Airside cover – some clarification

Many people are confused by both the need and the definition of airside cover.

It is essential to understand that the definition of airside cover, which will influence whether or not your insurer will pay out in the event of an accident, is set out by your insurer – not the MOD.

As with all insurance you need to decide whether this is a feature you require, based on where you live and work, and whether or not you drive ‘airside'. For some insurers this means not only the obvious - military or government aerodromes or airports provided for take off or landing, maintenance and refuelling areas and aircraft parking aprons – but can also include the associated service roads and ground equipment areas leading to and surrounding the establishments.

Remember an accident does not have to be with an aircraft, it can also be with another private vehicle and if, in such a case, the insurance company deemed your vehicle airside, and there was an airside exclusion on the policy, then the insurer may not be liable to pay the claim.

Check your policy documents to understand the cover your existing insurer provides - the Forces Financial team will be pleased to check over your documentation with you – and then decide if it is right for you bearing in mind your risks of being ‘airside' at any time.

Generally insurers exclude airside cover, however before the introduction of Forces Financial's panel of insurers in the UK , all Forces Financial customers were automatically given airside cover at no extra cost. Now, with additionally competitive premiums available from 23 UK insurance companies on their panel, customers can make the choice for themselves.



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