Insurance FAQs
 

Aviation Insurance Definitions

Q: What is "Physical Damage Coverage"?

A: Physical Damage Coverage covers physical damage to the non-owned aircraft you operate. Typically, you want at least enough Physical Damage Coverage to cover the deductible stipulated in the aircraft owner’s policy. For maximum coverage, you may consider enough Physical Damage Coverage equal to the aircraft owner’s Insured Value on their policy.

Q: What is "Deductible Reimbursement"?

A: Deductible Reimbursement provides a payment equal to the coverage amount you have purchased or the aircraft owner’s deductible, whichever is less, in the event of you are involved in an incident that causes damage to the owner’s aircraft. In contrast to Physical Damage Coverage, Deductible Reimbursement does not assign fault.

Q: What is Non-Owned (Renter's) Insurance?

A: If you fly aircraft you don't own, like a flight school rental, Non-Owned (also called Renter's) insurance is a smart addition to your coverage. It protects your liability for bodily injury, and can also cover physical damage if you elect that option. It can also shield you if the aircraft owner's insurance company tries to come after you to recover their losses.

Q: What does "Liability Coverage" include?

A: Liability coverage protects you if you cause bodily injury or property damage to third parties. Think of it as your financial safety net if something goes wrong and others are affected.

Q: What is a Combined Single Limit (CSL) — also called a "smooth" policy?

A: A CSL policy sets one single dollar limit that applies to the total of all claims from a single accident, whether those claims are for bodily injury, property damage, or a combination of both. It offers a lot of flexibility in how that limit gets used.

Q: What are sub-limits?

A: Sub-limits are caps within your policy that restrict how much can be paid out for a specific category of claim. For example, a policy might have $1,000,000 in total liability coverage but limit payouts to $100,000 per passenger. Even if your total limit is higher, any single passenger's claim would be capped at that sub-limit amount.

Q: Am I covered if I fly outside the United States?

A: Most standard U.S. policies cover the Lower 48 states, Canada, Mexico, and the Bahamas. If you're heading anywhere outside that area, reach out to us so we can arrange a Territorial Extension. One important note about Mexico: even though it may be within your coverage territory, Mexican law requires all aircraft policies to be issued through a Mexican insurer. Without a Mexican policy, your aircraft could be impounded by local authorities. We'll help you get that sorted before you go.

Rate Calculation

Q: Does getting more training help lower my rates?

A: Absolutely! Earning additional certificates, getting an Instrument Rating, and logging more time in your specific make and model are all great ways to reduce your premium and unlock access to higher liability limits. Training is one of the best investments you can make for both safety and your wallet.

Our Quoting Process

Q: In what sense is your Aviation Insurance platform a marketplace?

A: The marketplace will eventually encompass two products: Non-owned aircraft insurance and owned aircraft insurance. We currently sell non-owned insurance on behalf of a single insurer, Old Republic, because we were able to work with Old Republic to create a program that meets renters’ and CFIs’ needs at a competitive price. For our upcoming owned aircraft insurance offerings, our marketplace will offer quotes from multiple insurers that represent the majority of all aircraft insurance policies issued in the U.S.

Q: Is ForeFlight Insurance Agency an insurance broker or an insurer?

A: ForeFlight Insurance Agency, LLC is an insurance broker. We offer policies from insurers and find the best coverage, pricing, and terms for you, the pilot. We leverage our relationships across the market to help you find the coverage that fits your needs.

Q: What is the difference between Jeppesen ForeFlight and ForeFlight Insurance Agency, LLC?

A: Jeppesen ForeFlight and ForeFlight Insurance Agency, LLC are two individual entities under the same parent company. Jeppesen ForeFlight’s historical expertise in the aviation field provides synergies that benefit you as a client of ForeFlight Insurance Agency, LLC.

Q: Where can I find the Privacy Policy for ForeFlight Insurance Agency?

A: Please find our Privacy Policy here.

Q: Is my existing ForeFlight flight data used to evaluate my risk or set my premium?

A: Absolutely not. We do not share your flight data with insurers. Period. We offer the option to import data from your ForeFlight Logbook and Aircraft tab purely to save you time filling out your application. Before purchasing a policy, you'll be able to review everything we provide to insurers when you sign your application.

Q: Do you have maximum coverage amounts?

A: We can attain up to $1m Combined Single Limit (“CSL”, or “smooth”) liability limits on your behalf on non-owned policies.

Q: Are there benefits for AOPA members?

A: Yes! AOPA membership makes you eligible for up to a 5% discount on non-owned insurance. Note: discounts are not stackable. We will apply whichever discount is highest.

Q: Is there a discount if I own a Sentry, Sentry Mini, or Sentry Plus ADS-B receiver?

A: Yes. Sentry device owners are eligible for up to a 10% discount on their policy premium. We do not share any Sentry usage data with insurers. Ownership of the device is sufficient to receive the discount. Note: discounts are not stackable. We will apply whichever discount is highest.

Q: How do I contact someone if I have questions or run into issues?

A: We're here to help! You can reach a live agent via:

• Chat: On any page of the quoting process via the bubble in the lower-right corner.
• Email: insurance@foreflight.com
• Phone: 1-866-344-6359

Q: Will my policy documents be saved to my account? How do I access them later?

A: Yes! Your policy documents are saved and accessible at any time at https://plan.foreflight.com/insurance.