First Flight Insurance Group

AIRCRAFT FAQ's

Q:

What types of aircraft can be insured?

A:

Most single motor aircraft under 1,150 pounds maximum takeoff weight with a stall speed under 45 mph, including experimental, home built, light sport, and Part 103 ultralights, including trikes, powered parachutes, powered paragliders and powered hang gliders. We do not insure rotorcraft or lighter than air vehicles at this time. The aircraft specifications are usually what determine eligibility.

Q:

The FAA does not require my Part 103 to be registered. Why is it required for insurance?

A:

The insurance company requires all insured aircraft to be registered somewhere for insurance identification purposes should there be an incident.

Q:

Where can I register my aircraft?

A:

If your aircraft is over 253 pounds empty weight, then it must be registered with the FAA and have an "N" number. If it is a true Part 103 ultralight, which includes powered paragliders and powered hang gliders, it can be registered with an FAA approved ultralight association such as USUA or ASC. Both organizations have a vehicle registration program.

Q:

Does a powered paraglider (PPG) or powered hang glider (PHG) need to have a registration number?

A:

Both PPG's and PHG's must be registered. Since the motor and sling are considered the "vehicle", the sling should be placard with the registration number.

Q:

I don't have my FAA vehicle registration yet. Can I apply for insurance?

A:

Yes. Just send us a copy of the "N" number application you mailed to the FAA along with your insurance application.

Q:

My aircraft has floats. Can it be insured?

A:

Yes if it qualifies for coverage. Floats are not included in the maximum takeoff weight of the aircraft.

Q:

Can I switch vehicles during the policy period?

A:

Yes, just notify the insurance company in writing with the effective date. If you are adding a new aircraft, it must qualify for coverage. Submit the information about the new plane as required on the application. Advise the insurance company if the existing aircraft is still going to be insured or be deleted from coverage.

Q:

Can I get physical damage (hull) coverage while flying or while being transported? I transport my ultralight to and from the takeoff and landing location. Does this insurance cover liability for the aircraft while being transported?

A:

Unfortunately we do not offer physical damage (hull) insurance at this time. Your standard automobile insurance should extend coverage to your trailer. Check with your automobile insurance carrier to verify your coverage.

Other Questions:

Q:

When does the insurance become effective?

A:

Coverage is bound once all the required documentation has been submitted and approved, and premium payment has been received. This process usually takes less than a week. You will receive a certificate of insurance and ID card showing your coverage.

Q:

Can I have the airport or city added to my coverage as an additional insured?

A:

Yes. You may add them as an additional insured free of charge. Just provide their exact name and mailing address.


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