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Pilot-Led 5X5 Aviation Insurance Launches Direct-to-Consumer Coverage in Five States

The startup replaces blanket age cutoffs with training-based underwriting that offers optional data rewards.

Overview

  • The company began underwriting in Arizona, Delaware, Georgia, Illinois, and Virginia, and it is seeking regulatory approval to expand across the contiguous United States within a year.
  • Coverage targets owner-flown light jets and turboprops such as TBM, Pilatus PC–12, Cessna Citation, and Cirrus Vision Jet, along with modern high-performance piston singles and twins from makers including Cirrus, Diamond, and Cessna.
  • An Instant Estimate Tool provides an immediate ballpark price and typically delivers detailed quotes with multiple hull and liability options in about 10 minutes.
  • Underwriting emphasizes ongoing proficiency and recognized owner-association safety practices rather than fixed age limits, with discounts tied to regular training and certain memberships.
  • Pilots who opt in to share flight data can qualify for additional discounts, and company officials say the data will remain confidential and not be shared externally.