Aviation & Aerospace Risk Advisory

Aviation Insurance for Operators & Owners

Protect your aircraft, operations, and liabilities with expert clarity.

Aviation-related incidents—whether hull damage, third-party liability, passenger injury, or airport operational errors—can lead to severe financial and reputational consequences. A structured aviation insurance plan protects not just physical assets but your contractual obligations, regulatory compliance, and operational continuity.

Advisory Expertise

Transparent, structured assessment of aircraft values, operational profiles, and liability exposures.

Accurate Multi-Insurer Quotes

RBIQ prepares compliant RFQs for faster insurer responses in the specialist aviation market.

Claims Support & Servicing

Dedicated guidance during complex aviation claims with audit-friendly documentation.

Get Aviation Insurance options for your Operation
By clicking Continue, you agree to receive advisory communication from RiskBirbal. This is an educational interaction and does not guarantee policy issuance or claim approval.

Why Aviation Insurance Matters for Your Operation

Aviation incidents—whether hull damage on ground or in flight, third-party injury, passenger claims, or airport operational errors—can escalate rapidly. Even a single event can lead to massive asset loss, regulatory penalties, contractual defaults, and severe reputational damage. Aviation Insurance creates a critical financial and liability safety net that keeps your business viable during such events.

RISK 01
Catastrophic Asset Loss
Aircraft are high-value assets. Physical damage or total loss can result in immediate, severe financial impact.
RISK 02
Third-Party & Passenger Liability
Bodily injury or property damage to third parties or passengers can lead to substantial legal claims and settlements.
RISK 03
Regulatory & Contractual Mandates
DGCA regulations, airport operator agreements, leasing contracts, and lender requirements mandate specific aviation insurance.
RISK 04
Operational & Business Interruption
Grounding of aircraft or suspension of operations due to an incident can halt revenue and disrupt service commitments.

Benefits

Protect High-Value Assets

Safeguards aircraft hull, engines, and components against physical damage or loss.

Manage Liability Exposures

Covers legal liabilities towards third parties, passengers, and airport authorities.

Ensure Regulatory Compliance

Supports DGCA compliance, airport slot agreements, and leasing contract requirements.

Maintain Financial Stability

Prevents severe cash flow disruption from unforeseen aviation incidents and associated costs.

This information is for educational purposes only. Coverage terms vary based on insurer, policy wording, and underwriting assessment.

What is Aviation Insurance?

Aviation Insurance is a specialised insurance policy designed to protect aircraft owners, operators, and service providers against financial losses arising from physical damage to the aircraft (Hull) and legal liabilities to third parties, passengers, and airport authorities. It ensures your aviation business can manage significant financial risks associated with operations.

Hull All Risks

Covers physical loss or damage to the aircraft hull, engines, and onboard equipment.

Third-Party Liability

Protects against legal liability for bodily injury or property damage caused to third parties.

Passenger Liability

Provides coverage for legal liability arising from injury or death of passengers on board.

Customisable Structures

Policies can be structured as combined packages (Hull + Liability) or standalone covers based on operational needs.

What It Does Not Do (Boundary Clarity)

  • Aviation Insurance does not cover every operational risk; it applies to perils specified in the policy.
  • It does not automatically cover war risks, cyber incidents, or certain high-risk territories unless added.
  • It does not replace poor maintenance or regulatory non-compliance unless explicitly permitted under the policy wording.

In One Line

Aviation Insurance protects aircraft and operators against financial losses from physical damage and legal liabilities.

This explanation is for educational purposes only. Actual coverage specifics depend on insurer wording, policy terms, endorsements, and underwriting assessment.

RiskBirbal's Insight: What Usually Goes Wrong in Aviation Insurance

Operators often assume Aviation Insurance is standardised, but in practice, claims become complicated due to gaps in hull valuation, unclear liability limits, or mismatched policy structures. The challenges usually come from incorrect fleet details, misunderstood territorial limits, or maintenance practices not aligned with insurer requirements. RiskBirbal identifies and addresses these blind spots early, so your operation remains protected throughout the policy lifecycle.

1

Incorrect Hull Valuation

Many operators declare values based on book value or outdated market estimates. During a total loss claim, this leads to significant underinsurance and financial shortfall.

2

Territorial Limit Mismatches

Flight operations extending beyond declared geographical limits can void coverage. Unplanned international charters or route changes are common risk points.

