Aviation

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Risk Issue:
Commercial aviation is not considered hazardous by a few companies so favorable premiums are available. Civilian aviation by non-commercial pilots, however, is considered a hazardous activity by certain companies. These companies add a surcharge (extra charge per thousand , add a cost per thousand such as $1.50 to $3.00), for any non-commercial aviation.

A combination of commercial and civilian aviation presents special risk issues. For example, selected companies would add $300 yearly to a $100,000 policy for non-commercial aviation.

Solutions:
1. Check your pilot's association for special rates.
2. Find the company, if any, that does not surcharge, for your aviation classification.
3. Accept an aviation waiver (no protection from the policy).
4. Pay a flat extra charge for aviation.

Best Class:
Preferred, the second lowest premium classification, with a few companies depending on status.

Action:
Complete the Personalized Quote to find the companies with the most liberal acceptance guidelines and lowest premiums for your status. A special Aviation Questionnaire will appear.

Need Help?:
Make a no-obligation call to our quote desk to clarify you status before proceeding with the Personalized Quote or e-mail your question to us at info@choicequote.com

To speak with a licensed professional,

1-888-SEE-TERM

1-888.733.8376
(Toll Free) 8 a.m. to 6 p.m.
Eastern time, Monday through Friday

Underwriting Considerations

No Surcharge - some companies

• Adequate current & total hours for private flying
• Commercial aviation only
• Instrument rated
• Private aviation with certain requirements
Surcharge Probable

• Accident w/aircraft
• Experimental Aircraft
• Grounded previously
• Hours - Too few yearly, e.g., less than e.g., specific number as 50 yearly, (will vary by company).
• Hours - Too few total, e.g., under 150 hours total (depends on company).
• No Instrument rating
• Not currently flying
• Military Flying
• Reprimanded for violation
• Student pilot