Standard vs Experimental: The Insurance Facts

August 28th, 2014

Since the dawn of aviation in the early 1900’s, many new and innovative aircraft have taken to the skies. With goals of safety, speed and endurance on the minds of designers and engineers, regulations were soon developed tostandard vs exp control the quality and safety behind each aircraft. Aircraft soon became structured under two categories: standard or special.

A standard certified aircraft and its parts are factory built and go through many procedures to ensure the design adheres to FAA standards. Standard certified aircraft include the following categories:

  • Normal
  • Utility
  • Acrobatic
  • Commuter
  • Transport
  • Manned free balloons
  • Special classes

The popular fixed wing training aircraft fall into the normal and utility standard category such as the Cessna 150, Cessna 182 or the Piper Cherokee get preferred rates from insurance carriers. These are rates that the insurance underwriter will offer at lower premium amounts than other aircraft due to ease of parts availability and a long and stable safety record.

Aircraft can also be certified under a Special Airworthiness certificate. These categories include:

  • Primary
  • Restricted
  • Multiple
  • Limited
  • Light Sport
  • Experimental
  • Special Flight Permit
  • Provisional

Although still regulated by the FAA, experimental (amateur built or kit-built aircraft) are very popular because they offer owners & builders more flexibility in the technology and parts that can be utilized in their airplanes and helicopters. However, since these aircraft are not factory built, many models are more unique and not standardized; therefore the cost of repair for these experimental aircraft can be more expensive than a standard aircraft.

No matter the category your aircraft may be registered in, agents at Aviation Insurance Resources (AIR) are ready to shop all the major insurance markets that are most competitive for your type of aircraft insurance risk.

To find out more about obtaining the best rate for your aircraft insurance, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today to receive your free Aircraft insurance quote!

You can also follow us on Facebook, Twitter, LinkedIn, Pinterest, and Google+.

Aviation Insurance FAQ: Can my friend fly my airplane?

August 20th, 2014

nose-prop shotMany airplane owners are generous enough to want to share their aircraft with their pilot friends. A frequent question received at Aviation Insurance Resources is “can my friend fly my plane?”

There are several ways to answer this question, starting with the Open Pilot Warranty. Many policies have an open pilot warranty or an open pilot clause stating what pilots are automatically approved to fly the aircraft without having to seek approval from the policy underwriter. The warranty will state the minimum rating and hours required for a pilot to fly the aircraft without underwriter approval.

If a pilot does not meet the open pilot warranty or if the policy is written for named pilots only, it is best to prepare your friend’s pilot history to submit for approval to be a named as an approved pilot on the policy.

Aviation Insurance Resources is happy to provide a form for the pilot to complete or take the information over the phone. Sometimes there can be an additional premium for adding another pilot. This can be due to pilot qualifications or an additional pilot surcharge and would be pro-rated if added mid-term.

To find out more about adding a pilot to your policy or to obtain a free aircraft Insurance, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today!nose-prop shot

AIR to Z: Zenith Aircraft Insurance from Aviation Insurance Resources

August 13th, 2014

zenithWith a resume that includes work on the Concorde jetliner and the Dash 7 commuter, aircraft designer Chris Heintz spent his time outside of work developing original kit aircraft of his own in his garage. These designs soon broke through into the aviation world as the Zenith Aircraft Company, offering diverse experimental and light sport (LSA) aircraft. To date, over 2,000 Zenith Aircraft kits have been sold and delivered.

Zenith Aircraft Models

STOL CH750 – Light Sport Utility

A side by side tri-gear aircraft featuring wrap around visibility and bush aircraft capabilities

Zenith CH750 Cruzer

The all metal “on airport” version of the STOL CH750 and an economical choice for cross country flights.

STOL CH701

A light sport short take-off and landing (STOL) machine! Rotating speed can begin and 25mph and depart in only 90 feet.

Zenith 601 and Zenith CH650

A low wing in LSA in the Zodiac line of Zenith Aircraft, the CH601s and CH650s appeals to sport pilots looking for an affordable and sleek aircraft.

Zenith CH801-HD

A four seat “heavy duty” utility model of Zenith Aircraft featuring and 180 horsepower engine. The CH801-HD has been nicknamed the “Sky Jeep”.

The Zenith Aircraft Factory

Zenith kits have been known to be completed within only 400 hours. Builders looking to learn all about constructing their own Zenith can stop by the factory in Mexico, Missouri to learn all about building the STOL CH750, CH750 Cruzer, CH701 and CH650 aircraft. The factory also opens its doors for the annual Open Hangar Day and Zenith/Zodiac fly-in.