3

Incomplete Pilot & Crew Qualifications Documentation

Insurers require current licenses, medical certificates, and training records. Missing documents during a claim can lead to coverage disputes.

4

Non-Compliance with Maintenance Warranties

Policies contain strict conditions related to maintenance schedules, approved MROs, and DGCA compliance. Breaches can weaken claim positions.

How RiskBirbal Prevents These Issues

Structured Hull Valuation

We verify hull values using market benchmarks, valuation reports, and insurer-recognised formats to prevent underinsurance.

Operational Route & Territory Validation

Our team validates flight schedules, charter patterns, and operational territories to ensure underwriting alignment.

Documentation Framework

We provide a pre-loss documentation checklist for hull, liability, crew, and maintenance records for insurer-ready submissions.

Warranty & Compliance Guidance

We identify all policy warranties related to maintenance and operations, advising on steps required for proactive compliance.

RiskBirbal Signature Approach

Our hybrid “Tech + Human” model ensures:

RBIQ Data Consistency

RBIQ checks data consistency for fleet details, values, and operations before sending RFQs.

Underwriting Intelligence

Internal underwriting intelligence flags potential territorial or maintenance compliance issues.

Claims Framework

Claims framework ensures correct technical documentation is captured early for complex aviation losses.

Preventive Advisory

Preventive advisory reduces disputes related to hull valuation and liability limits before they occur.

This section is advisory in nature. Actual coverage and claim outcomes depend on insurer policy wording, operational conditions, and compliance with warranties.

What Does Aviation Insurance Cover?

Aviation Insurance provides financial protection by covering physical damage to the aircraft and legal liabilities arising from its operation. While exact coverage varies by insurer and policy wording, most aviation policies follow a structured framework that protects hull, liabilities, and operational risks.

Diagram showing Aviation Insurance coverage areas: Hull, Third-Party Liability, Passenger Liability, Airport Liability

Coverage Structures

Hull All Risks (Physical Damage)

Protects the aircraft hull, engines, and onboard equipment against physical loss or damage from accidents, fire, theft, or external perils while in flight, taxiing, or parked.

Third-Party Liability

Covers legal liability for bodily injury or death to third parties (non-passengers) and damage to third-party property caused by the aircraft or its operations.

Passenger Liability

Provides coverage for legal liability arising from bodily injury, death, or baggage loss of passengers on board the insured aircraft.

Airport Operators' Liability

Protects airport or aerodrome operators against liability for accidents occurring within the airport premises affecting third parties or their property.

Maintenance & Repair Organisations (MRO) Liability

Covers legal liability of MROs for errors, omissions, or negligence during maintenance, repair, or overhaul work on aircraft.

Combined Single Limit (CSL) Policies

Integrated policies offering a single aggregate limit covering hull, third-party, and passenger liabilities under one structure, often preferred by operators.

Extended Protection (Add-Ons)

  • War & Hijacking Risks
  • Cyber Liability for Aviation Systems
  • Recovery & Salvage Costs
  • Legal Costs & Expenses
  • Loss of Licence (for Pilots)
  • Extended Territorial Limits
  • Hull Deductible Waivers

Boundary Clarity

Coverage applies only to perils and geographical limits listed in the policy.

Business interruption or loss of hire is not automatically included unless added as an extension.

War risks and certain high-risk territories are typically excluded unless specifically added.

Insurer-specific wording and endorsements govern actual claim eligibility.

This coverage summary is for educational purposes only. Actual coverage depends on insurer terms, conditions, and underwriting assessment. Always refer to the specific policy wording for complete details.
Illustration highlighting common Aviation Insurance exclusions like wear and tear, war risks, and pilot error

What Aviation Insurance Does Not Cover (Important Exclusions)

Aviation Insurance provides protection against several operational risks, but like all specialty insurance products, it contains critical exclusions. Understanding these exclusions is essential for accurate risk management and for ensuring your operation aligns with insurer requirements.

War, Invasion, & Nuclear Risks

Damage from war, civil war, rebellion, hijacking, or nuclear contamination is typically excluded unless War Risk cover is purchased.

Gradual Deterioration & Wear-and-Tear

Damage due to ageing, corrosion, gradual deterioration, or normal wear-and-tear of aircraft components is not covered.

Pilot Error (Unless Covered)

Losses arising from pilot error, lack of qualification, or breach of licensing conditions may be excluded unless the policy includes specific cover.

