Page 18 - Volume 15 Number 9

meticulous maintenance records are imperative. And if you are operating your engines on a MORE program, this coverage may not be applicable at all based on the interpretations of the cycle or time-life wording. The particular endorsement reviewed for this article defines Time-Life Limited as “that component, part or accessory is subject to replacement or overhaul requirements of a manufacturer based on a specified number of hours of operation.”
Underwriters are trying to manage their exposure to the older aircraft and the expense to adjust or deny claims. During this current hard market, underwriters are taking into consideration the age of the airframe and the total flight time on the airframe when determining whether or not they will provide a proposal to insure. Each carrier is different in their underwriting guidelines. One particular leading King Air insurance carrier has implemented a 10,000-hour ceiling. If you are a potential new customer to this underwriting company and your King Air has 10,000 or more hours, they will not offer terms. However, they are still renewing customers who were with them before 10,000 hours. This new guideline is not exclusive to the King Air market, this is for all aircraft, including the business jet.
Aircraft insurance policies can be complicated to follow. The best preflight is a comprehensive review of your policy leading up to your renewal. Your broker should be willing and able to walk you through the policy, clarifying what is covered, not covered, or is a coverage that can be purchased either via endorsement or through a different carrier. KA
Kyle P. White is an aviation insurance specialist for a global insurance brokerage company. He has professionally flown King Air 90s and B200s and holds an ATP and multi-engine instrument instructor license. You can reach Kyle at kpwhite816@gmail.com
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16 • KING AIR MAGAZINE
SEPTEMBER 2021