Aviation Insurance Melbourne & Victoria
Tailored Aviation Insurance for Melbourne Pilots, Operators & Businesses
Get aviation cover that works as hard as you do and that’s specifically tailored for aircraft owners, operators, business owners, and instructors across Melbourne and the rest of Victoria state.
Backed by decades of aviation expertise and access to Australia’s top insurers, AGL Aviation Insurance Brokers delivers precise, reliable cover for Melbourne- and Victoria-based aviators, aircraft owners, and businesses.
Protect your aircraft with expert cover designed for Melbourne’s busy skies—trusted by Victoria’s aviation community.
Get Your Free Aviation Insurance Quote Today!
Aviation in Melbourne - Always in Constant Motion
The Melbourne aviation scene is as dynamic as the city itself.
With a mix of general aviation, charter operations, pilot academies, and corporate air travel, the demand for air services continues to rise in the capital city and the rest of Victoria.
Key airports anchoring the region’s aviation activity include:
- Moorabbin Airport: Australia’s busiest general aviation hub and home to numerous flight schools and private operators.
- Essendon Fields Airport: It supports a growing network of charter flights and corporate aviation.
- Avalon Airport: This aviation hub handles freight and regional passengers while also supporting industrial and training operations.
- Smaller Airfields: Hubs like those in Tyabb, Lilydale, Coldstream, Point Cook, and Bendigo are vital to the state’s private, rural, and recreational flying communities.
Operating in and around Melbourne’s and Victoria’s airspace demands aviation insurance that isn’t off-the-shelf.
Aviation here is shaped by high activity, diverse aircraft use, and rapidly changing weather—especially coastal fog and crosswinds that challenge both pilots and insurers alike.
That’s why pilots, schools, and operators across Victoria turn to AGL Aviation Insurance Brokers for policies tailored to the unique conditions of southern skies and the demands of their daily operations.
Who We Help
AGL Aviation Insurance Brokers works with a wide spectrum of aircraft owners and operators across Victoria. We provide policies that reflect our deep understanding of real-world aviation needs and informed by our experience out in the field.
With our comprehensive insurance offerings, we assist:
▶ Private Aircraft Owners
Whether your aircraft is hangared at Coldstream or flown out of Tyabb or Lilydale, you need cover that reflects local risks, such as dense airspace, proximity to training routes, and hangar security. We provide fixed-wing aircraft insurance, as well as coverage for light sport aircraft, and personal helicopters, with options to suit private use, syndicate ownership, or part-time commercial use.
▶ Commercial Operators
Charter providers based at Essendon Fields or Avalon require insurance that accounts for fluctuating schedules, varying passenger loads, and flight paths over dense urban or regional terrain. We provide cover for both single-aircraft charter businesses and multi-fleet operations, including public liability, hull cover, and passenger liability.
▶ Flight Schools & Instructors
With Moorabbin Airport hosting some of Australia’s busiest flight training organisations, aviation education is big business in Melbourne. We support schools and instructors with policies designed for high aircraft utilisation, frequent student turnover, and diverse pilot experience levels. Our policies also consider simulators, ground school infrastructure, and multi-aircraft fleets.
▶ Aerial Survey & Photography
From mapping bushfire risk areas in the Otways to photographing urban developments in outer Melbourne, operators face unique airspace permissions and gear-specific insurance needs. We provide tailored cover for onboard equipment, single-mission activities, and long-term aerial contracts.
▶ Agricultural Aviation Operators
In regions like Ballarat, Wimmera, and Gippsland, ag pilots deal with low-level flying, chemical application, and rugged terrain. Our insurance solutions (including commercial drone insurance) take everything into account—from chemical liability to airframe durability, so you stay operational especially during peak spray seasons.
▶ Rotary Wing Operators
Helicopter use in Victoria ranges from private charter to aerial crane services and emergency medical transport. Whether you’re flying into tight landing zones or conducting flood surveillance for local councils, we provide cover that understands rotary risk profiles and high-value airframes.
Aviation Activities We Cover Across Melbourne & Victoria
Aviation work in Victoria isn’t one-size-fits-all. Whether you’re flying a Cirrus out of Lilydale on weekends or managing a growing charter business at Avalon, AGL Aviation Insurance Brokers provides coverage that fits your flight profile, operational risk, and aircraft type.
We insure:
- Private Flying: Includes cross-country weekend trips, hangar-to-home commutes, and aircraft shared among private syndicates.
- Charter Operators and Tourism Flights: Our cover is suited to helicopter city tours over the CBD, regional winery flights, and on-demand rural charters across Victoria’s outback.
- Cargo and Freight Operations: These activities—like those running through Avalon Airport—require specific liability and hull cover suited to varied cargo types and high utilisation rates.
- Pilot Training and Flight Schools: These benefit from policies tailored to high airframe hours, frequent instructor changes, and flexible pilot experience criteria.
- Agricultural Aviation: This sector, which includes crop dusting, spraying, and field mapping, requires policies that account for payload-specific risks and third-party chemical liability.
- Aerial Survey Work: Companies into this work across diverse landscapes—from inner-city Melbourne to remote parts of the Grampians—so they require specialised coverage.
- Aerial Photography: Aerial photography teams capture everything—from urban developments to coastlines, and they require tailored coverage to protect both gear and staff.
- Emergency Medical Transport: Emergency medical air transport (air ambulance) is expensive due to the specialised equipment, skilled medical personnel, and operational costs involved. These costs are not typically covered by Medicare, but can be addressed with the appropriate insurance we provide.
