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The Aviation Insurance Landscape

This is a re-post from Assured Partners Aerospace’s 2nd quarter Newsletter. The full newsletter can be found on Assured Partners website.


Until the war in Ukraine, the aviation insurance market could be described as “stabilizing” after a couple years of volatility with higher premiums and tighter underwriting. However, and hopefully perhaps only for the short-term, the Ukrainian war immediately brought uncertainty back into the worldwide aviation insurance market. 

According to Business Insurance, “the impact of Russia’s invasion of Ukraine represents the biggest potential loss to the aviation war market since 9/11.” One leasing firm alone has reportedly already filed a claim of approximately $3.5B for aircraft and engines they say have effectively been seized by Russia. And, because the aviation insurance arena is so small, what happens around the world at this magnitude can have cascading, detrimental effects on the US aviation insurance market.

In addition, the well-publicized spike in fuel prices could have another cooling effect on aviation operations. Generally, less air activity combined with higher operating costs equates to more frequent requests for reduced coverage, taking premium dollars away from an already-small market.

Aviation insurance buyers should therefore remain on the alert throughout 2022 for potentially quick changes to the aviation insurance marketplace that might affect either their current insurance program or their next renewal.


See our recommended insurance agencies on our Aircraft Acquisitions page.

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    I am an iPad user, but I have an Android phone.  I had been using a junky aviation weather app that just gave meters and TAFs, but seemed to have been programmed in a foreign language (un-decoded TAFs notwithstanding).  I wanted something more robust, but didn’t see the need to pay for a Garmin Pilot subscription since Foreflight on my iPad was my main EFB (Electronic Flight Bag) I use in the airplane.

    When I upgraded my phone, I decided I had to find something better.  I have a WIFI only iPad, so I utilize my phone to take quick glances at weather reports or when I want to see the radar without having to tether my iPad to my phone.  The app I had wasn’t cutting it.

    That’s when I found FltPlan Go.  We are all familiar with FltPlan.com.  It’s what a lot of corporate pilots use to file flight plans.  I’ve used it some, but there is a large amount of data it needs to set up an airplane. Since I already have all the airplanes I need in Foreflight, I don’t use it that much since I didn’t want to do the setup.  It is rather handy as it spits out flight logs and has a lot of pre-loaded performance numbers for different makes and models.

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    FltPlan Go is FltPlan.com‘s app.  It is very user friendly, easy to use, and, most importantly, free!  You can get METARs, TAFs, NOTAMs, Airport Diagrams, approach plates, full weather reports for airports including radar, maps, and a whole lot more.  As far as I can tell, it is a full fledged EFB.  I haven’t really scratched the surface on all the features in using mine, but it is quite robust from the little bit of poking around I’ve done.

    I’m still a Foreflight guy, but if you want something else or you have an Android phone and don’t want to pay for Garmin Pilot or WingXPro, check out FltPlan Go.  It’s a winner.

  • Cirrus Alternator Failure

    A Cirrus is an electric airplane.  There are no vacuum pumps and therefore no vacuum driven instruments. The Klapmeier brothers did this on purpose, trying to make it a modern airplane.  No vacuum systems means no vacuum pump failures, hence there is a lower likelihood of instrument failures in IMC.

    What Cirrus did instead was put a lot of electricity producing and storing devices in the airplane.  All SR20 and SR22s are equipped with 2 engine driven alternators and 2 backup batteries.  Alternator 1 is a 28 volt alternator (the amperage varies based on whether or not you have an air conditioner) while Alternator 2 is a 28.5 volt alternator.  There are 2 24 volt backup batteries, as well.  Battery 1 is also used for starting.

    In traditional airplanes that have 1 alternator, an alternator failure can affect a lot of things.  Depending on how many electronics are in the airplane, the battery can get depleted quite quickly.

    The Cirrus electrical system is quite ingenious.  It’s a little bit different based on whether you have an Avidyne Cirrus or a Garmin Perspective Cirrus.  I will discuss that further below.

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    Alternator 1 Failure

    In either avionics configuration, the Cirrus Alternator Failure procedure is the same.