For more about the Zenith Aircraft Company visit their website at Zenithair.com.

Zenith Aircraft Insurance

Light sport aircraft are relatively new to the aviation industry. When it came time to insuring these aircraft, Aviation Insurance Resources (AIR) was at the forefront and one of the first in the industry to offer insurance on many LSA makes and models, from Czech Sportcruiser to Cubcrafters Carbon Cub to Flight Design CT, Evektor, Tecnam, Bristell, Cessna Skycatcher 162, BushCat, and of course, Zenith Aircraft. We offer several different insurance policies to help protect you and your aircraft.

Each year, AIR agent and pilot Gregg Ellsworth enjoys talking with sport pilots and Zenith airplane owners at the Midwest LSA expo in Mt. Vernon, IL and the U.S Sport Aviation Expo in Sebring, FL.

“While I insure most aviation risks, I like working with Zenith Aircraft builders and owners as well as other experimental kit aircraft makes and models.   I enjoy working with each builder/owner because every risk is unique and I take the time to ensure I understand their individual coverage needs from the start of construction, to first flight and beyond.  I work hard to provide the best premium and best coverage terms available.   I always l ask what engine they have installed in their bird along with if they have had any major modifications completed, such as the wing mod.”

Builders Risk Insurance

AIR also offers a builders and restorers insurance program, designed to protect the aircraft during the building or restoring stage regardless of pilot experience and qualifications. Customized with your needs in mind, this new insurance plan offers flexible liability and hull coverage options.

“As a friend of many aircraft builders and as a homebuilt owner myself, I cannot imagine the devastation of losing an aircraft mid-build,” said Jon Harden, president and founder of AIR. “Our affordable program is worth it just for the peace of mind.”

To discover more about insuring your Zenith Aircraft, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today to receive an aircraft insurance quote! You can also follow us on Facebook, Twitter, LinkedIn, and Google+

AIR Announces: SFRA Course Update

August 6th, 2014

SFRAAmong the clouds there are many invisible boundaries that pilots must adhere to. Established for security concerns, special events, or even defining the rules of flight for airspace surrounding an airport, these boundaries are important to know about before each flight.  One of the most widely known types of airspace is the Special Flight Rules Area, or SFRA, around the nation’s capital of Washington D.C.

The D.C. Special Flight Rules Area was developed in response to the attacks on September 11th and envelops the area surrounding Washington DC and extends outward and includes major airports such as Baltimore and Washington Dulles. In order to fly within this region, special training of SFRA procedures is required first.

Recently, our friend and customer over at Art’s Aviation Website discovered the FAA made some changes to the SFRA required course and the majority of the pilot population has yet to discover this update.

When arriving at the old FAA Safety course location online the following notice is posted:

NOTICE: Effective June 15, 2014, this course no longer fulfills the regulatory requirement for special awareness training on the Washington DC Special Flight Rules Area (SFRA) for pilots flying under VFR within 60 nm of the DCA VOR/DME. The current on-line course that meets the special awareness training requirements on the Washing DC Special Flight Rules Area (SFRA) is ALC-405: DC Special Flight Rules Area Revised 06-05-2014

There is now a new course published that contains NOTAM’d (notice to airman) changes to include the Leesburg Maneuvering area updates. The updated course can be completed here: http://www.faasafety.gov/gslac/ALC/CourseLanding.aspx?cID=405.

All graphics and a helpful kneeboard checklist included in this updated course can be downloaded on Art’s Aviation Website in his SFRA section.

No worries, if you have completed the FAA Safety SFRA course previously, you do not need to re-take it. However, it is always beneficial to brush up on the regulations of a very stringent area.

As noted on the updated course website:

“Most of what you already know about operating in the DC ADIZ and DC FRZ applies to the DC SFRA.  If you completed an earlier version of this course, you do not need to take it again.  Even so, it is a good idea to review this material periodically to refresh your understanding.  In addition, always check Notices to Airmen (NOTAMs) before every flight for possible changes.”

The agents at Aviation Insurance Resources (AIR) are also pilots that fly often in and in the vicinity of the Washington DC airspace. We believe it is our duty to notify our customers and pilot friends about important changes to the airspace in our area to reduce their chances of an unintentional infraction.