Operations Outside Territorial Limits

Incidents occurring outside the geographical area declared in the policy are not covered unless extended limits are purchased.

Unapproved Modifications or Maintenance

Damage resulting from modifications not approved by aviation authorities or maintenance by unapproved MROs can void coverage.

Cyber Attacks & Data Breaches

Losses from cyber incidents affecting flight systems or operational data are typically excluded unless cyber liability cover is added.

Grey Areas (Common Dispute Zones)

These areas often lead to disagreements during claims due to unclear documentation or operational gaps.

1

Hull Underinsurance

If declared hull values are lower than actual market values, insurers apply proportionate deductions during total loss claims.

2

Non-Compliance with Maintenance Warranties

Failure to adhere to strict maintenance schedules, use of non-approved parts, or lapses in DGCA documentation can impact claim validity.

3

Unreported Pilot/Crew Changes

Using pilots not declared to the insurer or whose qualifications/licenses are not up-to-date can lead to claim denial.

4

Incomplete Incident Documentation

Lack of immediate post-incident reports, ATC communications, maintenance logs, or pilot statements can lead to claim delays.

RiskBirbal Advisory Value

RiskBirbal proactively identifies exclusions and grey areas during the buying stage to protect clients from future disputes. Our ecosystem ensures:

Proper technical documentation is captured early

Maintenance and operational warranties are explained clearly

Data inconsistencies in fleet details are flagged via RBIQ

Territorial and operational assessments reduce underwriting surprises

Boundary Clarity

These exclusions are standard industry practices in aviation underwriting.

Final applicability depends on insurer policy wording and endorsements.

Specialty add-ons may override certain exclusions if purchased.

This exclusion summary is for educational purposes only. Actual exclusions depend on insurer terms, policy wording, and underwriting requirements. Always refer to the insurer-issued document for full exclusions.

Enhance Your Protection With Aviation Add-On Covers

Aviation Insurance can be strengthened using optional add-ons that address specific geopolitical, operational, and liability risks. These add-ons ensure that your coverage aligns with the complex realities of global aviation, not just basic policy requirements.

Visual representation of Aviation Insurance add-ons layering over a base policy

Geopolitical & High-Risk Add-Ons

War & Hijacking Risks

Extends coverage to include loss or damage arising from war, civil war, rebellion, hijacking, or acts of terrorism. Often required for international operations.

Extended Territorial Limits

Expands the geographical area of coverage beyond standard limits, crucial for ad-hoc charters or route expansions into new regions.

Liability & Financial Risk Add-Ons

Cyber Liability for Aviation Systems

Covers financial losses and liability arising from cyber attacks on flight operations, reservation systems, or passenger data.

Legal Costs & Expenses

Provides an additional sub-limit to cover legal defence costs, court fees, and expert witness expenses in liability claims.

Loss of Licence (Pilot Insurance)

Provides financial compensation to pilots who permanently lose their flying licence due to medical or regulatory reasons.

Operational & Hull Risk Add-Ons

Hull Deductible Waiver

Waives or reduces the deductible applicable in a hull loss under specific circumstances, such as a total loss.

Recovery & Salvage Costs

Covers expenses incurred in recovering, salvaging, and transporting a damaged aircraft to a repair facility.

Loss of Hire / Business Interruption

Compensates for loss of revenue when an aircraft is grounded for repairs after an insured incident.

Additional Insureds (Lessors, Financiers)

Formally adds aircraft lessors or financiers as insured parties under the policy to protect their financial interest.

Airport & Ground Risk Add-Ons

Hangarkeepers' Liability

Protects airport operators or FBOs against liability for damage to aircraft in their custody, care, and control.

Ground Handling Equipment Liability

Extends liability coverage to damage caused by ground support equipment like tugs, loaders, and fuel trucks.

Products Liability (For Catering/Fuel)

Covers liability arising from defective products supplied to aircraft, such as contaminated fuel or catering.

When Do These Add-Ons Matter? (Advisory Guidance)

This block should educate businesses using simple, scenario-driven examples:

If you operate international routes → War Risk and Extended Territorial limits are essential.

If your operations rely on digital systems → Cyber Liability becomes critical.

If your aircraft is leased or financed → Additional Insureds cover protects lessor/financier interests.

If you employ pilots → Loss of Licence provides key personnel risk protection.

If you operate an airport or FBO → Hangarkeepers' and Ground Equipment Liability are important.