    • Check and reset the circuit breaker for Alternator 1 (Reset only once)
    • Cycle the Alternator 1 master switch
    • If Alternator 1 doesn’t come back online, leave the Alternator 1 master switch off and shed load on the battery

    Avidyne Entegra

    The Avidyne Entegra has 2 busses, the Main Bus and the Essential Bus.  Alternator 2 isn’t set to come on until the engine RPM reaches 1700.  While on the ground, Alternator 1 runs both the Main and Essential Buses.  In the air, Alternator 1 runs the Main Bus and Alternator 2 runs the Essential Bus.  Since Alt 2 is 28.5 volts, the higher voltage won’t allow the power from Alt 1 to cross over and run the Essential Bus.  There are also 2 one-way directional diodes that prevent the voltage from Alt 2 to cross over and run the Main Bus.

    Having said all that, when Alternator 1 fails, Battery 1 is now running the items on the Main Bus.  There are a significant number of items on the Main Bus which causes the 24 volt battery to quickly lose it’s charge. This precipitates the need for shedding load.  Items like GPS 2, the air conditioner and aircraft lights can all be turned off.

    In the above scenario, Alternator 2 is running the Essential Bus still that has all the Essential items on it.  Those include:

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    • Flight Instruments and associated Avidyne computers
    • Engine Instruments and associated Avidyne computers
    • GPS 1
    • Com 1
    • Nav 1
    • Autopilot
    • Stall Warning
    • Charging Battery 2

    Note 2 important items that are not on the Essential Bus:  the flaps and the landing light (which is very handy at night).  Those two are only on the Main Bus, which Battery 1 is now powering.

    Let’s further enhance our scenario.  You are flying over Nevada (quite remote and not a lot of airports) at night, 30 minutes from the nearest airport when your Alt 1 fails.  When you get to the airport you are planning on landing at, you want to have your flaps and your landing light, but we don’t know how long Battery 1 will last.

    The solution (this is where my technique comes in):  Turn off the Battery 1 master switch.  This is an easy solution to ensuring you have battery power to use your flaps and landing light.  Instead of going through and shedding load, simply turn off the source.  You’ll still have all the above items on the Essential Bus, which is all you need to keep safely flying.  Then, when you get to your landing airport, turn Battery 1 back on to utilize your flaps and landing light.

    Garmin Perspective

    Cirrus wired the Garmin Perspective plane a little bit differently.  There are now 2 Main Buses along with the Essential Bus.  Alternator 1 runs Main Bus 1, while Alternator 2 runs Main Bus 2 and the Essential Bus. Both Alternators are running all the time.  The Alternator 1 Failure procedure remains the same.

    The cool thing that comes along with the second Main Bus in the Perspective is the amount of items you still have available to you in the event of an Alternator 1 failure.  The only items you lose will be:

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    • 12 Volt power supply in armrest

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    Follow the Alternator 1 Failure procedure, then do my technique again.  Turn off Battery 1 to save the battery power in order to use the landing light when needed.

    Cirrus did a great job creating an all electric airplane with plenty of backups in case something fails.  I focused mainly on the Alternator 1 failure here.  If Alternator 2 fails, the system is wired for Alternator 1 to run everything while still charging Battery 1 and 2.  No big deal.

    In my experience, turning off Battery 1 to conserve battery power is just a simpler solution when shedding load in the event of a Cirrus Alternator Failure.

  • The PIC Isn’t Always the Pilot Who Took Off

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    This was a scary thought for me until I attended a seminar developed for the non-flyer at a Cirrus Owners Pilot Association (COPA) fly-in. Cirrus is the only small plane with a parachute as standard, so I thought all I had to do in an emergency was pull the chute. It’s a little more complicated than that!
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    I was taught ten basic steps to follow to bring the plane safely to the ground.

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    Knowing what to do in an emergency situation will give you a sense of control over what will happen to you, your pilot, and any passengers on board your plane. If you have never considered taking a lesson or two for the non-pilot, find yourself an instructor, and learn what you need to know for your plane. Hopefully you will never have to use it, but if you do, you will be ready to be the PIC who lands the plane.

    Anne and her husband Stephen are the proud owners of a Cirrus SR20. They plan to put the airplane to better use once Stephen retires. Anne has a background in desktop publishing and writing.

  • Making An Aircraft Purchase

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    You’ve been flying for 3 years, mainly renting the Piper Arrow at the local flight school.  You’ve had some frustrations at times with scheduling, since the Arrow is also used for training at the flight school.  The airplane isn’t very well taken care of, is kind of old, and breaks a lot.

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    Help

    Overwhelmed yet?  Texas Top Aviation is here to help in your Aircraft Purchase.  Visit our Aircraft Purchase Consultation page for more information.  Ready to buy?  Contact Texas Top Aviation today!

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