Question 1

What's the difference between buying, leasing, chartering and a jet card?

Accepted Answer

Each option carries a different balance of cost, control and commitment. Chartering suits occasional flyers, typically under 25 hours a year. Jet cards work well around 25 to 50 hours. Fractional ownership or leasing fits 50 to 300 hours, while full ownership makes sense above 300 hours annually. Your HUB Private Client Risk Advisor can help you weigh the total cost and risk of each option before you commit.

Question 2

Am I covered if I fly an aircraft I don't own?

Accepted Answer

Not automatically. Most personal aircraft policies only extend liability protection to the named owner, not to friends, family or colleagues flying someone else's plane. Non-owned liability coverage closes this gap, protecting you financially if you're at the controls — or a passenger — in an aircraft that isn't yours.

Question 3

How does pilot experience affect my aircraft insurance rates?

Accepted Answer

Pilot experience is the single factor underwriters weigh most heavily. Hours logged in your specific aircraft make and model matter more than total flight time, and recent experience carries more weight than experience from years ago. Hiring based on cost alone, rather than qualifications, is one of the most common ways owners unintentionally raise their own risk and premiums.

Question 4

What does hull insurance cover that liability insurance doesn't?

Accepted Answer

Hull insurance protects the aircraft itself — covering repair or replacement costs after damage from a covered event, typically on an agreed-value basis. Liability insurance protects you financially when someone else is injured or their property is damaged. Owners need both: one protects your asset, the other protects your financial future.

Question 5

What should I know about insuring an aircraft in a management program?

Accepted Answer

Enrolling your aircraft in a management program doesn't eliminate the need for your own coverage review. Confirm who is responsible for damage that occurs in the hangar or on airport grounds, and ensure any crew provided through the program — or hired directly — is covered under appropriate workers' compensation policies.

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