Airbus Insurance Cost Examples
Airbus H125 - Owner Pilot, 2,000 Total Time and 500 in Make and Model
| Coverage | Limits | Premium |
| Airbus H125 Physical Damage | $2,000,000 Agreed Value | $38,500 |
| Aircraft Liability | $1,000,000 Per Occurrence | $3,500 |
| Total Annual Premium | $42,000 |
Airbus H125 - Owner Pilot, 2,000 Total Time and 67 Years Old
| Coverage | Limits | Premium |
| Airbus H125 Physical Damage | $2,000,000 Agreed Value | $31,000 |
| Aircraft Liability | $2,000,000 Per Occurrence | $9,000 |
| Total Annual Premium | $40,000 |
The reason the hull premium could go up here is because it’s probably being quoted by a different insurance company due to the $10,000,000 liability limit
Airbus H125 - Pro Pilot, Commercial Operations
| Coverage | Limits | Premium |
| Airbus H125 Physical Damage | $1,500,000 Agreed Value | $40,000 |
| Aircraft Liability | $1,000,000 Per Occurrence | $9,000 |
| Total Annual Premium | $49,000 |
Aircraft Summary
Airbus helicopters are operated by both professional pilots and owner pilots. Owners typically fly either the H125 or H130. Eurocopter merged Airbus Helicopters in 2014 and now all the models are referred to as Airbus.
Liability premium is based on the number of seats and typically accounts for 15% – 30% of the overall premium. The remaining 70% – 85% is from the hull value premium.
Liability limits on Airbus helicopters can range from $1,000,000 to $50,000,000 per occurrence.
Deductibles can range from $5,000 In Motion to 5% of the Insured Value.
An easy way to estimate or visualize the premium for an Airbus Helicopter is: 2%, 3%, and 4%
- 2% of the hull value for owner or pro pilots with high time (ie 2,000 total time) and $1,000,000 liability limit
- 3% of the hull value for lower time pilots or transitioning pilots. Also for operations requiring higher liability limits like $5,000,000 to $10,000,000
- 4% of the hull value for lower time pilots, high liability limits, and commercial operations for hire
- 5% we do sometimes see rates in the 5% range for older aircraft and riskier operations
Models We Cover
Valuation
Airbus helicopters hold their value relatively well. This depends largely on the supply and demand of the market. The Airbus engine maintenance does require Time Between Overhaul TBO every 3,500 to 5,000 hours, depending on type, so that may affect the valuation.
Risk Areas
The hardest operations to insure for Airbus owners and operators is a new delivery with a high hull value. It’s not uncommon to see Quota Share insurance for helicopters with a hull value over $6,000,000. Quota share means there are two insurance companies taking a 50% share for a total of 100%. It becomes even more difficult if it’s a high hull value owner pilot looking for a new insurance company relationship. You can expect underwriters will be conservative and take a very close look at everything so provide detailed information.
Claim History
Helicopters have a much higher claim’s ratio than airplanes. The reason for this is because even a small impact like a bird strike or tail boom is often reported as a total loss to the helicopter. Airbus Helicopters have some of the best claims history as a helicopter manufacturer.
Because there are so many of them (as far as g, insurance companies have a lot of data on the claims history.
Safety Features
Airbus helicopters are turbine powered Safran engines which are very reliable compared to the reciprocating engine. Also with the majority of Airbus helicopters being newer than the rest of the fleet, there’s upgraded avionics and terrain avoidance systems.
Aircraft Insurance Cost Guide
Learn more about the cost of insurance for private pilots based on your aircraft type and the various factors that affect premium rates. Whether you’re seeking owner aircraft insurance or commercial aircraft insurance, this valuable information will help to make an informed decision about the best coverage for you. If you have any additional questions, please don’t hesitate to reach out!
Flight Training Centers
Airbus Helicopters has training centers throughout the US and throughout the world. CAE and FlightSafety also have approved Airbus training centers which includes use of a full motion simulator. There are also a number of approved in aircraft training centers from schools or instructors with approved training syllabus who the underwriters are familiar with.
See our complete list of approved flight schools for more information.
Parts Service Centers
Airbus Helicopters has Authorized Service Centers throughout the US and throughout the world.