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Ultralight Aircraft Insurance
In partnership with UPAC, we bring you a specialized insurance program designed exclusively for Canadian ultralight pilots and owners. Whether you’re taking to the skies for the first time or are a seasoned flyer, protect your aircraft with coverage that’s simple, affordable, and tailored to the way you fly.
- Compare third-party liability, hull and ground-risk options
- Review eligibility based on your aircraft, pilots, storage and use
- Prepare your details for an advisor-supported custom quote
Required and Recommended Ultralight Coverage
In Canada, registered aircraft generally require liability insurance that meets applicable regulatory minimums. Hull coverage is not generally mandatory, but owners may choose it to protect the aircraft itself. Depending on the policy, hull protection may apply during flight and ground operations or only while the aircraft is on the ground and not in motion. Review current requirements and policy terms with an advisor before you fly.
Liability Coverage
Helps respond to covered claims if your ultralight causes bodily injury or property damage to others. Required limits depend on current Canadian rules, aircraft weight and passenger capacity; aerodromes or landowners may also ask for proof of insurance.
Hull and Ground-Risk Options
Hull coverage helps protect the aircraft against covered physical loss or damage. Options may include ground-and-flight coverage or ground-risk protection while the aircraft is not in motion. Deductibles, agreed value and exclusions vary by policy.
Pilot and Aircraft Eligibility
Insurers review the ultralight category, make and model, value, modifications, pilot training, total hours, time on type and recent experience. Named pilots and any changes to the aircraft or its use must be disclosed.
Clubs, Schools and Other Uses
Flying clubs, co-ownership, instruction, familiarization flights and event use may need specific underwriting or endorsements. Confirm who may fly, whether passengers or students are carried, and which activities the policy permits.
Some homebuilt, amateur-built or experimental aircraft may qualify, depending on the aircraft, documentation, operating status, pilot qualifications, intended use and current insurer appetite. An Air1 advisor can confirm whether placement options are available for the specific risk.
Ultralight Liability Insurance
Liability insurance can help with covered third-party bodily injury, property-damage and legal-defence costs arising from the operation of an insured ultralight. The policy limit, passenger treatment, approved pilots, permitted uses, territory and exclusions determine how coverage responds. Liability does not pay for damage to your own aircraft unless hull coverage applies.
Third-Party Liability
Helps cover eligible bodily injury or property-damage claims involving people or property outside the aircraft, subject to the policy’s terms, limits and deductible, if any.
Passenger Liability (when eligible)
Passenger coverage depends on the ultralight category, seating, approved operation, pilot qualifications and underwriting. Do not assume a two-seat aircraft or familiarization flight is automatically covered.
Legal Defence for Covered Claims
A policy may cover investigation, defence and settlement costs for an insured claim, subject to its wording and limits. Ask how defence costs are treated within the liability limit.
Common Restrictions to Review
Confirm approved pilots, aircraft use, geographic territory, passenger or student operations, modifications, maintenance and airworthiness requirements. Wear and tear, mechanical breakdown and undisclosed or excluded uses are commonly outside physical-damage coverage.
Get a Custom Quote for Your Ultralight
Have your aircraft category, make and model, year, registration, hull value, modifications, storage location and intended use ready. For each pilot, include licence or permit details, training, total hours, time on type, recent experience and claims history. An advisor will review eligibility and available coverage options; pricing and placement remain subject to underwriting.
FAQs
Find answers to your most pressing questions about our aviation insurance services.
It may qualify, depending on the aircraft, build and operating documentation, airworthiness status, pilot experience, intended use and current insurer appetite. Availability is not guaranteed; an advisor must review the individual risk.
Passenger coverage depends on the aircraft category, approved operation, pilot qualifications and underwriting. Confirm that both the aircraft and pilot meet applicable requirements and that passenger liability is shown in the policy before carrying a passenger.
Options may be available for both, but aircraft category, passenger operations, pilot qualifications and intended use affect eligibility. A two-seat aircraft does not automatically mean passenger or instructional use is covered.
They can affect eligibility, insured value, premium, required documentation or policy terms. Disclose every material modification before binding coverage and notify your advisor before making changes during the policy term.
Registered aircraft in Canada generally must carry liability insurance that meets applicable regulatory minimums. The required limit can depend on factors such as maximum takeoff weight and passenger capacity. Confirm the current requirement for your aircraft and carry any required proof of insurance.
Ultralights are lightweight aircraft with distinct operating limits and maintenance standards. Insurers typically recognize both Basic Ultralight and Advanced Ultralight categories and tailor coverage to your aircraft type, equipment, and use.
Prepare the aircraft category, make and model, year, registration, hull value, modifications, storage, operating territory and intended use. For every pilot, provide permit or licence details, training, total hours, time on type, recent experience and claims history.
Liability helps respond to covered injury or property-damage claims involving others. Hull coverage protects the insured aircraft against covered physical loss or damage. Ground-risk coverage is narrower and may apply only while the aircraft is on the ground and not in motion; exact definitions and exclusions vary by policy.
Insurance designed for the unique risks of ultralight flying—covering third-party liability, optional passenger liability (where eligible), and, if selected, hull (physical damage) for your aircraft.
Exclusions vary, but policies may restrict unapproved pilots or uses, passenger or student operations, certain territories, undisclosed modifications, wear and tear, mechanical breakdown, or operations that do not meet airworthiness and policy requirements. Review the wording and endorsements with an advisor.
A single incident can involve injuries or property damage on the ground or in the air. Liability coverage helps protect your personal finances and provides legal defense and claims handling for covered events.