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We understand that the aviation industry is unique. As a pilot you may already have a Loss of Licence insurance but do you know how the different industry or union funds work and how they fit with other types of income protection and life insurances? How much, if any additional insurances do you need and what type?

To answer these questions, you will need expert advice to ensure that you are not left out of pocket should the time come that you may need some help.

Av Insure Pty Ltd can arrange Income Protection for pilots via a major banking and insurance company CommInsure. They are currently the only insurer who still provide Income Protection for Pilots and offer the following:

  • Payment of a monthly benefit of 75% of your gross income
  • Benefit period of up to age 60 based on ‘own occupation’ definition
  • Minimum waiting period of 30 days
  • Maximum waiting period of 2 years
  • Choice of Agreed Value, Extended Indemnity or Indemnity contracts

A good strategy is to view loss of licence insurance as a form of Total and Permanent Disability Cover as this can pay a lump sum if a pilot has a permanent total disablement resulting in loss of licence. This can be used to pay off debts and if necessary make modifications to your lifestyle and home to assist with your injury or illness.

Income protection can then be used as a complementary insurance cover that may replace up to 75% of your salary up to the age of 60 (subject to maximum limits).

There are a number of industry funds and insurers within Australia currently offering a form of Loss of Licence cover. We can help you understand the key features of your cover and what you may need to top this up for the long term.


  • Australian citizen residing permanently in Australia
  • Holds an Australian Airline Transport Licence
  • Employed by a recognised fixed schedule commercial fare paying passenger airline operating within Australia
  • Copy of current Civil Aviation Safety Authority (CASA) medical examination and any additional tests or reports
  • Minimum entry age 20 (next birthday)
  • Maximum entry age 55 (next birthday)
  • Expiry age 60