SDR Insurance
Minimum Requirements Calculator
Compute the minimum insurance coverage required under EU Regulation 785/2004 for commercial air transport operations. Passenger, baggage, cargo, and third-party liability calculated in SDR and converted to EUR.
Aircraft Configuration
Select your aircraft or enter MTOW directly
MTOW tier: 50,000–200,000 kg · Typical: A330, B787, B777
250,000 SDR per passenger
17 SDR per kg (≥ 2,000 SDR minimum)
View EU 785/2004 Regulation Reference
| Category | Requirement | Minimum (SDR) |
|---|---|---|
| Passenger liability | Per passenger | 250,000 |
| Baggage | Per passenger | 1,000 |
| Cargo | Per kg | 17 |
| Third-party liability | Per occurrence, by MTOW | 750,000–250,000,000 |
Minimum Coverage
Required under EU 785/2004
This is the minimum insurance coverage required under EU Regulation 785/2004. Actual coverage requirements may vary based on specific operational approvals, ETOPS requirements, and lessor/lessee agreements.
From Calculator to Compliance — In One Platform
The SDR calculator is just the start. AeroVectra automates the entire compliance verification pipeline — upload documents, extract data, and generate reports automatically.
1. Check Your Coverage
Use this calculator to verify your current insurance meets EU 785/2004 minimums. Adjust parameters to see how fleet changes affect requirements.
2. Upload Documents
Drop AOC, ARC, or insurance certificates. Our Gemini AI extracts 28+ fields, validates expiry dates, and checks SDR compliance automatically.
3. Get Verified
Receive compliance reports, expiry alerts, and fleet-wide dashboards. Share verified status with lessors, regulators, and partners.
Get the EU 785/2004 Compliance Playbook
Our complete guide to insurance minimum requirements, MTOW categories, SDR conversion, and EASA compliance best practices. Delivered straight to your inbox.