Ultralight Aircraft Insurance
Estimate your insurance costs and learn everything about liability, hull coverage and premiums for ultralight aircraft.
Proper insurance is essential for every ultralight aircraft — liability insurance is even legally required in Germany. Additionally, hull insurance protects your investment against damage and total loss. Our insurance calculator gives you an initial estimate of annual costs.
ab 120 EUR
Liability from
3–5 %
Hull Premium
bis 30 %
No-Claims Discount up to
Types of Ultralight Aircraft Insurance
There are three main types of insurance for UL aircraft: Liability insurance — legally required, covers damage to third parties (personal injury and property damage). The premium depends on MTOW and starts at approx. €120/year. Hull insurance (comprehensive) — protects your own aircraft from damage, e.g., landing damage, hail, or accidents. The premium is typically 3–5% of the aircraft value. Total loss insurance — a more affordable alternative to comprehensive coverage that only pays in case of total loss or theft.
What Affects Your Insurance Premium?
Several factors determine your insurance premium: MTOW (maximum takeoff weight) affects liability costs — lighter aircraft are cheaper. The aircraft value is the basis for hull premiums. Your chosen deductible can significantly reduce hull premiums — typical range is €1,000 to €5,000. Your claims-free history rewards accident-free flying with discounts of up to 30%.
Tips for Cost Optimization
Ways to save on your UL insurance: Choose a higher deductible — going from €1,000 to €2,500 can reduce hull premiums by up to 15%. Hangar storage instead of outdoor parking reduces risk and may qualify for discounts. Build up claims-free years — each accident-free year brings additional discounts. Compare offers from specialized aviation insurers, as general insurers are often more expensive.