EAA and AOPA Insurance Discounts

There are several organizations that provide valuable services to general aviation pilots and aircraft owners. The two organizations that light aircraft operators are most familiar with are the Aircraft Owners and Pilots Association (AOPA) and the Experimental Aircraft Association (EAA). Both of these organizations provide their members with many services including training seminars for pilots and flight instructors and organized efforts to defend against user fees, tax increases on general aviation operations, and threats to local airports. They are both active in efforts to increase the pilot population and secure the future of general aviation. The best example is the EAA’s Young Eagles program where members give free airplane rides to kids to spark their interest in airplanes and flying. Both organizations publish informative and entertaining magazines for their members. What summer would be complete without the gathering at Oshkosh sponsored and organized by the EAA?

The insurance industry recognizes the contribution of these organizations and encourage membership in both. Some companies offer premium credits or special coverage extensions to their insureds who are also members of AOPA or EAA. AIG Aviation Light Aircraft Division offers a premium credit of about 5% to AOPA members who insure with them. Phoenix Aviation Managers and QBE Aviation both subtract $45 from the premium of all of their insureds who provide them with their AOPA membership number. Since $45 is the annual membership fee for AOPA, these insurance carriers pay the dues on behalf of their insureds. Global Aerospace offers an enhanced policy for EAA members that provides $10,000 medical payments coverage and NIL deductibles for aircraft physical damage losses. Both of these enhancements are provided at no additional premium. The standard medical payment coverage for non EAA members is $5,000 and the deductible is $250 for in motion physical damage losses. In addition, Global does not offer insurance coverage on homebuilt or other experimental aircraft to non-EAA members. If you are an EAA member they will offer you a competitive quote on your homebuilt airplane.

There is often the misconception that in order to take advantage of these membership benefits you must purchase your coverage from the insurance sales department of AOPA or EAA. This is not the case. As agents for AIG Aviation, Phoenix Aviation, QBE, and Global Aerospace, LL Johns & Associates can obtain the same benefits for our clients. It is important that you provide us with your membership number when we first gather your information for a quote and on the renewal update forms we send to you each year. We need to provide the underwriter with this number in order to take advantage of the credits.

Keep in mind that other carriers we represent may provide a better quote even if they do not offer a specific AOPA or EAA membership credit. At LL Johns we request quotations from several carriers. If you are a member of either of these organizations we make sure that you get the credit. However, if we can offer you a better program at a lower premium through another carrier, you will be offered that choice as well.

If you have any questions regarding EAA and AOPA Insurance Discounts, or any other aspect of your aviation insurance, please contact us! We’re happy to help! Call us at 800-662-4401 or send an email to info@lljohns.com.