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Do I have to be a member of the Canadian Owners and Pilots Association (COPA) to get a quotation and/or obtain insurance coverage under the COPA Program? To get a quotation under the COPA Aviation Insurance Program you do not have to be a member of COPA, but in order to effect a policy, you must either have an regular, family, or corporate membership with COPA. In addition, your membership must be valid during the entire policy term. If your membership is not valid at the time of an occurrence your policy will not pay for any loss, damage, or liability claims as a result of that occurrence. IMPORTANT NOTICE: THIS INSURANCE IS SUBJECT TO THE TERMS, CONDITIONS, AND EXCLUSIONS CONTAINED WITHIN THE POLICY OF INSURANCE AND IS ONLY AVAILABLE TO COPA MEMBERS. THERE IS NO COVERAGE IF, AT THE TIME OF LOSS, YOU ARE NOT A PAID-UP MEMBER OF COPA, OR IF YOU ARE NOT A RESIDENT OF CANADA HAVING A PRINCIPAL PLACE OF RESIDENCE IN CANADA. THE PURCHASING OF THIS POLICY DOES NOT AUTOMATICALLY INCLUDE A COPA MEMBERSHIP. IT IS YOUR RESPONSIBILITY TO ENSURE THAT YOUR COPA MEMBERSHIP IS IN FORCE AND CONTINUES IN FORCE FOR THE DURATION OF THE POLICY TERM.
If you are not a paid-up member of COPA: You may contact COPA at: Telephone: 613 236 4901 E-mail: COPA Membership Website: www.copanational.org - You must apply separately to COPA for either a regular, family, or corporate membership and pay COPA their annual membership fee.
- We can still provide you with a Gold Wings Plan quotation. However, in order to purchase a Gold Wings Plan policy for the insurance quoted, you must first be a paid-up member of COPA.
Back Are there any eligibility requirements to effect insurance coverage?
You must be a Canadian resident with your principal residence in Canada, and you must either have an regular, family, or corporate membership with COPA. In addition, any aircraft that you fly must be registered with Transport Canada as a Canadian registered aircraft in order for coverage to apply. Back
How do I apply for coverage? Apply online at COPA or
Submit a completed and signed paper application to:
Silver Wings: By fax:
1 888 776 1250 or locally at 416 868 8973 By Courier: Marsh Canada Limited
RBC Wholesale Remittance Department
4 Prince Andrew Place, Toronto, ON M3C 2H4, Canada
Attention: Lockbox 8991 By Regular Mail:
Marsh Canada Limited
P.O. Box 8991, Station A,
Toronto, ON M5W 1R6, Canada
Gold Wings: By fax:
1 800 320 8892 or locally at 514 285 8299 By Regular Mail or By Courier:
Marsh Canada Limited
1981 McGill College Avenue, Suite 820
Montreal, QC H3A 3T4, Canada By E-mail: Clara A Ferracane Paper application forms are available by: Faxing us at:
1 800 320 8892 or locally at 514 285 8299 Writing to us at:
Marsh Canada Limited
1981 McGill College Avenue, Suite 820
Montreal, QC H3A 3T4, Canada E-mailing us at: COPA Support
Calling us at 1 800 361 1625 or locally at 514 285 5840. If you are unable to contact a Marsh Client Service Representative, leave us a message as to whether you need a Silver Wings or Gold Wings Application form as well as your name, address, telephone number, facsimile number, and e-mail address. A Marsh Client Service Representative will call you back. Back
How long does it take to get a quotation? A. SILVER WINGS PLAN: The rates of charge and premiums can be found online or in the “Wings Edition” brochure. Therefore, there is no waiting for a quotation. The only instances where there may be a five business day wait for a quotation is if the hull value you wish to insure is between $300,000 to $700,000, which requires a special quotation from the insurer, or if there are special circumstances requiring review by the insurer.