RiskBirbal Advisory Value

  • Operator Type (Scheduled, NSOP, Charter)
  • Flight Routes & Territories
  • Maintenance & MRO Arrangements
  • Lease & Finance Agreements
  • Past Claims History
  • DGCA & Regulatory Requirements
  • Airport & Client Contractual Obligations

Based on this, RBIQ suggests relevant add-ons automatically during the quotation journey.

This information is for educational purposes only. Add-on availability, definitions, and terms vary by insurer, underwriting guidelines, and policy wording.
Collage of aviation entities: airline, private jet, airport, MRO hangar

Who Should Consider Aviation Insurance?

Aviation Insurance is essential for any entity that owns, operates, maintains, or manages aircraft or aviation infrastructure. Whether you run a scheduled airline, a private charter, an MRO, or an airport, this insurance protects against catastrophic financial losses from physical damage and liability claims.

Aviation Entities That Require Aviation Insurance

01

Scheduled & Non-Scheduled Airlines

Commercial passenger and cargo airlines require comprehensive hull and liability coverage for their fleets.

02

Charter & General Aviation Operators

Private jet, helicopter, and air taxi services need tailored policies for their specific operational risks.

03

Maintenance & Repair Organisations (MROs)

Entities performing maintenance, repair, and overhaul work require liability cover for their professional services.

04

Airport & Aerodrome Operators

Airport authorities need liability coverage for third-party accidents, ground operations, and facility management.

05

Aircraft Owners & Lessors

Individuals or companies owning or leasing aircraft to operators require hull cover and liability protection.

06

Aviation Service Providers (Fuel, Catering, Handling)

Companies supplying fuel, catering, or ground handling services need products and liability insurance.

Operational Triggers Where Aviation Insurance Is Critical

  • If you own, lease, or operate any type of aircraft
  • If your business faces liability exposure from passengers, third parties, or airport operations
  • If you perform maintenance or supply parts/services to aircraft
  • If DGCA regulations, airport agreements, or lease contracts mandate specific insurance
  • If your business cannot afford the grounding of an aircraft or suspension of operations

Special Scenarios Where Aviation Insurance Becomes Mandatory

  • Aircraft financed through loans or leasing agreements
  • DGCA Air Operator Permit (AOP) issuance and renewal
  • Airport slot allocation and ground handling agreements
  • International charters or flights into foreign airspace
  • Government or defence contracts involving civilian aircraft

RiskBirbal Advisory Value

RiskBirbal guides aviation entities in understanding whether Aviation Insurance is essential and structures it correctly by evaluating:

Operator Type & Fleet
Flight Operations Profile
Asset Value & Financing
Regulatory & Compliance Matrix
Contractual & Lease Obligations
Client & Airport Requirements
Revenue continuity dependencies

The RBIQ engine uses these inputs to highlight the criticality of coverage and suggest optimal policy structures.

This information is for educational purposes only. Coverage structures, terms, and regulatory requirements vary by insurer and aviation authority guidelines.

How Your Aviation Insurance Journey Continues

This block summarises the seamless continuation of your buying process:

1
Proceed to the Aviation Product Variant Selection Page
2
Choose your coverage structure (Hull All Risks, Combined, Liability, etc.)
3
Fill in necessary technical and operational details for accurate quotations
4
Receive structured proposals from specialist aviation insurers
5
Compare coverage, exclusions, liability limits, add-ons, and pricing
6
Finalise the best-fit option with expert advisory support

How Aviation Insurance Works With RiskBirbal

Procuring Aviation Insurance becomes structured and expert-led with the RiskBirbal ecosystem. Our process blends specialised aviation underwriting knowledge with intelligent automation, ensuring you receive accurate proposals, clear guidance, and lifecycle assistance.

1

Share Basic Details

Provide essential information—entity type, aircraft details, and contact number—to initiate the journey.

2

Proceed to the Aviation Product Variant Selection Page

You will move to the next page where you can choose the appropriate policy structure (Hull, Liability, Combined, etc.).

3

RBIQ Prepares a Structured Technical RFQ

Our intelligent engine validates your inputs and generates an insurer-ready RFQ that meets aviation underwriting standards.

4

Specialist Insurers Review and Respond

Aviation insurers receive a clean, consistent, and complete RFQ, helping them respond faster with structured proposals.

