Pilots Loss of Licence

If you need help, call 1300 089 847

about loss of licence insurance

Put simply, loss of licence insurance provides financial protection if you suffer an injury or illness that prevents you working as a pilot due to suspension of your Class 1 medical certificate.

We offer two types of benefit; permanent loss of licence pays a lump sum benefit if you are unlikely to return to flying and temporary loss of licence provides a monthly benefit if you lose your licence temporarily or permanently. Most pilots prefer both types of benefit to pay off larger loans and shorter-term monthly expenses

Our policy is available to pilots on an individual basis or you can buy our cover as an additional ‘top up’ to an existing group policy's coverage. Individual cover allows portability of your policy should your employment or membership change, which means no gaps in cover.

Your income is one of your most valuable assets, how would you manage financial commitments if your medical certificate was suspended?

flying activities covered

We can help protect professional fixed and rotary wing pilots from an extensive range of low and high-risk flying activities.


Aerial work

Commercial air transport

Instructional flying 

Special task or mission 

air pilots award insurance

The Air Pilots Award 2020, Part 4-Clause 20.3(c), specifies an annual allowance of $2,364 is payable by employers to their permanent hire employees to assist with the purchase of loss of licence insurance. Our unique approach is the ability to provide benefits to fit within the award amount prescribed.

benefit choices

Permanent loss of licence (capital benefit)
standard cover

Permanent loss of licence cover provides a capital lump sum if your medical certificate is suspended long term and you are unable to fly for a living.

cover up to $600,000 dependant on age

180 days waiting period

35% benefit for alcohol and drug related illness

full mental health conditions cover

bodily injury cover ages 61–64 inclusive

Temporary Loss of Licence (monthly benefit)
optional extra cover

Temporary loss of licence cover provides a regular monthly income while you’re not flying if your medical certificate is suspended permanently or temporarily.

85% of income up to $15,000 per month

waiting periods options 60 / 90 / 120 or 180 days

no requirement to exhaust sick leave

full mental health conditions cover

up to 24 months benefit period

This is a summary only. For full terms, conditions, limits, definitions and exclusions, please refer to the Product Disclosure Statement (available for download when applying for a quote). Any advice on this website is general in nature and does not take into account your personal objectives, financial situation or needs.

why choose us?

mental health cover

Professional pilots face occupational stressors every day such as irregular work schedules, work/life balance, fatigue, disruption of sleep and increased anxiety from having to take regular medical tests. However, many pilots are not properly insured, and you’ll find most plans have a full exclusion, only pay claims resulting from defined conditions or reduce the benefit payable. We know the importance of offering the widest coverage possible.

no membership or joining fee

Access to our loss of licence insurance is available to individuals and groups with no association or union membership required.

older applicants accepted

New applications for loss of licence insurance accepted to age 59 and personal accident insurance to age 64.

tailored benefits and premiums

We recognise one size does not fit all, instead of charging you for benefits you may not want, we give you control to select the level of cover you need. If it’s insurance to fit an Enterprise Agreement or Air Pilot Award that you’re after, we can tailor coverage that works for you.

claims management

Our service providers work with Designated Aviation Medical Examiners (DAME’s) in the claim’s decision process to ensure appropriate, timely and fair handling of claims.

instant cover online

We want to improve your insurance buying experience, customise a quote and apply for instant cover online, even while on the move.

obtain a quote and buy online today

1. Choose the cover option that works for you.

2. Get a quote and complete the online application by answering questions about your health.

3. Choose a payment option, pay by invoice, credit card or monthly if your premium exceeds $1,000.

Option A

Customise your cover

This provides the greatest flexibility, the premium is influenced by the sum insured, benefits and waiting period option you have chosen.

Option B

Air Pilots Award / Enterprise agreement 

We can custom cover to fit an Air Pilot Award  or Enterprise Agreement, the sum insured, benefits and waiting period is tailored to the reimbursement rate provided by your employer.