These factors, along with the normal fear of the unknown leave only a few specialized underwriting organizations willing to accept the risk by insuring aircraft or aviation related activities. Of course, the underwriters first duty is to look after their company's interest both in coverage offered and price obtained. Therefore, you need an agent who can represent your best interest. There are also many unique coverages and different approaches available to fit each situation, if one knows enough to ask. There is also a world of difference in the quality and strength of the companies and their claims handling ability must also be considered.
Underwriters are human with their own opinions, prejudices and personality quirks.
How you and your situation are presented to the underwriter can make a tremendous difference in the results obtained. Thus, unlike most forms of insurance, there is still very much of an individual touch to buying the right aircraft insurance at the right price. Because of these factors the aircraft owner is best served by finding an agent knowledgeable in aviation insurance, well regarded in the industry and with enough clout to obtain an underwriters attention to represent him in the selection and purchase of insurance. A buyer working with a NARA member has an immediate advantage in this area in that he is dealing with a quality aircraft sales organization. If the buyer does not already know an aircraft insurance agent the NARA aircraft sales firm he is dealing with can help him find an aviation insurance agent with the NAM quality and expertise he expects.