5

Expert Comparison & Advisory

RiskBirbal evaluates insurer quotations, identifies coverage gaps specific to aviation, and prepares a clear comparison with recommendations.

6

Finalisation & Policy Issuance

Once you choose a proposal, we coordinate issuance, compliance checks, endorsements, and onboarding into Portfolio CRM.

Post-Purchase Support

Complex Claims Support

We help with technical documentation, surveyor coordination, and insurer communication during complex aviation claims.

Renewal Intelligence

Portfolio CRM tracks renewals, claims history, and fleet changes for optimal outcomes each year.

Documentation Management

Policies, endorsements, certificates of insurance, and technical documents are securely maintained.

Types of Aviation Insurance in India

Explore the different aviation insurance policies available in India, designed to protect operators across commercial, general, and service sectors.

Hull All Risks Insurance

Covers physical loss or damage to the aircraft hull and its components from accidents, fire, theft, and other external perils.

Coverage Focus Physical Damage to Aircraft

Liability to Third Parties Insurance

Provides coverage for legal liability arising from bodily injury or property damage caused to third parties by the aircraft.

Coverage Focus Third-Party Legal Liability

Passenger Liability Insurance

Covers legal liability for bodily injury, death, or baggage loss of passengers carried on board the insured aircraft.

Coverage Focus Passenger Legal Liability

Combined Single Limit (CSL) Policy

An integrated policy offering a single aggregate limit covering Hull, Third-Party, and Passenger Liabilities under one structure for operational simplicity.

Coverage Type Integrated Hull & Liability

Our Aviation Insurance Partners

Download Policy Wordings

Download Policy

(Hull All Risks)

ICICI Lombard Logo

Download Policy

Wordings

TATA AIG Logo

Download Policy

Wordings

HDFC ERGO Logo

Download Policy

Wordings

New India Assurance Logo

Claims Support & Claim Readiness With RiskBirbal

An aviation incident impacts assets, liabilities, operations, and regulatory standing. At RiskBirbal, our claims support framework ensures you receive structured assistance, complete technical documentation guidance, and transparent coordination. While the final claim decision always rests with the insurer, our role is to ensure that your case is presented professionally and accurately.

What To Do In The First 24 Hours

1

Ensure Safety & Secure the Scene

Prioritise human safety, notify emergency services, and secure the aircraft/area to prevent further damage or injury.

2

Notify RiskBirbal Aviation Claims Desk

Share basic incident details so our specialist team can assess and initiate the aviation claims protocol.

3

Inform the Insurer & DGCA (if required)

Prompt notification to the insurer and relevant aviation authorities is critical to compliance and coverage.

4

Preserve Evidence & Records

Do not disturb the scene, preserve ATC communications, flight data, maintenance logs, and take photographs/videos.

Documents Typically Required

  • Policy copy & all endorsements
  • Aircraft registration & airworthiness certificates
  • Maintenance logs & recent inspection reports
  • Pilot & crew licenses and medical certificates
  • DGCA/AAIB preliminary incident report
  • Photographs/videos of damage from multiple angles
  • Repair estimates from approved MROs
  • ATC transcripts, flight data recorder (FDR) information

How RiskBirbal Supports You During Aviation Claims

Structured Technical Documentation

Our CRM-backed aviation claims workflow ensures all technical and regulatory documents are organised and complete.

Surveyor & Adjuster Coordination

We assist in coordinating specialist aviation surveyors and help manage the technical assessment process.

Technical & Wording Advisory

Our team interprets complex aviation policy wording, warranties, and conditions to avoid documentation gaps.

Progress Tracking

You receive consistent updates on documentation, insurer/regulator queries, and next steps.

Dispute Avoidance

Through pre-loss guidance and clear documentation, we minimise areas where complex aviation disputes commonly occur.

Common Aviation Claim Challenges & Prevention

Hull Underinsurance Disputes

Early hull valuation guidance using market benchmarks.

Maintenance Warranty Breaches

Advisory on approved MROs, parts, and documentation upkeep.

Missing Pilot/Crew Records

Document checklists + CRM storage for crew qualifications.

Territorial Limit Violations

Clear operational territory assessment during the buying stage.

RiskBirbal Aviation Claims Philosophy

We believe aviation claims are won or lost before a loss occurs—through the accuracy of declared values, the clarity of operational limits, and the consistency of maintenance compliance. That is why our advisory extends into operational practices and technical documentation readiness.

