Professional Indemnity Insurance for
Flying Instructors have asked the BMAA to look for Professional Indemnity
Insurance that would cover them if a student, or indeed a past student, was
injured or suffered a loss and made a claim for compensation against the
instructor. For example a student pilot crashes their aircraft and then claims
that the instructor has somehow failed to give proper instruction which would
have prevented the accident. Although the instructor may have comprehensive
student records showing that he had covered the particular technique or
scenario it can be very expensive to defend a claim even if it is not proved.
This is where a Professional Indemnity Insurance can help.
CSP have been able to develop with underwriters a Professional Indemnity
Insurance policy which addresses the request of the Microlight Instructors. The
details provided by CSP are:
policy would cover any case which may be brought against an instructor being
accused of negligence following an accident which involved a pilot trained by
them. The policy would exclude dual instruction because as you know our
policies already automatically give instructors cover for their dual student
under the passenger section of the liability policy.
we discussed this policy offers protection for the instructor against any legal
costs involved in defending a case of negligence which currently isn’t covered
under their aviation liability policy. We feel this is a very real problem
these days with the culture of ‘no win/no fee’ lawyers looking into all avenues
of claiming compensation. This policy will offer expertise to defend these
potential cases without the instructor having to find thousands of pounds or
potentially losing his livelihood or worse still house etc. defending the case.
policy will be based on the annual turnover of each flying school business and
I think in the microlight community most businesses will fall within the first
inclusive of Insurance Premium Tax
insured limits would include any fees that may apply in the event of a loss and
are not additional to.”
Before CSP launches
this policy they need to know that there will be sufficient take-up to make it
worthwhile. I have agreed to publicise the availability of this insurance to our
instructors and collect names and contact details so that CSP can assess demand
and send out proposal forms. If you are interested in taking out this policy please
send an email to us with the email header “PI
for Instructors”, using Aaron Bliss’ email address email@example.com with just your name and a contact email address that we can pass on.