Insurance

If you are flying with an instructor you do not need insurance and can skip this page (until later).

Yep, that topic. Insurance is one of those necessary evils, made ever more important with today's high-cost insurance and litigious environment. While Lavion Aero carries both liability and hull insurance for all operations, and you enjoy some levels of protection through it, that insurance is geared specifically for protecting Lavion Aero and its interests. Currently Lavion Aero's airplane insurance has a large deductible for physical damage that you could be liable for if any sort of aircraft damage occurs while under your control (depending on the situation), whether hangaring, fueling, taxiing, or flying. Because of this we now require that all students/renters/instructors obtain their own renter's insurance with a minimum of $25,000 of aircraft damage liability (hull) coverage when not flying with an instructor.

What do you benefit by purchasing your own insurance?

No liability for covering the deductible of Lavion's insurance for any damage (subject to the terms/deductible of your rental insurance - see below)
Optional greater personal liability protections
Optional greater personal legal defense protections
Covers any aircraft you fly but don't own - not just at Lavion Aero

While there are a number of places you can purchase this insurance through, we've done some research and found one of the best & least expensive places is BWI.

Here's some places that provide this renter's insurance:

Skywatch - Most preferred for shorter-term insurance, daily, weekly, monthly, and at times very competitive on semi-annual and annual policies.

Avemco- Annual or semi-annual periods, great coverage, great rates

If calling or going direct to Avemco's web site, be sure to use the code LA18, or mention Lavion Aero to ensure you're getting the proper coverage.

BWI - Sometimes lower annual prices

A Word About Deductibles

It's important that you understand your liability of a deductible with whichever insurance company/policy you choose for non-owned aircraft insurance. Some policies have very high deductibles, sometimes in the $5000-$10,000 range, some have no deductible. Although your insurance will cover up to the first $25,000 of damage, YOU will be responsible for the deductible of your policy regardless of the final damage amount for any sort of incident/accident. If there's $4,000 of damage and your policy has a $5,000 deductible then it's all out-of-pocket for you. Sometimes the amount of your deductible is a policy option and you can pay a little more to drop the deductible.