Insurance info
How insurance works on Winger, for pilots and aircraft owners.
For pilots
Aircraft owners are required to maintain hull and liability insurance on their aircraft at all times, including self-fly hire cover that extends to renting pilots like you. You're never flying an uninsured aircraft — insurance cover is a condition of every listing.
In the event of damage during your rental, your responsibility is normally limited to the insurance excess — a fixed amount set by the owner and shown on the listing before you book. You'll always see this figure before you commit, so there are no surprises. Your worst-case exposure for a normal incident is a known, capped number, not an open-ended cost.
The excess cap applies when you operate the aircraft properly — within your ratings, within the aircraft's limitations, and within safe weather minimums. As with any aircraft rental, flying without valid ratings, outside operating limits, or against the Flight Manual can make you personally responsible for costs beyond the excess. This is standard across all self-fly hire, and flying by the book keeps you covered.
Owners are required to provide evidence of current insurance on request. If you'd like to confirm cover before your flight, just ask the owner — it's a reasonable and normal thing to do.
Many pilots choose to hold their own renter's or non-owned aircraft insurance for extra peace of mind. A policy like this can cover the excess itself, further limiting what you'd ever pay out of pocket. It's optional, but worth considering if you rent regularly.
For owners
Owners are responsible for making sure their aircraft is properly insured before accepting any Winger rental.
Confirm that your policy covers peer-to-peer rental or hour-building by pilots not named on the policy. Many standard GA policies exclude this, so a self-fly hire extension is typically required.
Winger does not provide or arrange insurance. Owners are solely responsible for ensuring adequate cover before any flight takes place.
If you're unsure whether your current policy covers Winger rentals, contact your aviation insurance broker before listing.
This page is a summary. Full insurance terms are set out in our Terms of Service.