more than that, we want every single claim to pay.

Why Work With a Specialist

We've worked exclusively with Loss of Licence products for over 15 years, across every major provider globally. We know the policy wording — not the marketing summary, the actual wording — well enough to say with confidence which product is genuinely the best fit, not just an available one. We're aggressive on price because we'd rather see that money invested than spent on overpriced cover, but never at the cost of watering down what the policy actually protects. A cheaper policy that doesn't pay out under real loss-of-licence conditions isn't a saving.