- How is this coverage different from policies designed specifically for flight schools and FBOs?
- What does it mean when you say my flight instruction is incidental to my aircraft ownership?
- Can I give dual instruction to pilots who wish to increase their proficiency or add a rating?
- Is there coverage while my student is flying solo under my supervision?
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Q: How is this coverage different from policies designed specifically for flight schools and FBOs?
A: Policies designed for FBOs are commercial policies and assume that the aircraft will be rented (and the instruction given) to the many different people who walk in the FBOs door. As a result, the insurer provides a very broad "pilot warranty" and assumes that the aircraft will be flown many hours each month. The premium charged for this coverage must reflect the extensive activity and broad use of the aircraft.
The Avemco CFI coverage, on the other hand, is a more controlled exposure and the aircraft owner's instruction will be to a small number of clearly identifiable individuals. By specifically naming the people eligible to give and receive instruction Avemco has a better understanding of the exposure to loss and the premiums can be considerably less than what is charged to an FBO. The product is not designed for anyone who makes their living from flight instruction but is instead designed for the person for whom flight instruction is an avocation and is an incidental aspect of their aircraft ownership.
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Q: What does it mean when you say my flight instruction is incidental to my aircraft ownership?
A: By "incidental" we mean that you own the aircraft for reasons other than for flight instruction. In other words, you would own the aircraft whether or not you chose to provide instruction in it. In addition, your giving flight instruction is not necessary to justify the cost of aircraft ownership.
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Q: Can I give dual instruction to pilots who wish to increase their proficiency or add a rating?
A: Most definitely. This type of training is particularly suited to the coverage we provide.
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Q: Is there coverage while my student is flying solo under my supervision?
A: Yes, solo operations are permitted under this coverage unless specifically excluded on that student's pilot warranty as shown in item 6 of your Data Page.
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