Most U.S. aviation insurance policies for turbine and pressurized aircraft require initial or recurrent training for flight crews. In the case of mid-size and large cabin business jets, these requirements are typically straightforward, especially for the PIC and SIC. And, in almost all cases, insurers require completion of formal initial or recurrent training in a full-motion simulator—most commonly conducted by CAE or FlightSafety International.While some insurers allow workarounds for mid-size and large cabin aircraft, they typically apply to the SIC, not the PIC.
For example, accommodations for the SIC may allow them to meet only FAR Part 61.55 qualifications. However, it’s important to understand that FAA regulations and insurance requirements are entirely separate. What is considered "legal" under the FARs may not necessarily meet an insurer’s training requirements for coverage. Always consult with your insurance broker to confirm your planned training is going to be compliant with your insurance policy requirements.
Pilot Training Requirements for Light Aircraft
On the flip side, pilot training requirements for light jets and turbo-props can be less clear-cut. Insurance policies often state that pilots must complete initial or recurrent training with a provider approved by the insurer.
That said, not all training providers are accepted by every underwriting carrier. Currently, more than 20 insurers issue aviation policies in the U.S., each with its own approval criteria.
If you operate a King Air, Pilatus, or light Citation aircraft, always consult your broker before scheduling an in-aircraft training event. This is especially important if you plan to train outside of a simulator-based program.
Not all insurers allow in-aircraft training, as approval depends on several factors. These include pilot experience, the aircraft’s insured value and the liability limits on the policy.
In many cases, insurers may permit in-aircraft training on an alternating-year basis. Some may allow it every year, but this varies by policy and specific underwriting criteria.
Keep in Mind
Aviation insurance policies are not one-size-fits-all, and no two are exactly alike. Always check with your broker before completing policy-required training to ensure compliance with your coverage and pilot warranties.