Owning a private aircraft brings incredible freedom – but also a responsibility to ensure your aircraft is in safe, airworthy condition. Compliance with FAA-mandated annual inspections is one of the most critical aspects of responsible ownership. These inspections are a legal requirement, but they also influence your aviation insurance coverage and premium rates.
At Ingram Aviation Insurance, we help aircraft owners understand the regulatory and insurance aspects of private aviation. Here’s what you need to know about how aircraft inspections impact your protection in the skies.
What Is an Annual Aircraft Inspection?
The Federal Aviation Administration mandates that most general aviation aircraft undergo an inspection conducted by an authorized mechanic every 12 calendar months. This requirement ensures your aircraft functions properly and remains safe to fly and is mandatory, even if you haven’t flown the plane during the year.
For example, if your last inspection was on March 15, 2025, you must have your next inspection completed by March 31, 2026, to remain in compliance. Missing this deadline will ground you until you get a valid, documented inspection.
What Inspectors Look For
Annual inspections are comprehensive evaluations of the aircraft’s airframe, engine, avionics, and related systems.
Airframe and Exterior
- Checking the fuselage, wings, control surfaces, and landing gear for signs of wear, corrosion, cracks, or damage
- Verifying the condition of exterior lights, tires, and brakes
- Inspecting flight control hinges, actuators, and cables for proper operation
Engine and Propulsion System
- Inspecting the engine for oil leaks, worn components, and overall condition
- Checking magnetos, spark plugs, fuel system, and oil filter
- Evaluating propeller condition and functionality
Avionics and Electrical Systems
- Testing radio communication and navigation systems
- Ensuring transponders, ADS-B, and GPS units are operational and compliant
- Verifying wiring integrity and battery health
Interior and Safety Equipment
- Confirming the presence and condition of seat belts, fire extinguishers, and emergency locator transmitters
- Ensuring logbooks and airworthiness documents are complete and accessible
Once the mechanic completes their inspection, they will either endorse the aircraft as airworthy or issue a list of discrepancies for you to correct before you can legally fly again.
How Inspections Affect Insurance
Annual inspections are not only a legal requirement – they also directly impact your aviation insurance coverage.
1. Airworthiness Impacts Coverage Eligibility
Insurers require proof that your aircraft is in airworthy condition. Failing to complete your inspection on time – or flying an aircraft with unresolved maintenance issues – can invalidate your coverage.
2. Maintenance Records Influence Premiums
Clean, consistent inspection records can help you secure lower premiums, as they demonstrate your commitment to safety and regulatory compliance. Conversely, maintenance lapses may result in higher rates or limited coverage options.
3. Claims Investigations Include Inspection History
If you file a claim, your insurer will review your inspection and maintenance logs. They may deny or reduce your claim if you have a mechanical failure resulting from a missed inspection or unresolved discrepancy.
Tips for Staying Compliant and Covered
Here’s how to stay in good standing with the FAA and your insurer:
- Schedule inspections early to avoid last-minute grounding.
- Work with a certified mechanic and ensure all your documentation is complete and accurate.
- Keep detailed maintenance logs and store them in a secure, accessible location.
- Immediately address discrepancies and document repairs.
- Share updated records with your insurance provider on request.
Protect Your Investment With Ingram Aviation Insurance
At Ingram Aviation Insurance, your aircraft’s safety and performance are our priorities. We will work with you to provide tailored insurance solutions based on your maintenance history, inspection schedules, and aircraft usage.
Whether you’re preparing for your first-ever annual inspection or reviewing your policy before renewal, our expert team can ensure your coverage aligns with your operational and regulatory needs.
Ready to Review Your Coverage?
Make sure your aircraft – and your insurance – are in peak condition. Contact Ingram Aviation Insurance today to learn how your inspection records impact your policy and how we can help you stay protected all year long. Clear skies start with smart coverage.