Aviation Insurance – Frequently Asked Questions (FAQs)

These FAQs address the most important questions aviation entities ask when evaluating Aviation Insurance. Each answer is simplified for easy understanding while maintaining technical accuracy and compliance.

All Questions
Coverage
Claims
Pricing
Documents
1

What does Aviation Insurance cover?

Aviation Insurance typically covers physical damage to the aircraft (Hull), legal liability to third parties, passenger liability, and airport operational risks. Final coverage varies by insurer and policy structure.

2

What is a Combined Single Limit (CSL) Policy?

A CSL policy provides a single aggregate limit of liability that covers hull, third-party, and passenger liabilities under one integrated structure, offering simplicity and flexibility for operators.

3

What are the most common exclusions in Aviation Insurance?

Standard exclusions include war risks, nuclear contamination, gradual wear-and-tear, pilot error (unless covered), operations outside territorial limits, and cyber attacks unless added separately. Refer to policy wording for exact exclusions.

4

How do insurers determine the hull claim amount?

For a total loss, the claim is typically the insured value stated in the policy, subject to underinsurance checks. For partial damage, the claim amount is based on repair costs at an approved MRO, minus the deductible.

5

What documents are critical during an aviation claim?

Policy documents, aircraft registration, airworthiness certificates, maintenance logs, pilot licenses, incident reports (DGCA/AAIB), photographs, and repair estimates are typically required. Specifics vary by incident and insurer.

6

Is War Risk coverage included by default?

No. War, hijacking, and related perils are almost always excluded from standard policies. They must be purchased as a separate add-on, especially for international operations.

7

What factors determine Aviation Insurance premium?

Premium depends on aircraft type, value, age, usage (commercial/private), pilot experience, operational territories, claims history, liability limits, and add-ons selected.

8

Is Aviation Insurance mandatory in India?

Yes, for commercial operators. DGCA regulations mandate specific hull and liability insurance for the issuance and renewal of an Air Operator Permit (AOP). It is also required by leasing agreements and airport authorities.

9

How does RiskBirbal help during aviation claims?

RiskBirbal supports technical documentation review, coordinates with specialist surveyors, advises on policy wording, and facilitates communication. We help present the case accurately, but the insurer makes all final decisions.

10

What is 'Hull Underinsurance' and why is it a problem?

Hull underinsurance occurs when the insured value is less than the actual market value of the aircraft. In a total loss, this can lead to a proportionate reduction in the claim payout. Accurate valuation is crucial.

11

Can I cover multiple aircraft under one policy?

Yes, through a fleet policy. Each aircraft is scheduled with its own details and value. This can simplify administration and sometimes offer premium advantages.

12

What is 'Loss of Licence' insurance?

Loss of Licence insurance provides financial compensation to a pilot who permanently loses their flying licence due to medical disqualification or regulatory action. It is an add-on to aviation policies.

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These FAQs are for educational purposes only. Insurance coverage, claims, and terms depend on insurer policy wording, underwriting requirements, and regulatory guidelines.

The RiskBirbal Ecosystem: One Connected Insurance Operating System

Every policy, quotation, claim, and servicing request inside RiskBirbal is powered by a unified ecosystem designed to integrate advisory expertise, underwriting accuracy, digital platforms, automation, lifecycle management, and claims intelligence. This ecosystem ensures that your business experiences insurance as a continuous, structured journey—not fragmented transactions.

Purpose of the RiskBirbal Ecosystem

The RiskBirbal ecosystem acts as the central brain that aligns strategy, technology, underwriting logic, insurer communication, documentation standards, and client workflows. It is built for:

Insurer Partners

Structured communication, complete documentation, standardised processes

Corporate Risk Managers

Integrated advisory, technology platforms, lifecycle management

Internal Teams

Underwriting, operations, CRM, servicing with structured tools

Technology Teams

Product, Policies, Claims, Documentations, Relationships on unified system.

Its purpose is to ensure one unified version of truth across all interactions and all insurance products.

The Seven Governing Principles

Hybrid Tech + Human Excellence

Technology enhances capability; advisory expertise ensures correctness.

Single Customer Identity

All platforms sync into one central client profile.

Unified UI/UX Framework

A consistent design system across all portals ensures user familiarity.

Integrated Advisory + Technology Model

Insurance buying, risk management, and digital platforms operate as a unified suite.

