CAN AIRCRAFT INSURANCE COVERAGE BE VOIDED BY ALLOWING A NON QUALIFIED PERSON TO OPERATE THE CONTROLS DURING FLIGHT?
Many aircraft insurance policies covering business and pleasure use exclude coverage when the aircraft is operated in flight by a person not qualified under the policy. Other policies covering rental and instruction use exclude coverage if a renter pilot allows another person to operate the controls in flight. The purpose of this article is to discuss several cases in which coverage was and was not voided under such circumstances and to suggest some rules of general application to be considered by pilots in conducting such operations and by insurance adjusters investigating the circumstances of such accidents. It is quite common for a pilot to allow another person in the front seat of an airplane to operate the controls in flight for brief periods, even if that pilot is not qualified under the insurance policy to do so, and even if that person has no pilot experience. Normally this never presents a problem for the insured or the insurer. However, where an accident results during or as
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