For insurance underwriters

Risk signals before the claim arrives.

Underwriters assess risk at policy inception and renewal, but aircraft behaviour changes continuously. Conflict-zone exposure, utilisation spikes, operator changes, and unusual routing happen between renewals and are invisible until a claim is filed.

Wingbits.AI sits on our own network of 6,000+ professionally operated ADS-B ground stations across 120+ countries — live and historical flight data, authenticated at the source. You ask in plain English. No integrations to build, no query language, no API docs to read first.

Wingbits.AI — example

Has this tail operated in any sanctioned airspace in the last 90 days?

Tail G-ABCD: 2 airspace intersections flagged in the last 90 days. 14 Apr — transited within range of a sanctioned-region designation en route OMDB→UUEE. 2 May — same corridor. Routes, timestamps, and a per-flight risk classification are attached.

What you can ask

Conflict zone proximity

Identify whether a specific tail or fleet has operated in or near designated conflict zones, sanctioned airspace, or high-risk regions — at any point in the policy period.

Has tail N789XY operated near any active conflict-zone airspace in the last 6 months?

Utilisation anomalies

Detect significant deviations from declared utilisation — a tail flying far more or far fewer hours than the policy basis — which changes the risk profile materially.

Which tails in this fleet are flying more than 20% above their declared annual utilisation rate?

Operator & registration changes

Track changes in operating callsign or registration that may not be reported to the insurer but are visible in live ADS-B data — often the first sign of an undisclosed operator change.

Has the operating callsign for tail G-ABCD changed since policy inception in January?

Customer validation

Validated in the field

Validated against live sanctions-screening workflows run independently by asset-finance and insurance risk teams — compliance and sanctions monitoring as a high-pull use case.

The data behind the answers

Data used

  • Live and historical ADS-B position reports from 6,000+ Wingbits ground stations
  • Observed flight legs and completed-flight history per tail
  • Aircraft identity metadata: registration, type, and current registered operator
  • GPS-interference and ACAS/TCAS signals derived from the network

What Wingbits.AI cannot infer

  • Ownership, lien, or lease records over time — callsign and registration changes are observed signals to verify with the insured
  • Maintenance schedules or records
  • Why an aircraft is not flying — absence of ADS-B signal is not proof it is grounded

Questions

How can underwriters screen an aircraft for sanctioned-airspace exposure?

Ask whether a specific tail has operated in or near sanctioned airspace within a chosen window and get flagged intersections with dates, routes, and a per-flight risk classification pulled from historical ADS-B data.

Can insurers verify declared utilisation against actual flight activity?

Yes. Observed flight hours from ADS-B coverage are compared against a policy's declared utilisation basis, and tails flying materially more or less than declared can be flagged since that changes the underlying risk profile.

How do underwriters detect an undisclosed change in aircraft operator between renewals?

You can monitor a tail for operating-callsign or registration changes since a set date, such as policy inception, and get alerted when they change. That is an observed signal from ADS-B data — confirming the underlying lease or operator arrangement sits with the insured.

Is aircraft risk monitoring possible between renewal periods, not just at inception?

That's possible. Because the flight data is continuously updated, conflict-zone exposure, utilisation spikes, and operator changes can be tracked throughout the policy term rather than reassessed only at renewal.

What counts as sanctioned-airspace exposure for aviation underwriting purposes?

Any flight routed through or near a designated sanctioned region is flagged with the specific corridor, date, and flight involved, so underwriters can assess exposure against their own risk criteria.

Can underwriting teams set up ongoing monitoring instead of running one-off checks?

They can. Recurring checks can be scheduled as agents that deliver reports or alerts to Slack, Microsoft Teams, Telegram, or email when a monitored risk condition is met.

What data source is used for aviation sanctions and utilisation screening?

Wingbits' own network of 6,000+ ADS-B ground stations across 120+ countries, capturing live and historical flight activity at the source rather than relying on self-reported operator data.

Risk signals before the claim arrives.

Talk to our risk data team