Two Champion owners can receive different premiums even for similar airplanes. Compare the pilots, aircraft values, uses and offered terms before deciding what explains a price difference.
Pilot experience and activity
Give BWI total time, tailwheel time, experience in the model and recent training. Describe all pilots and any planned instruction or aerobatics. These facts help explain the actual submission. A higher total-time number alone does not establish how an insurer will assess experience in a particular aircraft.
Aircraft value and use
A Champ, Citabria and Super Decathlon can have different values, equipment and uses. The earlier examples of $40,000, $120,000 and $300,000-plus illustrate different declared values, not current market appraisals. Provide records supporting your own requested value and explain storage, modifications and intended flying.
Make a fair quote comparison
Compare the same limits, deductibles, pilot conditions and permitted activities. Ask which facts affected the offered terms and what training the insurer accepts. Changes may alter future offers, but no improvement guarantees a particular premium. Retain the actual quotes so the comparison remains clear at renewal.
Prepare the BWI review
Gather the service description, locations, property values, staff roles, agreements, current policies and factual claims history. Explain proposed changes and the date they will start.
Compare the actual limits, deductibles, exclusions, insured parties and activities. Ask which requested terms are accepted and what remains outstanding. Keep the final documents and reporting instructions with the business records.
Request an aircraft insurance review from BWI for the operation described above. Availability and terms require an individual review.
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