aviation insurance
DESCRIPTION
This presentation, will educate you on Aviation risks and exposure as well as what is required for us to provide a proper quotation.TRANSCRIPT
THE GENERAL AVIATION RISK APPLICATION
WEBINAR
Presented by:
BLAIS AVIATION INSURANCE SERVICES
JANUARY 28, 2010
WWW.BLAIS AVIATION.COM1
AVIATION INSURANCEAPPLICATIONS
There are a number of aviation exposures and each has its own application(s). This webinar will focus on the
general aviation exposure application and pilot questionnaire. You can view the various applications by visiting the Blais Aviation Insurance Services website.
www.blaisaviation.com
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INDUSTRIAL AID
PLEASURE & BUSINESS
SINGLE ENGINE
TYPES OF AVIATION EXPOSURES
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PLEASURE & BUSINESSROTORWING
PLEASURE & BUSINESS
MULTI ENGINE
TYPES OF AVIATION EXPOSURES
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STUDENT PILOTS AEROBATIC
TYPES OF AVIATION EXPOSURES
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AIRSHOWS WARBIRDS
TYPES OF AVIATION EXPOSURES
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SMALL AIRPORTS LARGE AIRPORTS
TYPES OF AVIATION EXPOSURES
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FIXED BASED OPERATORS FBO’S
MANUFACTURES PRODUCTS COMPLETED
OPERATIONS
TYPES OF AVIATION EXPOSURES
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AVIATION UNDERWRITING & ANALYSIS
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Every aviation insurance underwriter has slightly different guidelines he/she follows to
arrive at a rate, but virtually without exception they all take the following into consideration
somewhere in their deliberations. Each factor, to the Underwriter, represents a change in the
chance of an accident or affects his/her chances of profit from your policy.
KEY FACTORS AVIATION UNDERWRITERS CONSIDER
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• What kind of aircraft & age• Avionics – Control Panel• Value• Common locations flown to• Who are the pilots – skills!• How is the aircraft used• Where is the aircraft kept• Claim data
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AIRCRAFT
Pleasure & BusinessIndustrial Aid
Instructional – RentalCharter
Pipeline PatrolPower Line Patrol
Crop DustingBanner Towing
StudentPrivate
CommercialATP
InstrumentInstructor
Type RatingTotal Hours
Make & Model HoursSingle Engine Land Multi Engine LandSingle Engine Sea Multi Engine SeaTurbo Prop Turbo Jet
Complex Avionics Unusual Characistics
THE COMPONENTS OF AVIATION UNDERWRITING
FOR GENERAL AVIATION RISKSUNDERWRITERS WILL REQUIRE THE FOLLOWING APPLICATIONS
PILOT QUESTIONNAIRE&
AIRCRAFT APPLICATION
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Name of Aircraft Owner:
Name of Pilot: Date of Birth:
Address:
Pilot’s Occupation:
Employer: Date Employed:
PILOT QUESTIONNAIRE
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PILOT QUESTIONNAIRECheck All Certificates and Ratings Currently Held
( ) Student
( ) Private
( ) Instrument
( ) Commercial
( ) Instructor
( ) Airline Transport
( ) Single Engine Land
( ) Single Engine Sea
( ) Multi Engine Land
( ) Multi Engine Sea
( ) Rotorwing
( ) Centerline Thrust
( ) Mechanic Airframe
( ) Mechanic Powerplant
( ) Other (Specify)
( ) Type Rating (Specify Aircraft)
15PILOT QUESTIONNAIRE
Airman’s Certificate No: Date Certified:
If Student: (Name of instructor or FBO) - (Instruction airport location)
Date of Last Medical: Class of Medical:
Medical Waivers ( ) Yes ( ) No If Yes please explain:
Date of Last Biennial Review :
Type of Aircraft Used:
Date of Last Simulator Instruction:
Manufacturers Ground and Attended and Dates:
AOPA Membership #: EAA Membership #:
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PILOT QUESTIONNAIRE
High School: 1. ( ) 2. ( ) 3. ( ) 4. ( )
College: 1. ( ) 2. ( ) 3 ( ) 4.( )
Graduate School1. ( ) 2. ( ) 3 ( ) 4.( )
Name Of School Years Attended Did You Graduate?