B. GOLD WINGS PLAN: The Gold Wings Plan requires one of our Client Service Representatives to review the application and prepare a quotation. Under normal circumstances a quotation should be provided to you within five business days of receipt of your application. The only instances where there may be a longer delay for a quotation is if the hull value you wish to insure is between $300,000 to $700,000, which requires a special quotation from the insurer, or if there are special circumstances requiring review by the insurer. If you are currently insured with another insurer and require a quotation under the Gold Wings Plan, that quotation can only be provided within 30 days of your renewal date and not before. Back
If I purchase a Silver Wings policy in the current year will the policy be automatically renewed for the following year? No. Silver Wings policies are not automatically renewed. You must re-apply each year.
Back How do the Silver Wings Premium/Rate Tables work? The Silver Wings Plan Premium/Rate Tables are based on a COPA member effecting coverage anytime during the three month periods indicated until January 1 of the following year. The premiums shown below are for illustration purposes only and do not necessarily depict premiums listed in the current Premium/Rate Tables.
A. COVERAGE “A” BODILY INJURY (EXCLUDING PASSENGERS) AND PROPERTY DAMAGE LEGAL LIABILITY: For example, if you decide you want coverage effective March 15 of the current year with only Coverage “A” and a limit of $3,000,000, then select the premium under the “Jan, Feb, or Mar” column of $360. This premium represents the amount payable for the term March 15 of the current year to January 1 of the following year. B. COVERAGE “B” PASSENGER LEGAL LIABILITY: If in addition to Coverage “A”, you wish to purchase Coverage “B” for the same period to cover five passenger seats for $500,000 each; then select the premium under the “Jan, Feb, or Mar” column of $1,050. This premium represents the amount payable for the term March 15 of the current year to January 1 of the following year for this coverage. In this example, the combined total premium for both Coverage “A” and Coverage “B” for the policy period March 15 of the current year to January 1 of the following year is, therefore, $1,410. If on the other hand, you elect to purchase Coverage “A” Bodily Injury (Excluding Passengers) and Property Damage Legal Liability effective March 15 of the current year and decide at a later date, say June 15 of the current year, to then purchase Coverage “B” to cover five passenger seats for $500,000 each; then select the premium for Coverage “B” under the “Apr, May, or Jun” column of $945. This premium represents the amount payable for Coverage “B” for the term June 15 of the current year to January 1 of the following year for this Coverage. In this example, the combined total premium for both Coverage “A” ($360 from March 15 of the current year to January 1 of the following year) and Coverage “B” ($945 for the policy period June 15 of the current year to January 1 of the following year) is, therefore, $1,305. C. COVERAGE “C” COMBINED SINGLE LIMIT BODILY INJURY (INCLUDING PASSENGERS) AND PROPERTY DAMAGE LEGAL LIABILITY: For example, if you decide you want coverage effective March 15 of the current year and you want a limit of $3,000,000 including five passenger seats, then select the premium under the “ Jan, Feb, or Mar” column of $1,345. This premium represents the amount payable for this coverage for the term March 15 of the current year to January 1 of the following year. D. COVERAGE “D” AIRCRAFT HULL “ALL RISKS” GROUND (NOT-IN-MOTION): Indicate, where applicable, the value of your aircraft for each of the configurations (e.g. wheels $50,000, skis $60,000, floats $75,000, or amphibian $75,000). Take the highest configuration value and select the appropriate rate. For example, if you decide you want coverage effective March 15 of the current year and the highest value applicable to your aircraft is $75,000 equipped as a floatplane, then select the rate under the “ Jan, Feb, or Mar” column of 1.80%. Since the rates apply to each $100 of insured value, multiply the insured value (highest value) times 1.80% to obtain the applicable premium i.e. $75,000 X 1.80% = $1,350. This premium represents the amount payable for this coverage for the term March 15 of the current year to January 1 of the following year.
Note: With respect to hull coverage, if your aircraft is equipped with both wheels and floats, you must indicate on the application the value of the aircraft on wheels and on floats. If you fail to include both values, your insurer will deny a claim if a loss arises while the aircraft is on floats. Back
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