To contact Aviation Insurance Resources to receive an aircraft insurance quote at the best rate and broadest coverage available call 877-247-7767. You can also visit AIR-PROS.com today to fill out an online application. You can also follow us on FacebookTwitterLinkedIn, and Google+.

Aviation Insurance Resources (AIR) Lands at EAA AirVenture

July 30th, 2014

BoothFor 51 weeks a year, EAA is an international community of more than 160,000 aviation enthusiasts that share their passions for flying, building, and restoring of recreational aircraft. But for one week each summer, EAA members and aviation enthusiasts totaling more than 500,000 from more than 60 countries attend EAA AirVenture at Wittman Regional Airport in Oshkosh, Wisconsin.

It’s that time of year again! EAA AirVenture 2014 – The World’s Greatest Aviation Celebration – features more than 10,000 aircraft; daily air shows; nightly entertainers,; forums and hands-on workshops, and so much more.

As usual, Aviation Insurance Resources (AIR) is attending all week at booth #1141 in Building A. AIR offers a wide range of aircraft insurance options for aircraft of all makes and models, from experimental aircraft to standard aircraft such as Cessna Aircraft, Beechcraft, and Cirrus Aircraft to Robinson Helicopters, Piper Cubs, and Corporate Aircraft.

We are always happy to meet our customers and pilot friends. Stop by for a quote; get answers to your insurance questions or just to tell us your favorite flying stories!

We are excited to meet you. Safe flying!

To find out more about EAA AirVenture 2014 in Oshkosh or Aircraft Insurance, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today to receive your free Aircraft insurance quote! You can also follow us on Facebook, Twitter, LinkedIn, and Google+. 

EAA AirVenture is almost here! Are you ready?

July 23rd, 2014

Soon, thousands of pilots and aviation enthusiasts will gather on the grounds of Wittman Regional Airport in Oshkosh, WI for the 2014 EAA AirVenture. Featuring over 10,000 aircraft and a daily airshow, Oshkosh is theOSH place to be in July! Are you ready?

Your Oshkosh 2014 Checklist:

With an event spanning an entire week, weather and plans can be quick to change! Whether staying for one day or the entire week, it’s best to be prepared. Are you ready?

  • NOTAMS for flying in
  • Camping equipment/hotel reservations (make these EARLY!)
  • Airplane tie downs, covers and extra oil
  • Backpack
  • Sunglasses, hat and sunblock
  • Camera with extra batteries
  • Folding chairs
  • Poncho
  • Good walking shoes
  • Cash for food tents
  • Business cards (Oshkosh is great for networking!)

Looking to purchase an aircraft?

Oshkosh is the perfect venue to scope out a new pair of wings. To compile a proper estimate of flight costs, you’ll need an insurance quote. Are you ready?

  • Stop by the Aviation Insurance Resources (AIR) booth in Building A Booth #1141 for an aircraft insurance quote
  • Be sure to have an estimate of your current hours, including those of other pilots who may be flying the aircraft
  • Have a list of any questions you may think of (so you don’t forget in the excitement) to ask our insurance experts
  • Provide us with your cell phone or email so we can get in touch with you as soon as your best quote options come in

The agents at AIR are pilots and aviation enthusiasts who look forward to attending AirVenture each and every year. We hope that with proper preparation, you enjoy it as much as we do! Who knows, maybe you’ll be arriving in 2015 with your new pair of wings! Are you ready? We are!

To get ready ahead of time for an aircraft insurance quote, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today to fill out an online application. You can also follow us on FacebookTwitterLinkedIn, and Google+.

The Facts about Aircraft Insurance Deductibles

July 16th, 2014

When shopping for any medium of insurance, deductibles tend to be a top concern. Most insurance policies, whether for your car or medical insurance, contain some sort of deductible. Aircraft insurance policies can contain deductibles, too, but can be handled in a way that is different than the other policies you may be used to.

Fact 1: There is no such thing as a hidden deductible.

Some aviation insurance companies claim in their advertising that they have no hidden deductibles when the truth is that there is no such thing as a hidden deductible. Each carrier is upfront about these and since AIR believes in service with integrity, these are represented clearly when obtaining a quote.

Fact 2: Most light aircraft policies have a set deductible

Aircraft insurance premiums are based on pilot experience as well as the aircraft type and hull value. Currently, most insurance carriers have set or fixed deductibles, including many that offer $0 deductibles for all the aircraft they insure. In effort to streamline policy processing and market conditions, the majority of aviation insurance companies have eliminated deductible options.