EDUCATION
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PILOT QUESTIONNAIRE
FLYING EXPERIENCEPlease show flying experience in logged hours. Do not group different aircraft of the same type in the category for the make and model on which approval is being sought. If hours can not be substantiated by log books, please explain how hours have been verified/reconstructed.
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PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Single Engine Aircraft
Make and Model of Aircraft Pilot in Command
Co-Pilot Total Time Total Last 12 Months
Total Last 90 Days
Total Single Engine:
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PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Multi Engine Aircraft & Jet AircraftMake and Model of Aircraft
Pilot in Command
Co-Pilot
Total Time
Total Last 12 Months
Total Last 90 Days
Total Multi-Engine:
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PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Seaplanes and Helicopters
Make and Model of Aircraft
Pilot in Command
Co-Pilot Total Time
Total Last 12 Months
Total Last 90 Days
Total Sea/Helo. :
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PILOT QUESTIONNAIRE – FLYING EXPERIENCE
Single Engine AircraftMake and Model of Aircraft Pilot in
CommandCo-Pilot Total Time Total Last 12
MonthsTotal Last 90 Days
Total Single Engine: Multi Engine Aircraft & Jet Aircraft
Make and Model of Aircraft Pilot in Command
Co-Pilot Total Time Total Last 12 Months
Total Last 90 Days
Total Multi-Engine: Seaplanes and Helicopters
Make and Model of Aircraft Pilot in Command
Co-Pilot Total Time Total Last 12 Months
Total Last 90 Days
Total Sea/Helo.:
Grand Total
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PILOT QUESTIONNAIRE
Have you ever been involved in an aircraft accident?( ) Yes ( ) NoIf Yes please explain:
Location Date Make and Model Remarks
AIRCRAFT ACCIDENTS
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PILOT QUESTIONNAIRE
Please Explain Circumstances:
1.If you have a physical impairment, waiver, limitation, or conditions on your Medical or Pilot Certificate.
2.If an FAA, Transport Canada, Military Pilot or other similar Certificate held by you has been suspended or revoked.
3.If you have ever been cited for a violation of any aviation regulation in any country.
4.If you have ever been convicted of or pleaded guilty to a felony or driving while intoxicated.
Explanations:
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PILOT QUESTIONNAIRE
Name of Agent or Broker:
Address:
All particulars herein are declared to be true and complete to the best of my/our knowledge and no information has been withheld or omitted. I/We agree that this application and the terms and conditions of the policy in use by the insurer shall be the basis of any contract between Me/Us and the Insurer. I herby authorize the insurer to investigate all or any qualifications and/or statements contained herein.
Date: Applicant’s Signature (s):
THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE THE APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE
COMPANY AGREES TO EFFECT THE INSURANCE.
