Ultralight Aircraft Insurance: Fly with Confidence and Safety

What happens if my aircraft is stolen or damaged while stored?

You’re fully protected even when your machine is on the ground. Theft, vandalism, or trailer accidents are covered under our storage and transport clauses, whether your aircraft is parked in a hangar, garage, or open field.

We also offer cover for trailers, tools, spare engines, and navigation equipment, ensuring that all associated items are protected. In case of theft or damage, we manage the entire claims process — from police reports to repair coordination — and provide compensation for lost or damaged property.

Having proper ground protection is essential since many incidents occur outside flight hours. With Assure Ton Sport, your investment remains safe 24/7, both on the ground and in the sky.

How does the claims process work?

Our aviation claims service is designed to be quick, clear, and efficient. If you experience an accident or damage, you can report it through our online platform or 24/7 hotline. Our dedicated team then arranges inspections, coordinates with mechanics and aerodromes, and assists with documentation and cost estimates.

We aim to settle claims as fast as possible, ensuring pilots can return to the skies without delay. You’ll have direct contact with our aviation specialists throughout the process — no generic call centres, no waiting weeks for updates. Transparency and trust are central to how we operate, which is why pilots across Europe rely on Assure Ton Sport for fair, professional handling of every case.

Are passengers insured?

Yes. Many recreational pilots like to share their passion with friends, students, or passengers — which is why our plans include passenger liability and personal accident protection. This cover applies during introductory flights, instructional sessions, and leisure outings, ensuring all occupants receive appropriate medical and financial assistance if an incident occurs.

Passenger insurance also helps satisfy the requirements of many airfields and aviation clubs, which often demand proof of coverage before authorising shared or tandem operations. With Assure Ton Sport, both pilot and passenger can enjoy their experience in complete safety.

What determines the cost of insurance?

Premiums are influenced by a number of variables, including the aircraft type, power output, take-off weight, pilot experience, and storage conditions. For example, a modern composite design with advanced avionics may cost more to insure than an older, lightweight model due to higher repair costs.

We also consider how and where you operate your aircraft — whether for training, leisure, or competition — as well as the country of registration and maintenance schedule. Discounts are available for experienced pilots, aircraft stored in secure hangars, or those who hold safety certifications.

At Assure Ton Sport, we use a personalised approach to balance protection and price, ensuring that every pilot receives fair, competitive terms.

Can a self-assembled or modified aircraft be insured?

Yes. Many enthusiasts construct or modify their own aircraft, and we recognise the craftsmanship involved. As long as the aircraft meets CAA and European airworthiness standards, we can provide full protection for both the pilot and the machine.

We review your technical specifications, build documentation, and maintenance records to ensure compliance and determine appropriate coverage. This process ensures your aircraft is valued correctly and protected against risks like fire, damage, or mechanical fault. With Assure Ton Sport, your passion project receives the same professional care as any factory-assembled model.

Are competitive or demonstration flights included?

Yes. If you take part in air races, displays, or public exhibitions, our competition option adds protection for these higher-risk environments. This includes liability, pilot injury, and equipment damage during take-off, manoeuvres, and crowd-facing displays.

These activities often fall outside standard policies, but Assure Ton Sport’s aviation expertise allows us to offer flexible add-ons for professional and semi-professional pilots. You can safely showcase your skills, confident that both you and your aircraft are insured.

Is microlight insurance required in the UK?

While microlight insurance is not legally mandatory for every pilot, it is a critical safeguard for anyone operating a recreational or private aircraft. The Civil Aviation Authority (CAA) strongly recommends having at least public liability cover, and most airfields, schools, and flying clubs will not allow take-offs without proof of insurance.

Having a solid insurance policy means you’re financially protected if your aircraft damages another plane, hangar, or property, or if an accident causes injury to another person. These costs can quickly reach thousands of pounds, even from minor incidents.

At Assure Ton Sport, our aviation protection plans go beyond basic requirements — offering cover for medical expenses, repatriation, pilot injury, and equipment repair. We also include optional coverage for training flights and passenger liability, giving you complete peace of mind wherever you operate. For any pilot who values security, having insurance is not just an option — it’s an essential part of responsible aviation.

Which types of aircraft can be insured?

We provide protection for a broad range of light aviation models, reflecting the diversity of recreational flight across the UK and Europe. Our policies cover fixed-wing microlights, weight-shift trikes, paramotors, autogyros, powered parachutes, and light helicopters.

Each aircraft type has distinct design features — such as engine size, propeller power, and maximum take-off weight — and we adapt the insurance to match these technical details. For instance, a two-seat trike used for instruction may need liability and passenger coverage, while a single-seat paramotor might focus more on personal injury and equipment damage.

We also cover custom or self-assembled models, provided they meet CAA and European aviation standards. This flexibility allows both hobbyists and certified pilots to protect their equipment, regardless of whether it’s factory-produced or individually constructed. Assure Ton Sport’s expertise ensures that every owner receives a policy suited to their machine and flying style.

