Category Archives: aviation insurance

Don’t let your aviation insurance lapse!

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Aviation insurance lapse?

Don’t let your aviation insurance lapse or expire just because you are not flying or the cost of your insurance. With the corona virus issues in the country, many pilots have parked their aircraft.  Which is fine in some cases, but it might not be the best for everyone.

There have been changes happening daily in aviation insurance underwriting for the last year or so.  One of which is the aviation insurance premiums are increasing.  We have see 10% to even 100% premium increases (depending on the plane and pilot).

But it’s not just the premiums increasing, the underwriting requirements are also changing.  Depending on your aircraft and your age, if you let your coverage lapse, you might not get quoted again. Aviation insurance is not an automatic renewal, you need to start over each year.

If you have a unique or low production aircraft you might have difficulty getting a company to quote the aircraft.

This is also especially important if you are close to 65 years old or older!  Make sure you contact us (or your broker) before you let your insurance expire.  There are aviation underwriters that will not quote new business for pilots older than 65.  Once you cancel or let a policy expire, you become “new” business. At that point, the insurance underwriter that you let expire does not have to take you back.

There are options to keep the coverage in place even if you are not flying.  You could keep ground not-in-motion coverage on the hull to protect it from fire theft and storms.  Or you can reduce the coverage to liability only.

The idea is to keep the policy in place and not have the risk of not being able to get coverage in the future.

Questions, contact SkySmith at – ins@skysmith.com or 515-289-1439

insurance lapse

Coronavirus and Flying

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Coronavirus and flying your own aircraft.

Coronavirus and flying.  If you haven’t heard, Coronavirus is causing a few issues with aviation events, like Sun ‘n Fun (go to their website to get the details), which have been postponed or cancelled.

And of course, there are non-aviation events around the world that are being closed, postponed or cancelled.  It appears that traveling on airlines and crowds are two of the big issues.  Most of the “news” right now is about Coronavirus and flying on the airlines. The risks associated with large terminals with hundreds or thousands of people in close proximity.

While that is a problem for the majority of the public, there is more to aviation than just the airlines. Which brings up how important personal aviation is now! General aviation is a great way to fill in the gaps of travel.

Sure, we all need to practice safe behaviors and “social distancing” to protect ourselves and others.  Which is why flying your own aircraft is a way to actually keep you away from the crowds. For example, you only fly with known passengers and crew instead of people you have never met. It really gives a pilot a lot more control in this situation.

Just think, no more long security lines, mingling with hundreds or even thousands of other people, waiting to get on a commercial flight.

Remember, small local airports have fewer people and easier access.  Think about it, you can usually go through the gate to your airplane and fly out without much, if any, personal contact.  Yes, walking through the FBO there may be people, but its a lot fewer than at the commercial terminals.

Even in a time when the rest of the media would have us stay isolated and locked inside our homes, maybe it wouldn’t hurt to sneak out to the airport, stay away from crowds and go fly around the pattern, maybe make a few landings, just to relax and clear your head. Oh and don’t forget to wash your hands.

coronavirus and flying

Airshow season is starting!

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Airshow Season – Sun N Fun and AirVenture

airshow season

Airshow season is my a favorite time of year.  I use Sun N Fun as my kick off show usually. It is like they say, the “Spring break for pilots”.  And i usually write about attending events like Sun N Fun and AirVenture for the Cessna Owners and Piper Owners Magazines.  So if you want more details join those two groups and you can get access to the articles.  I have also put up a short video here about Airshows.

Anyway, I usually see four major issues which I have noted below (which were in the Cessna and Piper article!  These are my opinion only, that I have formed from years of attending airshows and insurance.

Airshow-itus – Getting all excited and making high performance take offs and landing or a fly-by that end up in a mishap. There is something about being at an airshow or a fly-in that gets to a pilot and make them want to impress others. I do believe that being a pilot is a great achievement. Its also a great experience and it is also a huge ego boost. But remember the line from Top Gun, “Your egos writing checks your body can’t cash”, its amazing how many people try to “cash” at an airshow.

Volunteerisms – most events, shows, fly-ins are manned by volunteers.  Volunteers make the shows go around. And they are trying to do their best even if they don’t quite no what they are doing. But watch out when they are directing you to park, you are still the pilot and need to have the final decision. Many a pilot has followed the direction of the vested flag bearing volunteer and needed up with a collapsed nose gear or prop strike.  They directed, you pay.

Weather – is one of those things that change and at a show like Sun N Fun it can be nice this morning and storming this afternoon, just like AirVenture. Be prepared for weather changes. That includes tie downs and control locks. And if you are tenting… well, maybe you can sleep in the plane?

General population – The regulars, the muggles, whatever people call the “non-pilots”.  I know that kind of sounds bad.  But one thing about big airshows, especially if the show has a military team (Blue Angles, Thunderbird’s etc.)  they draw big crowds. And not all those people are pilots or owners. Many are just aviation enthusiast that like watching “Top Gun” movies and dog fighting on their simulators. That’s okay, a show needs to make money and pilots are small numbers compared to the general public.  What that does mean is a lot of the attendees are people that do not know about airplanes and what’s acceptable behavior around aircraft.  So watch out for people walking into props, bumping heads on flaps or putting kids on wings. Be alert to those around you!

I also put together a few Airshow season tips that I have heard from customers, friends and my own experiences.

  1. Check the weather forecast and pack accordingly (but you can always buy stuff if needed)
  2. Look at the events website and see what’s happened in past years and talk to past attendees about what to expect
  3. Make sure you have tie downs appropriate for the event and the size of your aircraft
  4. Check your aviation insurance and make sure it has the appropriate coverage use of your plane at the event. If you need additional insureds and a Certificate of Insurance start early. Don’t wait until the last minute and not get a chance to display your airplane
  5. Know the navigation, TFR’s and of course the arrival and departure procedures
  6. Need a rental car? Reserve ahead.
  7. Make sure you have more than one credit card and extra cash. One thing about airshows, they always cost money. One of the first things in my pre-flight is checking my wallet for credit cards and licenses.
  8. If you plan on shopping for aircraft supplies for the year, make sure your weight and balance will handle the return trip. But, don’t worry, you can always send your passengers home on the airlines if needed.

Don’t forget to look me up at Sun N Fun

sunnfun

And AirVenture