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BLAIS AVIATION INSURANCE SERVICES
Phone: 972-818-4090Fax 972-818-4088www.blaisaviation.com
Agent or Broker Address
Phone Fax E-Mail
Named Insured & Address:E-Mail Address:
Current Insurance Company:Effective Date:
Business Occupation:
Insurance is requested from: 12:01 AM to 12:01 AM
Phone: Residence ( ) Phone: Business ( ) Phone: Fax ( )E-Mail Address:
AIRCRAFT INSURANCE APPLICATION
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AIRCRAFT INSURANCE APPLICATION
Year, Make & Model FAANumber
TotalSeats
Engine Hours
Engine Horsepower
AIRCRAFT
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AIRCRAFT INSURANCE APPLICATION
AIRCRAFT
Aircraft usually based and ( ) Hangered ( ) Tied Down at (City & State):________________________________________________
Airport: __________________________________ ( ) Private Airport ( ) Public Airport Paved Runways Yes ( ) No ( )
Are any flights contemplated outside continental U.S.? ( ) Yes ( ) No If “Yes”, where: _____________________________________
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AIRCRAFT INSURANCE APPLICATION
LIABILITY COVERAGE LIMITSEach Person Each Occurrence
Premiums
A. Bodily Injury, excluding passengers $ $ $
B. Passenger Bodily Injury $ $ $
C. Property Damage XXXXXX $ $
D. Combined Single Limit Bodily Injury and Property Damage,
( ) Including Passengers ( ) Excluding Passengers
Limiting Each( ) person or ( ) Passenger to $
$ Each Occurrence
$
E. Medical Payments: ___including Crew $ $ $
PHYSICAL DAMAGE COVERAGE Insured Value Deductible
F. While Not In Motion $ $ $
G. While In Motion $ $ $
Other $
COVERAGES AND LIMITS
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AIRCRAFT INSURANCE APPLICATION
USAGE AND OPERATION( ) Pleasure and Business( ) Industrial Aid( ) Limited Commercial ( ) Commercial Excluding Instruction & Rental( ) Commercial ( ) Flying Club( ) Low Altitude Photography( ) Air Ambulance( ) Air Hearse( ) Patrol Flights( ) Banner Towing( ) Crop Dusting( ) Instruction of: (Name of Student): ( ) Special Uses – Please Describe:
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AIRCRAFT INSURANCE APPLICATION
Applicant is:( ) Sole Owner( ) Owner subject to mortgage or conditional sales contract.( ) Lessee ( ) Other – explainApplicant is:( ) Individual ( ) Corporation ( ) Limited Liability Corporation( ) Co-Ownership/Partnership
If aircraft is encumbered, name and address of lienholder or lessor:
Amount of encumbrance (excluding interest and finance chargers):$
Will Lienholder’s Interest be required by lienholder? ( ) Yes ( ) No
OWNERSHIP INFORMATION
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AIRCRAFT INSURANCE APPLICATION
PILOT
NAME OF PILOT
DateOfBirth
Certification (s) & RatingsPlease List
Medical CertificateDate Class
Hours Logged as Pilot in Command
All Aircraft Make and ModelTotalSELMEL Total Last 90 days12 Months
PILOT INFORMATIONPilot No. 1 Pilot No. 2 Pilot No. 3
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AIRCRAFT INSURANCE APPLICATION
PILOT
PILOT INFORMATIONPilot No. 1 Pilot No. 2 Pilot No. 3
FAA Certificate Number
Date of Last Biennial Flight Review
Details of other proficiency training
Name and address of pilot’s employer if other than applicant:
Pilots AOPA or EAA Membership Number/s if a member:
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AIRCRAFT INSURANCE APPLICATION
Does the aircraft have OTHER than a standard airworthiness certificate in full effect?
Are there any other aircraft owned by the applicant?
Has the aircraft been equipped with modifications not provided by the manufacturer?
Will the aircraft be normally operated in OTHER than paved public airports?
Will the aircraft be used for student or pilot instruction OTHER than for recurrent training of pilots listed in the “Pilot Information” Section of this application?
Will other than the applicant and pilots listed in the “Pilot Information” Section of this application have use of the aircraft?
Will aircraft be used for any purpose (s) for which a charge is made?
Is there any unrepaired damage to the aircraft?
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been involved in any aircraft accident? Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been cited for violation of any aviation regulation in any country?
SUPPLEMENTAL QUESTIONS
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AIRCRAFT INSURANCE APPLICATION
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever had an FAA, Military, or other pilot certificate suspended or revoked?
Does the applicant or any pilot listed in the “Pilot Information” Section of this application have any; (a) physical impairments, (b) waivers, limitations, conditions on their medical certificates or on their airman certificates? If “Yes” please explain.
Has the applicant or any pilot listed in the “Pilot Information” Section of this application ever been convicted of or plead guilty to a felony, possession of drugs, or of driving while intoxicated?