- Specialised Airwork Operations: This covers powerline inspection, fire spotting, and airborne law enforcement, so our policies are structured around performance, safety compliance, and rapid deployment.
Melbourne Aviation Insurance Costs – What You Can Expect
Aviation aircraft insurance costs depend on the aircraft, how it’s being used, and where it’s based. In Melbourne and across Australia, premiums generally range from AUD 1,500 to 10,000+ per year per aircraft.
Here are estimates of what you can expect to pay for different types of aircraft:
| Aircraft Type | Example Model | Estimated Premium Range Per Annum (AUD) | Remarks |
|---|---|---|---|
| Light piston aircraft | Cessna 172 | 2,500 – 7,000 | Basic hull and liability cover; depends on usage |
| Twin piston aircraft | Piper Seneca | 5,000 – 10,000 | Higher value, more complex; pilot experience matters |
| Turboprop | King Air 200 | 10,000 – 25,000+ | More expensive due to higher value and complexity |
| Helicopter | Bell 206 | 7,000+ | Risk profile and operational use impact helicopter insurance premium |
Key factors that influence the cost of your aviation insurance premium:
- Aircraft Value and Type: Higher-value and turbine-powered aircraft attract higher premiums.
- Pilot Experience: Premiums are typically lower for pilots with a CPL or ATPL and higher total flight hours.
- Storage Conditions: Indoor storage reduces the risk of weather damage and vandalism.
- Flight Hours and Location: Aircraft based in metro Melbourne may face different risks from those flying to regional strips.
- Usage Type: Private use tends to be lower cost than charter or instructional operations.
Why Melbourne Aviators Trust AGL Aviation
The Melbourne aviation scene is fast-paced and varied—from private aircraft on weekend hops to commercial charter and high-volume flight schools. At AGL Aviation Insurance Brokers, we’ve worked with operators across Victoria for decades.
And here’s why our clients stay with us:
- Proven Aviation Insurance Expertise: Aviation is our core focus. We’ve insured everything, from single-seat bush planes to multi-aircraft training fleets, and provide a range of coverages, including air pilot award insurance.
- On-the-Ground Knowledge of Melbourne Aviation Hubs: We understand the difference between operating out of Moorabbin vs Avalon. Our aviation insurance brokers in Melbourne regularly assist clients hangared at Moorabbin’s precincts, charter operators at Essendon’s business parks, and freight handlers at Avalon.
- Access to Australia’s Top Aviation Underwriters: Our relationships allow us to secure competitive terms, especially for hard-to-place risks or specialist operations.
- Fast Turnaround on Quotes and Renewals: We don’t keep you waiting. Most quotes are delivered within 1–2 business days, with priority support for renewals and urgent updates.
- Personal Service From People Who Speak Aviation: No generic call centres. When you call, you get an aircraft insurance broker who understands circuits, airframes, and ops—not just policy numbers.
- Victoria-Wide Coverage: Whether you’re flying out of Bacchus Marsh, Wangaratta, or Tyabb, we provide consistent service across metro, regional, and rural areas.
How to Get Started ?
Get a Quote From AGL
Wherever you’re flying from—Moorabbin, Avalon, Essendon, or a country airstrip in Victoria—AGL Aviation Insurance Brokers can help you secure the right cover.
Our team works directly with pilots, operators, and aviation businesses to provide solutions that fit how and where you fly.
Getting started with AGL is pretty straightforward:
Step 1: Contact us via phone, online form, or email.
Step 2: Provide basic details about your aircraft and how it’s used.
Step 3: Get a tailored quote quickly.
We’re here to make aviation insurance clear, reliable, and responsive.
Whether you fly part-time or run a full-time operation, we’re here to help.
Get Your Free Aviation Insurance Quote Today!
Fill Out Our Form for Your Custom Aviation Insurance Quote Today
Frequently asked questions
Aircraft Insurance Questions
In most cases, we can turn around quotes within 1 to 2 business days. More complex risks or multi-aircraft policies may take slightly longer, but we’ll keep you updated throughout the process.
Yes. We offer dedicated hangar insurance and ground risk cover for private owners, flying schools, and operators with aircraft based at Moorabbin, Essendon, Avalon, and regional strips across Victoria.
We regularly work with aircraft owners and operators in regional centres like Bendigo, Ballarat, Mildura, and Gippsland. Your cover will be made to fit your location and flying activities, regardless of how remote your base is.
Yes. If your operations cross state lines or involve international airspace (e.g., ferry flights or charters into New Zealand or Southeast Asia), we can advise you on the right policy and exclusions, and ensure you’re covered for those operations.
We do. If you’re still in training or have recently gained your licence, we can help you get affordable cover that aligns with your experience level. Training aircraft protection and instructor indemnity cover are also available.
Yes, most policies can be amended to include a temporary additional pilot, subject to underwriter approval. We’ll guide you through what information is needed which typically includes qualifications, hours, and intended use.
Absolutely. We insure operators who run mapping flights, aerial inspections, and low-level photography missions around metro Melbourne and rural zones. We’ll structure your policy around flight height, payload, and airwork scope.
Your cover won’t be voided for flying in fog or weather systems, provided you’re flying legally and within aircraft limitations. If your operations frequently involve IFR or marginal weather, let us know so we can ensure your policy is rated appropriately.
In some cases, yes. Storing your aircraft in a secure hangar (rather than on an open tie-down), maintaining a strong safety record, or completing additional pilot training may reduce your premiums over time. We’ll work with you to identify such opportunities.
Didn’t find the answers to your questions? Don’t hesitate to contact us.
