Ground Risk Insurance NZ 2026
Protect your aircraft when it's not in the air. Ground risk coverage for parking, storage, taxiing, and maintenance operations throughout New Zealand.
What is Ground Risk Insurance?
Ground risk insurance covers physical damage to your aircraft while it's on the ground - whether parked, stored in a hangar, being towed, or taxiing under its own power. This is a subset of hull coverage that specifically addresses ground-based risks.
Many aircraft spend far more time on the ground than in the air. Ground risk coverage protects against the unique hazards aircraft face during storage, maintenance, and ground operations. It's often available at lower premiums than full flight coverage, making it ideal for aircraft that fly infrequently.
Ground Risk Coverage Categories
Not in Motion
Coverage for aircraft while stationary on the ground
- Parked aircraft
- Tied down coverage
- Hangar storage
- Static display
Taxiing Coverage
Protection during ground movement under own power
- Taxi operations
- Ground maneuvering
- Runway movement
- Apron operations
Ground Operations
Coverage during pre-flight and maintenance activities
- Engine run-ups
- Pre-flight checks
- Fueling operations
- Maintenance testing
Common Ground Risk Scenarios
| Scenario | Description | Frequency |
|---|---|---|
| Hangar Rash | Damage during movement in/out of hangar | Common |
| Tie-Down Failure | Wind damage to inadequately secured aircraft | Seasonal |
| Taxiing Incident | Collision with other aircraft or objects | Moderate |
| Prop Strike | Propeller contact with ground or objects | Common |
| Fuel Spill Damage | Paint or component damage from fuel | Occasional |
| Theft/Vandalism | Criminal damage while parked | Location dependent |
"Not in Motion" vs "Not in Flight"
Not in Motion (NIM)
The most restrictive ground coverage. Aircraft must be completely stationary.
- Parked and secured
- Hangar storage
- No taxiing coverage
- No towing coverage
Not in Flight (NIF)
Broader ground coverage including movement on the surface.
- Parked and secured
- Taxiing operations
- Towing coverage
- Ground run-ups
Ground Risk vs In-Flight Coverage
| Aspect | Ground Risk Only | Full Flight Coverage |
|---|---|---|
| Premium Cost | Lower rates | Higher rates |
| Typical Claims | Minor damage | Major damage |
| Coverage | Ground ops only | All operations |
| Best For | Stored aircraft | Active flying |
Ground risk only coverage ideal for aircraft in long-term storage or seasonal use
Who Needs Ground Risk Only Coverage?
- Aircraft undergoing long-term maintenance
- Restoration projects
- Seasonal flyers during off-season
- Aircraft awaiting sale
- Display/museum aircraft
- Pilots with medical issues
Important Considerations
Location Matters
Covered tie-down vs open storage affects premiums and coverage
Security Requirements
Policies may require specific security measures
Geographic Limits
Coverage may be limited to named locations
Get Your Ground Risk Quote
Protect your aircraft investment while it's on the ground. Whether you need full flight coverage or ground-only protection, we'll find the right solution for your needs.