Are weather-related or mechanical incidents covered?

Yes — these are among the most common risks in recreational aviation. Sudden weather shifts, turbulence, or strong crosswinds can cause control difficulties, while engine faults, propeller damage, or electrical failures may lead to emergency landings.

Our insurance covers accidents caused by environmental or mechanical factors, including pilot evacuation, aircraft recovery, and repair costs. You’ll also be covered for injuries sustained during take-off or landing, as well as medical treatment following a forced descent or collision.

Many general insurance plans exclude these scenarios, but at Assure Ton Sport, we’ve developed a specialised policy for aviation enthusiasts. We collaborate with experienced technicians and rescue partners to ensure quick response times and minimal disruption. So whether you’re caught in a weather front or dealing with an unexpected technical fault, your safety and financial protection are always our top priorities.

Am I covered during training sessions or instruction flights?

Yes. Whether you’re a student pilot learning to operate a microlight or an instructor guiding others through advanced manoeuvres, our policies offer protection during lessons, practice sessions, and official certification courses.

Training can involve repeated take-offs, landings, and engine adjustments — all of which increase the chance of minor incidents or mechanical stress. Our coverage includes medical assistance, liability protection, and equipment repair for both trainees and instructors.

If you’re teaching professionally, you can also add professional indemnity and loss-of-licence cover to protect against income loss due to unforeseen injury or grounding. This combination of flexibility and precision makes Assure Ton Sport the preferred partner for aviation schools and instructors across the UK and Europe.

Can I operate abroad with my current policy?

Yes, absolutely. Our insurance extends across most European countries and selected international airspaces, allowing you to take part in aeronautical rallies, air festivals, and touring events abroad.

If you’re travelling for leisure or competition, your cover remains valid for pilot injury, damage to your aircraft, third-party liability, and repatriation. Should an incident occur overseas, our international assistance team coordinates with local authorities and hospitals to ensure rapid response and medical care.

We also include logistical support for the transportation of your aircraft back to the UK if repairs are required. For frequent travellers or cross-border pilots, optional extensions can include non-European zones, making it ideal for those exploring new skies.

What safety standards must be met before operating a microlight in the UK?

In the United Kingdom, all light aviation machines must comply with the Civil Aviation Authority’s (CAA) regulations to ensure airworthiness and pilot safety. This includes regular maintenance checks, propeller inspections, control surface assessments, and engine performance tests. Pilots are also required to maintain a valid Permit to Fly and keep a record of every inspection or modification made to their ULM.

We encourage all operators to partner with approved maintenance engineers and follow the manufacturer’s servicing intervals. Proper inspection not only extends the lifespan of your ULM but can also reduce insurance premiums, as well-maintained equipment presents a lower risk of breakdown or malfunction.

We also recommend completing refresher courses in aeronautical safety and weather interpretation, especially for pilots who operate in changing seasonal conditions. A reliable aircraft, combined with an experienced pilot and an effective insurance policy, ensures that every take-off and landing is handled with the highest level of safety.

What optional add-ons are available?

We provide a range of add-ons to help tailor your plan:

• Loss of licence cover for instructors or professionals


• Search and rescue support


• Tool and spare component insurance


• Repatriation and emergency transport


• Personal accident and disability protection

These enhancements can be added at any stage to expand your policy and ensure you’re covered for every aspect of aviation activity.

What distinguishes Assure Ton Sport from other insurers?

Unlike general insurers, we specialise exclusively in recreational and competitive aviation. Our advisors are aviation enthusiasts themselves, meaning they understand the technical side of microlights, paramotors, and gyroplanes.

We provide expert guidance, transparent pricing, and 24/7 support, backed by years of experience protecting pilots across Europe. Our reputation for efficiency and reliability has made us the first choice for private pilots who want complete protection without unnecessary complexity.

How can I obtain a quote quickly?

It’s simple. Visit our website, fill in your pilot information, machine details, and usage type, and you’ll receive a personalised offer instantly. You can compare coverage options, adjust limits, and activate your insurance policy online in minutes.

With us, there’s no paperwork, no waiting — just fast, reliable protection for every pilot who values safety, freedom, and professionalism in aviation

Does the insurance include cover during maintenance, storage, or transportation?

Yes — your protection doesn’t stop when the engine is off. Our insurance includes ground and maintenance cover, ensuring your ULM remains protected while undergoing service, cleaning, or refuelling. This is particularly important during winter storage periods or when transporting your aircraft on a trailer to an airfield or maintenance facility.

We include compensation for damage caused by fire, theft, or handling accidents while your aircraft is being moved or stored. Optional extensions are also available for hangar storage insurance, covering damage to third-party property or other aircraft within the same space.

Can I transfer my insurance if I change aircraft or upgrade to a different model?

Yes. We understand that many pilots choose to upgrade or replace their current aircraft as they gain experience or seek better performance. Our team makes this process simple and efficient. You can transfer your existing policy to your new ULM, adjusting the coverage limits and risk profile accordingly.