Operating an aircraft requires a high level of competence. Not only do pilots need sharp vision and extreme focus, but they also need to be able to remain calm under pressure, possess considerable situational awareness, and make quick and accurate decisions.
Years of flying help pilots gain critical experience. Familiarity with both the aircraft and the ability to navigate various weather conditions often aids decision-making and enables pilots to better recognize potential hazards.
However, possible age-related challenges, such as potential health issues and degraded reaction times, may make it more difficult for pilots to secure the necessary insurance coverage that allows them to continue flying. Some insurers refuse to quote policies for pilots over 70; others start applying age-related policy increases or restrictions at an earlier age.
These challenges exist despite the fact that in order for pilots to retain a valid license, they need to undergo regular medical assessments, the frequency of which is often dependent on their age. This often means that the more physically and mentally fit pilots continue to fly. However, even pilots with up-to-date medical assessments and a valid license might be subject to increased insurer scrutiny due to their age.
Key actions for securing insurance and maintaining safety
As pilots get older, they can take proactive steps to improve their chances of securing the necessary coverage, allowing them to continue flying safely. These include:
- Engage in continuous training. Ongoing training is vital for pilots of all ages and should be continued as pilots grow older. Regular flight reviews and training sessions help pilots maintain proficiency and demonstrate to insurers that they are committed to safety. Consider enrolling in additional training programs beyond the minimum requirements to enhance skills. Simulators, for example, can help pilots hone their skills maneuvering different scenarios in a safe environment.
- Know your limits. Understanding personal limitations is essential for safe flying. It is important to regularly assess your physical and cognitive abilities and be honest about any changes. This level of self-awareness can help you make informed decisions ahead of each flight. Fatigue, a temporary illness, or temporary use of medications could lead to short-term cognitive impairment that may impact a pilot’s ability to fly safely. Going through the IMSAFE (illness, medication, stress, alcohol, fatigue, emotion) checklist before each flight can help you evaluate your readiness to fly on that particular day.
- Modify flight missions. Consider the type of flight you’re comfortable undertaking. Shorter flights can reduce fatigue and stress. Even when traveling a longer distance, it might be worth considering whether the journey can be broken down into several shorter flights. Allowing additional time to complete the flight can also enhance safety.
- Choose flight conditions wisely. Understanding the impact of different weather conditions on your aircraft and abilities is critical. Aim to fly during optimal weather conditions and, whenever possible, avoid busy airspace. Aside from enhancing safety, this might make the flying experience more enjoyable.
- Consider a co-pilot. Flying with another experienced professional may provide an additional layer of safety. A co-pilot can assist with navigation and decision-making, reducing the workload during the flight.
- Have regular medical checks. Discuss any new or worsening health challenges with medical professionals to allow for better management.
- Keep in touch with the aviation community. Stay connected with fellow pilots and consider participating in local aviation events to share insights and support. You can also learn best practices and emerging trends in aviation safety from your peers.
- Document your flights. Keep detailed records of your flight hours and experience, which may be beneficial when applying for insurance. Note that many insurers consider recent flight activity when assessing risk, in which case an active flying schedule may help you retain coverage.
- Select the right insurer. Different carriers may take varying approaches when insuring older pilots. It is important to do your research and find an insurer that understands the unique challenges faced by pilots as they age and also appreciates the benefits of years of experience. It is also good practice to establish a long-term relationship with a supportive insurer that can help you navigate the complexities of securing coverage as you grow older.
Ageing does not mean that your flying years must come to an end. By taking proactive steps to manage risks and maintain flying proficiency, you may be able to secure the necessary insurance coverage that allows you to continue flying. Open communication with insurers, ongoing training, and continuous self-assessments can help you identify and navigate potential challenges and continue flying.