Insurance Documents

Included in your membership is Liability Insurance for the pilot

This Insurance covers Public and Aviation Liability Insurance – in NZ and Overseas**(exclusion apply – read 2025-2026 Aviation Liability Insurance)
This page is a summary ONLY.  For full and complete information – please download and read each document.

Note: Insurance does not cover the pilots personal belongings, gliders/aircraft and associated flying equipment.

Disclaimer: If there is any discrepancy between the summary information provided and the official policy document, the policy document will be considered the source of truth.

Coverage Summary

2025–26 Aviation Liability Insurance NZ and Overseas

Insured: New Zealand Hang Gliding & Paragliding Association (NZHGPA)
Coverage Period: 14 July 2025 – 14 July 2026
Sum Insured: NZD 5,000,000 per occurrence
Geographical Limits:

• Covered: NZ, Australia, and their territories
• Limited Cover Overseas: Members flying overseas (excluding USA & Canada) with a third-party liability limit of NZD 3,000,000
• Exclusions:  Kiln Geographic Areas Exclusion Clause LSW617H,  Click HERE for a list of excluded Countries, which is listed in the policy. However, it also notes that: Any excluded country may be covered by underwriters at terms to be agreed by the Slip Leader only prior to flight.
• Deductible: NZD 1,500 per property damage claim – to be paid by the pilot
• Insurer: Agile Underwriting Services Pty Ltd
• Jurisdiction: Governed by New Zealand law

2025–26 Aviation Liability Policy Wording

This document provides the full terms and conditions of the aviation liability policy. Key highlights include:

• Coverage: Bodily injury and property damage arising from insured flight activities
• Insured Parties: NZHGPA, its members, affiliated clubs, instructors, officials, and volunteers
• Insured Pilots: Any pilot must be in possession of a current licence and have signed annual membership renewal which includes a medical declaration of fitness to fly (NZHGPA form OPMF00 or subsequent versions)
• Exclusions: Includes illegal use, unapproved pilots, professional liability (except for instructors), nuclear risks, war, terrorism, and more
• Claims Process: Detailed steps for reporting and managing claims
• Endorsements: Includes clauses for software use, geographical exclusions, indemnity waivers, and extended coverage for war-related risks (with limitations)
• Jurisdiction: New Zealand law and courts

2025–26 General Liability Policy Wording (AIG)

This is a broader liability policy from AIG Insurance NZ, covering general and product liability. Key features:

• Coverage: Personal injury and property damage within the course of business
• Extensions: Includes cover for care/custody/control, Forest & Rural Fires Act, landlords liability, punitive damages, and vibration/removal of support
• Exclusions: Aircraft, hovercraft, asbestos, pollution, professional liability, terrorism, and more
• Territorial Limits: Worldwide except North America (limited to travelling executives/salespeople)
• Jurisdiction: New Zealand law and courts

2025–26 General Liability Insurance NZ (AIG Certificate)

This is a Certificate of Insurance confirming coverage under a general liability policy issued by AIG Insurance New Zealand Limited.

• Insured: New Zealand Hang Gliding and Paragliding Association Inc, including affiliated clubs, pilot members, instructors, visitors, students, and life members with valid flying licences.
• Policy Number: PEL 001162
• Period of Insurance: 1 July 2025 – 1 July 2026
• Territorial Limit: New Zealand only
• Limits of Indemnity:
  • General Liability: NZD 5,000,000 per occurrence
  • Product Hazard: NZD 5,000,000 per occurrence and in the aggregate per policy period
• Deductible: As per the policy schedule
• Coverage: Subject to full policy wording and endorsements
• Insurer Rating: A (Strong) by Standard & Poor’s

2025–26 Management Liability Policy (AIG AssociationEdge)

Key Sections & Coverage Limits (as per Schedule):

• Management Liability: Includes Occupational Health & Safety (NZD 500,000), Public Relations (NZD 50,000), Extradition (NZD 100,000)
• Association Liability: Includes Accidental Death (NZD 100,000 per executive), Breach of Contract, Identity Fraud, Crisis Event, Internet Liability
• Employment Practices Liability: Includes Third Party Discrimination (NZD 500,000)
• Statutory Liability: Covers fines and penalties under NZ law
• Employers Liability: Covers personal injury to employees not covered by ACC
• Crime Protection: Covers fraud, theft, cybercrime, and related losses (e.g. NZD 150,000 for crime, NZD 100,000 for PR costs)
• General Liability: Includes extensions for Forest & Rural Fires Act, Landlord’s Liability, Product Withdrawal, Vibration & Removal of Support, etc.

General Features:

• Claims-made basis for Sections A1–A6
• Occurrence basis for General Liability (Section A7)
• Legal Advice Access: One hour free legal advice per enquiry via the AssociationEdge Advisory Panel
• Exclusions: Aircraft-related liability, pollution, asbestos, nuclear, sexual misconduct, USA/Canada jurisdiction (with exceptions), and more
• Jurisdiction: Governed by New Zealand law

Content coming soon