Fact 3: There are two types of deductibles: In Motion and Not in Motion

Aircraft insurance policies contain two types of deductibles: those for claims that happen while the aircraft is in motion and those while it is not in motion. As the definition of “in motion” can vary, it is important to read the wording in the definitions section of your policy. Your deductibles will be clearly stated on the declarations page of your policy as well as on your quotation from Aviation Insurance Resources.

Before purchasing aircraft insurance, whether you’ll be flying a Cessna 150 or a Cessna Citation to a seaplane or a helicopter, it is important to know the facts. Sometimes, the subject of deductibles can be confusing. We hope this blog has provided some insight for your research. As always, our agents and pilots at AIR look forward to sharing those facts with you.

To learn more about your policies deductibles or to receive an aircraft insurance quote, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today! You can also find us on FacebookTwitterLinkedIn, and Google+.

Is Your Insurance Policy Below Industry Standards? –Part 3

July 9th, 2014

We invite you to explore your options in aviation insurance. Direct aircraft insurance writer, AVEMCO, promotes that they are the only insurance carrier to provide coverage in the event of a loss when an individual’s medical, flight review or aircraft annual has lapsed.  In fact, most insurance companies that Aviation Insurance Resources (AIR) represents cover this type of loss.

Most pilots are responsible, detail oriented people who maintain currency on their flight review,  medical certificate (if required) and annual inspection.  However, sometimes in our busy lifestyles time gets away from us and it may be easy for that end of the month responsibility to quickly pass by. It is important to remember that whenever you sign an aircraft insurance application with any company including AVEMCO  you are attesting to the terms and conditions on that application. In most cases, that also includes your currency at that point in time. If you are not current at the time of signing make sure you note that on your application so you are not attesting to something that is not a true statement.

We are pilots and aircraft owners and don’t believe in “gotchyas!” or surprise loopholes in aircraft policies. If you have a concern, we can address this with you upfront before binding coverage. Open your eyes to a better value!

To see if your policy is up to industry standards, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today and receive your aircraft insurance quote! You can also follow us on FacebookTwitterLinkedIn, and Google+.

Is Your Insurance Policy Below Industry Standards? –Part 2

July 2nd, 2014

We invite you to explore your options in aviation insurance.  AVEMCO advertises that they are the only direct writer of aircraft insurance available within the United States which is true. However, calling an aviation specialist like Aviation Insurance Resources (AIR) will  guarantee  your interests will be represented-not the insurance company’s interests.

With one call to AIR, you will gain access to all the insurance markets competitive in your type of aircraft insurance risks. This in turn offers more options in aircraft coverage and pricing to meet your specific needs; not locking you into the guidelines of one carrier.

The decision to purchase an aircraft takes time and research. Save time (and money) with one call to AIR. We will do the aircraft insurance research for you! As fellow aircraft owners, AIR understands your needs and challenges in owning an aircraft. We know that not every situation is the same, so we will not limit you to cookie cutter insurance policies.

To see if your policy is up to industry standards, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today and receive a free Aircraft insurance quote! You can also follow us on FacebookTwitterLinkedIn, and Google+.

Is Your Insurance Policy Below Industry Standards?

June 25th, 2014

We invite you to explore your options in aviation insurance.  You don’t have to limit yourself to one direct writer of insurance such as AVEMCO.  Broader coverage is available to you today!

The fact is, if your policy is written on a “per person” instead of a “per passenger” basis, you have below the industry standard in coverage!  The majority of insurance companies today write their policies on a “per passenger” policy form.  Over recent times, aviation insurance policies have favored more “inclusive” language at affordable premiums thanks to increased competition.  Insurance companies have had to increase policy benefits at competitive prices-Great news for the aircraft owner!

However, as they say, “Buyer Beware!”  There are still some old fashion insurance companies that feel they can get by with a “per person” policy limit banking on the consumer simply looking at the bottom line price.  The truth is, superior coverage is readily available at surprisingly competitive premiums!

Aviation Insurance Resources is an industry leading aviation insurance agency that has access to all the major aviation insurance markets.  All of our agents are pilots so we understand the aviation industry’s needs. We strive to provide the best policy at the best premium in every situation.

To see if your policy is up to industry standards, please contact Aviation Insurance Resources by calling 877-247-7767 or visit AIR-PROS.com today and receive a free Aircraft insurance quote! You can also follow us on FacebookTwitterLinkedIn, and Google+.