Please Explain any “Yes” answer in the space below or on a separate sheet of paper:
SUPPLEMENTAL QUESTIONS
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AIRCRAFT INSURANCE APPLICATION
MINIMUM PILOT REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight unless the aircraft is being operated by the pilot(s) designated on this document who has/have at least the certificates, ratings, and pilot experience indicated, and who, is/are qualified for the flight involved.
INITIAL .USE REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight if the aircraft is used for any purpose other than the use designated on this document.
INITIAL .
AIRWORTHINESS REQUIREMENTSI/We understand and acknowledge that there is no coverage in flight unless a standard airworthiness certificate in full effect
INITIAL
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AIRCRAFT INSURANCE APPLICATION
All particulars herein are declared to be true and complete to the best of my/our knowledge and no information has been withheld or omitted. I/We agree that this application and the terms and conditions of the policy in use by the insurer shall be the basis of any contract between Me/Us and the Insurer. I herby authorize the insurer to investigate all or any qualifications and/or statements contained herein.FRAUD WARNING: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material hereto commits a fraudulent insurance act, which is a crime.I/We authorize to represent me/us in placing this insurance.Date: _____________________ Applicant’s Signature (s): __________________________
THIS APPLICATION DOES NOT COMMIT THE INSURER TO ANY LIABILITY NOR MAKE THE APPLICANT LIABLE FOR ANY PREMIUM UNLESS AND UNTIL THE COMPANY AGREES TO
EFFECT THE INSURANCE.
Other
Aircraft
Pilot
Location
Use
PILOT WARRANTY
Make sure you take noteof the pilot warranty wording
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HIGH WING AIRCRAFT
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LOW WING AIRCRAFT
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BI PLANE
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AVIATION PHONETIC ALPHABET
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My aircraft tail number is 1935 Lima – Tango and I am located on Taxiway Quebec on the north side of airport Alpha – Delta - Sierra
TRANSLATION“My aircraft tail number is 1935LT and I am located on Taxiway Q on the
north side of airport ADS”
The Aviation Phonetic Alphabet
CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
A Alfa (AL-FAH)
B Bravo (BRAH-VOH)
C Charlie (CHAR-LEE) or (SHAR-LEE)
D Delta (DELL-TAH)
E Echo (ECK-OH)
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The Aviation Phonetic Alphabet
CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
F FOXTROT (FOX-TROT)
G Golf (GOLF)
H Hotel (HOH-TEL)
I India (IN-DEE-AH)
J Juliet (JEW-LEE-ETT)
K Kilo (KEY-LOH)
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The Aviation Phonetic Alphabet
CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
L Lima (LEE-MAH)
M Mike (MIKE)
N November (NO-VEM-BER)
O Oscar (OSS-CAH)
P Papa (PAH-PAH)
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The Aviation Phonetic Alphabet
CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
Q Quebec (KEH-BECK)
R Romeo (ROW-ME-OH)
S Sierra (SEE-AIR-RAH)
T Tango (TANG-GO)
U Uniform (YOU-NEE-FORM) or (OO-NEE-FORM)
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The Aviation Phonetic Alphabet
CHARACTER TELEPHONY PHONIC (PRONUNCIATION)
V Victor (VIK-TAH)
W Whiskey (WISS-KEY)
X X ray (ECKS-RAY)
Y Yankee (YANK-KEY)
Z Zulu (ZOO-LOO)
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AVIATION ABBREVIATIONS
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“I am willing to insure a CFI who will be using a Fixed CONV SEL to give Dual to P’s, COM’s, or ATP’s; no SOLO until 10 hours in M&M”
TRANSLATION
I am willing to insure a Certified Flight Instructor who will be using a plane with non retractable conventional gear with a tail wheel to give training by a
qualified instructor to Private Licensed, Commercial Licensed or Airline Transport Pilots. There will be no solo flying until 10 hours instruction in the
make and model has been completed.
AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviationsPage 1 of 11
AMES – Aircraft multi engine, seaASES – Aircraft single engine, sea
ATP – Airline Transport PilotBFR – Biannual flight review
C – Commercial licenseCFI – Certified flight instructor
CFII – Certified flight instructor, instrument Conv - Conventional landing gear with tail wheel
Dual – training given by a qualified instructor
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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviationsPage 2 of 11
Fixed – non-retractable landing gearFixed tri – Fixed tri-cycle landing gear
FR – Flight review G & F – ground and flight
GNIM – ground not in motionGNIF – Ground not in flight
G & T – Ground and taxiHeli – helicopter or rotor wing
Hr - Hours
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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviationsPage 3 of 11
I – Instrument ratedIFR – Instrument rated
ICC – Instrument competency checkIPC – Instrument proficiency check
M – multi engineMed – medical payments
Med pay – medical paymentsME – Multi engine
MEL – Multi engine landMEI – Multi engine instructor
MM – Make and modelM & M – Make and model
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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviationsPage 4 of 11
OPW – Open pilot warrantyP – Private licensePax - Passengers
PIC - Pilot in command RG – Retractable gear
Rotor – Helicopter or rotorcraftRW – Rotor wing
SE – Single engineSEL – Single engine landSES – Single engine sea
SIC – Second in commandSolo – no passengers or flight instructor in aircraft
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AVIATION ABBREVIATIONSThe following abbreviations are found in aviation insurance applications,policies, aircraft advertisements, manuals and pilot operating handbooks.
Insurance abbreviationsPage 5 of 11
TO – Take offTO & L – Take off and landings
TRI – Tri-gear TW – Tailwheel TT – Total time
TTL – Total time logged
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AIRCRAFT ABBREVIATIONPage 6 OF 11
0SFRM - zero time since a factory remanufacture0SMOH - Zero time since major engine overhaul
FWF - Firewall forwardMDH - major damage history
NDH - No damage history
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AIRCRAFT ABBREVIATIONPage 7 OF 11
SCMOH - Since chrome cylinder major overhaulSFRM - Since factory remanufactureSMOH - Since major engine overhaul
SOH - since engine overhaul (not necessarily a major)SPOH - Since prop overhaul
STOH - Since top overhaul (pistons, cylinders and valve train)
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AIRCRAFT ABBREVIATIONPage 8 of 11
TBO - Time between overhauls (factory recommendations)TT - Total time
TTA - Total time on the airframeTTAE - Total time on the airframe and engine
TTE - Total time on the engineTTSN - Total time since new
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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 9 of 11
Amp - Amperage of the alternator (electrical system rating)Alt - Alternator
AOC - Angle of climbC/S - Constant speed (governed speed, adjustable pitch) propeller
Cu. In. - Cubic inches displacement of enginesFixed tri gear - non retractable tricycle landing gear with a nose wheel
F/P - Fixed pitch (non adjustable) propellerFPM - Feet per minute (usually regarding climb)
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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 10 of 11
Gen - Generator GPH - Gallons per hour MPH - Miles per hour
HP - Horsepower of engineKTS - Knots (1 knot = 1.151 statue miles per hour, or 1852 kilometers per hour)
L/R - Long-range fuel NM - Nautical mile = approximately 6,080 ft.
Oct. - Octane rating of fuel.
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AIRCRAFT PERFORMANCE AND SPECIFICATION ABBREVIATIONSPage 11 of 11
PSI - Pounds per square inch (tire and strut pressure)Ret. tri gear - Retractable tricycle landing gear with a nose wheel
ROC - Rate of climbSM - Statue mile = 5,280 ft.
Sq. Ft. - Square feet regarding wing area.STD - Standard fuel
V – VoltsVis - Viscosity of oil
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AVIATION APPLICATIONQUESTION – ANSWER
SESSION
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Blais Aviation Insurance Services(A division of Blais Excess & Surplus Agency of Texas, Ltd.)
A wholesale specialty facility dedicated to serve as an agent/brokers backroom in the design, placement and
service of aviation insurance.
www.blaisaviation.com
Dallas 972 818-4090Houston 713 780-7787Austin 512 894-3460
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