Simply said an ‘Airside Risk exclusion’ means that you are not insured if you are in an area designated for the activities involving aircraft. This can mean the airfield and all areas involved in the maintenance and storage of aircraft parts (i.e. airstrips, hangars and workshops).
The exclusion is to protect insurance companies from catastrophic claims expense if your vehicle comes into contact with equipment or was to cause an aircraft related incident.
However, most insurers wording means that all such areas are not covered even if the incident just involves two private cars bumping in to each other!
Also, it doesn’t just affect RAF Stations either. In fact, anywhere helicopters are used would also constitute an ‘Airside’ area.
Furthermore, some insurers have added extra exclusions to their wording and have expanded the area to include Military bases too.
All our policies have been especially worded to ensure that accidents between two vehicles will be fully covered thus providing the peace of mind that you are properly covered whilst on base.