Deep Automation Across the Lifecycle

Automation powers quoting, servicing, follow-ups, and documentation.

Enterprise-Grade Documentation & Compliance

Insured-friendly processes ensure auditability and transparency.

What the Ecosystem Includes (Platform Map)

Quotation & Advisory Layer

  • RBIQ: India’s intelligent RFQ and quotation automation engine
  • Corporate buying journeys
  • Fire, Marine, Liability
  • EB, Engineering products

Servicing & Lifecycle Management

  • Operational CRM
  • Portfolio CRM
  • Surveyor integration
  • Claims workflow

Employee & Retail

  • Wellconnect (HR, employees, claims, endorsements)
  • Corporate VAS benefits
  • Retail Motor, Life, Health
  • Travel platforms

NBFC & Special Programs

  • NBFC platform (CD balance, issuance, finance reconciliation)
  • CFA/Logistics Rapid Marine Booking
  • CAR/EAR Contractor Engineering Program
  • Fleet Insurance Program
  • POSP (RBOne) agent platform

Insights & Intelligence

  • RiskMantra predictive risk analytics
  • Asset Valuation Engine
  • AI-driven follow-up engine
  • WhatsApp/email automation

The Four Ecosystem Layers

1

Customer Layer

Corporates, SMEs, contractors, NBFC branches, employees, and retail customers interact through intuitive journeys.

2

Internal Operations Layer

Underwriters, claims teams, servicing executives, finance, RMs, PMT teams, and CRM workflows operate with structured, standardised tools.

3

Technology Layer

RBIQ, CRM, Wellconnect, NBFC portal, Retail portal, and RiskMantra are interconnected systems powered by uniform design and data logic.

4

Insurer Integration Layer

APIs, structured email RFQs, U/W frameworks, risk input templates, and documentation pipelines ensure insurer-friendly interactions.

RiskBirbal’s ecosystem ensures that every policy issued, every quote prepared, and every claim handled follows a consistent, structured, and data-driven methodology. This creates a long-term, measurable, and reliable insurance experience for your organisation.

Your Complete Aviation Insurance Solution

Backed by Advisory + Technology + Claims Expertise

You now have a complete understanding of how Aviation Insurance protects your operation, what it covers, what it excludes, and how RiskBirbal supports you through quotations, compliance, servicing, and claims. Before you move forward, here is a quick snapshot of why choosing RiskBirbal ensures a structured and confident insurance journey.

What you get with Aviation Insurance

Comprehensive Asset & Liability Protection

Covers physical damage to high-value aircraft and legal liabilities to third parties, passengers, and airports.

Regulatory & Contractual Compliance

Meets mandatory DGCA requirements, leasing agreements, and airport operator contracts.

Operational Risk Management

Manages catastrophic financial risks from incidents, allowing focus on core aviation operations.

Why RiskBirbal Makes it Better

Structured, Specialist RFQs

RBIQ ensures your aviation RFQs are technically accurate, complete, and aligned with specialist underwriting expectations.

End-to-End Complex Claims Support

Our advisory team guides technical documentation, coordinates specialist surveyors, and tracks complex claim progress.

Unified Insurance Ecosystem

All policies, claims, endorsements, and renewals managed via our integrated CRM + RBIQ + Wellconnect + RiskMantra platforms.

Expert, Advisory-Led Guidance

We simplify complex aviation terms, prevent hull underinsurance, ensure maintenance compliance, and highlight operational limits upfront.

Final Confidence Message

When you choose RiskBirbal, you choose clarity, structure, and continuous support—not just at the time of purchase, but across complex claims, renewals, regulatory compliance, and fleet planning. Our goal is to ensure every aviation insurance decision you make is informed, accurate, and aligned with your operational goals.

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RiskBirbal for Business – Aviation Insurance – Customer Reviews

View all 20 reviews
4.1
out of 5
Based on 20 reviews
★★★★★
12
★★★★☆
6
★★★☆☆
2
★★☆☆☆
0
★☆☆☆☆
0
★★★★★ 4.6
Jan 02, 2025

Manoj

Extensive cover with great features.

Bengaluru
★★★★★ 4.6
Jan 02, 2025

Tanay

User friendly website and smooth process.

HP
★★★★★ 4.6
Jan 02, 2025

Rohit

Plans are affordable and reliable.

MH
★★★★★ 4.6
Jan 02, 2025

Sunil

Insurance helped recover losses.

Bihar